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Debt Collections

Contact us today!Whether you’re deep in debt or struggling to stay up with bills, there’s a solution to your financial situation. The Cleveland Bankruptcy attorneys have the knowledge and experience to fight for your best interest. Contact a Cleveland Bankruptcy attorney today to discuss your options at (216) 586-6600 or email us at advice@clevelandbankruptcyattorney.com.

Should I Reaffirm My Mortgage Debt?

Most people assume that when they file for bankruptcy, they will lose everything, including their home. However, there are ways to keep some of your property, such as your house, while addressing some of your debt. One of these ways is through a reaffirmation agreement. By fully understanding what it is and how it can help you through the complex bankruptcy process, you can come out of the process of Read More

Medical Bills: The #1 Cause of Personal Bankruptcy in the U.S.

No one wants to admit the water is over their head. It’s difficult to say to yourself, let alone family and friends. But when you’ve faced a medical emergency, the bills can become overwhelming. Far too many Americans use their savings and retirement funds to pay medical bills, only to have them become more than they could ever hope to pay back. This is why medical bills have become one Read More

Still Getting Collection Calls After Bankruptcy? Here’s What to Do

After filing for bankruptcy protection, creditors should immediately cease their collection efforts. Unfortunately, they frequently fail to listen, and you may continue to be harassed. If you are frustrated by creditors calling despite an active bankruptcy or even after a debt has been discharged, reach out to a Cleveland bankruptcy lawyer at Luftman, Heck & Associates. We can help protect your life after bankruptcy. Call us today at (216) 586-6600 Read More

Settlement Obtained After Client’s Credit Information Was Illegally Obtained

Recently, an individual in Cleveland found themselves in a tough situation when their credit was illegally obtained. The company that pulled this personal information had no permissible basis for doing so, so the individual reached out to Luftman, Heck & Associates for help. The company repeatedly contacted the client, solicited them for debt settlements, and attempted to talk him out of filing for bankruptcy, so attorney Matt Alden quickly intervened Read More

Settlements Obtained for Multiple Clients Against Debt Settlement Companies

Multiple clients of the Cleveland bankruptcy attorneys at Luftman, Heck & Associates recently found themselves in difficult situations when debt settlement companies tried to convince them to not file for bankruptcy and instead pay their creditors back. These companies kept contacting the clients, so attorney Matt Alden intervened. Due to his quick action and skills, settlements were obtained in each of these cases. Prior results do not guarantee a similar Read More

Judgement Obtained in Funeral Home Debt Case

Recently, a mother grieving the loss of her adult son – who died while on vacation in the Caribbean – found herself in a difficult situation when she realized she had ben overcharged by a Cleveland funeral home. The Cleveland funeral home was also refusing to pay the funeral home in the Caribbean for sending her son’s body back to the United States even though the Cleveland funeral home had Read More

Does a Voluntary Repossession Affect Credit?

If you have fallen behind on your payments, your car could get repossessed. Whether voluntary or involuntary, a repossession will hurt your credit score. However, there are some advantages to a voluntary repossession because it gives you a measure of control over the situation. The key is to act before you start missing payments. If you are having financial troubles and anticipate that you may be unable to meet your Read More

Low Debt Repayment Amount Negotiated for LHA Client

The Ohio debt relief attorneys of Luftman, Heck & Associates recently helped a client negotiate a $3,500.00 debt for less than 30 cents on the dollar. The client’s original judgment amount was $11,800, but with the swift assistance of attorney Patrick Miller, the final amount to be paid was much lower. Prior results do not guarantee a similar outcome in your case. Individual results may vary based on the facts, Read More

Woman Stops Wage Garnishment after Debt Collector Uses Out-Dated Address

When a woman living in the suburbs of Cleveland suddenly saw her wages garnished, she understandably became very concerned. After learning that a debt collector had filed a lawsuit against her and was awarded a judgment without even knowing about it, she contacted the Cleveland debt collection attorneys with Luftman, Heck & Associates. We examined her situation and quickly learned that the collection agency in question had used an outdated Read More

Wage Garnishment Stopped After Out-of-State Judgement

At Luftman, Heck & Associates, our Cleveland bankruptcy attorneys recently assisted a man from Oklahoma after a debt collection company filed a lawsuit and began garnishing his wages. Even though the man lived in another state, this collector used a very old address from Ohio, essentially making him unaware of the lawsuit or judgment until money was taken out of his check. To hopefully stop this unscrupulous activity, LHA began Read More