Seniors & Mortgage Foreclosure
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February 28, 2023
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By Mary Day
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What Is Foreclosure? Foreclosure is a legal process used by a bank or mortgage servicer to have Common Pleas Court order the sale of real estate because the homeowner has missed one or more mortgage payments or has otherwise not complied with the mortgage agreement. In Ohio, the foreclosure lawsuit must be filed in the…
Read MoreYour Rights As A Nursing Home or Assisted Living Resident
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February 28, 2023
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By Mary Day
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Residents of long-term care facilities have the right to: A Dignified Existence Be treated with consideration, respect, and dignity, recognizing each resident's individuality. Freedom from abuse, neglect, exploitation, and misappropriation of property and physical or chemical restraints A quality of life that is maintained or improved, with equal access to quality care A homelike environment,…
Read MoreTenant Rights in Public & Subsidized Housing
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February 28, 2023
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By Mary Day
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What Is Public And Subsidized Housing? Public housing is owned, operated and managed by your local Public Housing Authority (PHA). The U.S. Department of Housing and Urban Development (HUD) makes payments to PHAs to keep rental costs low for eligible tenants. Subsidized housing, on the other hand, is generally owned, operated and managed by private…
Read MoreSmall Claims Court
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February 28, 2023
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By Mary Day
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What Is Small Claims Court? Small Claims is a division of a municipal or county court designed to provide easy court access to non-lawyers. The cases are heard by a magistrate, a lawyer appointed to resolve the dispute. The parties involved in the dispute are allowed to object to the magistrate’s decision and appeal to…
Read MoreHome Solicitation Sales
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February 28, 2023
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By Mary Day
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What Is A Home Solicitation Sale? A home solicitation sale is a sale of consumer goods or services in which the seller personally solicits the sale at your home and you agree to buy at your home or somewhere other than the seller’s place of business. It includes telephone calls from the seller and may…
Read MoreDebtor Rights
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February 28, 2023
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By Mary Day
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I Owe The Debt But Can’t Pay. What Should I Do? It is best to deal with the problem before the company (the creditor) refers the debt to a collection agency. You should call the creditor to explain your situation. Even if you cannot pay anything, your honesty may prevent further actions where the creditor…
Read MoreConsumer Rights
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February 28, 2023
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By Mary Day
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Who Is Protected By The Ohio Consumer Sales Practices Act (CSPA)? Anyone who buys goods, leases personal property or obtains services that are primarily for personal, family or household purposes, from people who are engaged in the business of providing such goods or services (suppliers), is covered under the Ohio CSPA. However, the CSPA does…
Read MoreBankruptcy
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February 28, 2023
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By Mary Day
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What Is Bankruptcy? “Bankrupt” means filing a petition in federal bankruptcy court asking for protection from those to whom you owe money, the creditors. A single petition may cover an individual or married couple. The instant you, the debtor, file for bankruptcy, the court takes legal control of your assets and stops all debt collection…
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