R Michael Smith, Attorney at Law

Greater Cincinnati Bankruptcy Attorney
Sometimes, events in life take an unexpected turn with significant economic consequences to you. Thus, loss of your job, major surgery or illness of you or your spouse, death, and disability often leave the survivor with a significant loss in income. Major life transitions such as retirement, winding down of a business, separation or divorce, or simply being forced into a lesser paying position typically leave unresolved debts and no realistic capability of making payments.

The typical response of creditors, people to whom you owe money, has very little variation. The creditors seek to collect as much as possible from you for as long as possible. They will call your home, your place of employment, and, if you gave them the information, your near relatives. Further, expect them to call on Saturday and Sunday as well. (Certain types of telephonic behavior are forbidden by the Fair Debt Collection Practices Act.) If you have been the victim of prolonged or abusive telephone harassment, please inform me at our initial meeting.

We're conveniently located on the north side of Cincinnati near Sharonville and Loveland, OH; give us a call today to set up your initial consultation.