Kademenos, Wisehart, Hines & Lynch Co., L.P.A.
(740) 363-4878
94 N. Sandusky Street Suite 102
Delaware, OH, 43015
Your hometown lawyers... here when you need us

Financial Counseling Before Bankruptcy

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Finances Spelled Out With Scrabble LettersIf you have reached a point where you are in such financial straits that bankruptcy seems to be the only option then you are likely extremely stressed and confused about the process and steps you should take to achieve financial security.

Filing for bankruptcy can be a complex process, particularly if you have a higher  level of income or any significant assets, and as Ohio bankruptcy attorneys we understand how many questions will arise along the way.  One aspect of filing for bankruptcy we think it is important to know is the requirement to undergo financial counseling and education during the bankruptcy process. [Read more…]

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Foreclosure Prevention: Save the Dream Ohio

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Foreclosure Prevention | Delaware, Ohio | Calhoun, Kademenos, & ChildressWhen serious money issues arise for you and your family, it can feel like you’re drowning in debt.

Unfortunately, a struggle for many people is paying the mortgage on their home.

Foreclosure is all-too common and has a detrimental impact on families all across the state of Ohio.  Losing your home due to financial problems is a nightmare for many, which is why prevention efforts such as Save the Dream Ohio are so great. [Read more…]

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Avoiding 5 Common Debt Traps

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Consumer Debt Traps | Sandusky,OH | Calhoun, Kademnos, & ChildressFinancial circumstances can easily grow out of control, especially in this tough economy. This can lead to unmanageable debt and the need to claim bankruptcy.

According to an article from Fox Business, Americans have heightened the amount of outstanding consumer debt to more than $3 trillion.

This is a scary number, and as Ohio bankruptcy attorneys we think it is important to know that there are ways to sidestep this alarming debt trend.  Here are five of the top debt traps American face, and how you can protect yourself from them: [Read more…]

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Former NFL QB Vince Young Files for Bankruptcy

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Vince Young Files for Chapter 11 Bankruptcy | Delaware, OH Attorney | Calhoun, Kademenos & Childress

Working at a proud Ohio business, most of the attorneys at Calhoun, Kademenos & Childress are serious football fans. We cheer on the Delaware Pacers and the Sandusky Blue Streaks, excited every fall as the season kicks off.

As great football fans, we were surprised to hear the bankruptcy news of former Longhorn legend and Tennessee Titans quarterback Vince Young.

According to a recent report from Sporting News, Young’s attorney filed a petition for Chapter 11 bankruptcy in January in federal bankruptcy court. [Read more…]

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What Bankruptcy Exemptions Are Available in Ohio?

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Ohio Bankruptcy Exemption - Calhoun, Kademenos & ChildressAs Ohio bankruptcy attorneys, we understand that the laws surrounding bankruptcy can be complex and confusing. What makes it even worse for most Buckeyes is the fact that this is a decision likely made during a time of extreme stress. You’re not sure who to turn to, where to get help, and what to do next to protect your possessions while avoiding financial ruin.

Clients considering bankruptcy often ask me about exemptions. To put it simply, exemptions are laws that allow you to protect certain property from your creditors. This could include your home, your car, etc. Chapter 7 bankruptcy allows you to keep certain items under the exemptions. Under Chapter 13 bankruptcy, the exemption laws affect how much you pay to creditors through your established plan.  [Read more…]

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Cancer patients more likely to experience bankruptcy

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Invoice - Calhoun, Kademenos & ChildressOne of the most persistent—and untrue—myths about bankruptcy is that it only happens to irresponsible people who rack up too much credit card debt. That those who file for bankruptcy are failing to take responsibility for their own poor choices. But the reality is that bankruptcy happens for a number of reasons, many of which are very much outside of the control of the person filing. [Read more…]

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Many bankruptcies caused by medical bills

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Medical bills cause bankruptcy - Calhoun, Kademenos & ChildressAs a bankruptcy attorney, I often see the unfortunate stigma that comes with bankruptcy. Many Americans mistakenly think that others file for bankruptcy because of irresponsible money managing, and many people who come to me for help are abashed at the thought of filing bankruptcy.

However, these assumptions are simply not true for many bankruptcy filers. In fact, a large percentage of bankruptcies are caused, not by irresponsible spending, but by overwhelming medical bills. [Read more…]

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Delaware Library Hosts Credit Report Program

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Delaware Library Program - Calhoun, Kademenos & ChildressThe Delaware Library hosts a multitude of entertaining, educational activities. From book discussions for all ages to story times for children, the library has something for everyone.

The bankruptcy attorneys at Calhoun, Kademenos & Childress are particularly excited about the library’s latest education program: “Mysteries and Secrets of Credit Reports and Scores Revealed.” Knowing the state of your finances and your credit score is important for everyone, especially if you are applying for a mortgage, car loan, or credit card. Regularly monitoring of your credit report can also alert you to identity theft. [Read more…]

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