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Cozmyk Law offers a free evaluation of your case and provides you with all the information necessary to make an informed decision.
Should I File Jointly or Individually for Bankruptcy As A Married Person?
Contrary to popular belief, when couples are married, they do not necessarily have to file for bankruptcy together. Instead, it might make more sense for only one of the spouses to file. The unique facts of your case will dictate whether filing together or on your own...
What Is The Difference Between Chapter 7 and 13 Bankruptcy?
Bankruptcy is a complex process that allows for debt restructuring or dismissal depending on the financial situation of the debtor. There are different routes one can go when facing bankruptcy, which include chapters 7, 11, and 13. Each one differs in how it can be...
5 Things To Know About Loan Modifications
Home foreclosure is a scary experience and trying to defend your home from the bank or lender is even worse. Cozmyk Law Offices helps many Ohio homeowners save their homes and successfully weather the foreclosure process. It is important to know that there are many...
Predatory Lending: The Warning Signs
Predatory Lending is prohibited by state and federal laws. Lenders are not allowed to use deception or fraudulent tactics to "guide" a borrower into accepting a loan for their house or other items. As a tool to prevent foreclosure, a real estate attorney may look at...
What Does The Foreclosure Process Look Like in Ohio?
Many homeowners assume that foreclosure process is the literal seizing of a property after the buyer misses a few payments. It can involve that, however it’s more complex than that. Foreclosure is a process that can take months to occur and along that pathway, the...
What Are 5 Common Foreclosure Mistakes People Make?
Currently, Ohio has the third-largest foreclosure rate in the US. In Ohio, 32 percent of mortgages are approaching foreclosure. Foreclosure in Ohio is now a common occurrence and so many people here are facing the loss of their home that one in over 400 homes will be...
3 Ways Foreclosure Affects Your Credit
If you are facing foreclosure there may still be time to save your house or find an alternative to losing your home. Many people who are behind on their house payments wonder how a foreclosure will impact their credit score. The following lists three ways that...
Best Steps After Receiving a Foreclosure Letter
If you've received a foreclosure letter or are facing foreclosure in Ohio, there are steps you can take to defend your home during the foreclosure process. Foreclosure became a common event after the 2008 housing bubble burst. Before that, it was not an overly common...
What Is A Hardship Letter?
A hardship letter is a letter or form that a homeowner produces as part of the loan modification application. This letter gets sent to the lender, usually with other supporting documentation. The letter outlines the financial picture of the borrower and shows the...
Are You Experiencing Financial Hardship?
Call the foreclosure defense attorneys at Cozmyk Law Offices today at and let the Fight For My Home Foreclosure Defense Attorneys fight to help YOU save YOUR home today!
Cleveland, Ohio
6100 Oak Tree Boulevard
Suite 200
Independence, Ohio 44131
Office #: (216) 452-9145
Fax #: (216) 485-2125
Dayton, Ohio *
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Cleveland, Ohio*
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Chicago, IL
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
