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Mentor Bankruptcy Resources | Legal Help & Factual Resources

Helpful Information for Bankruptcy Filings in
Mentor — Lake County — Ohio

 

View the Bankruptcy Rules

View the Bankruptcy Code

View the Federal Rules of Evidence

 

PACER (Public Access to Court Electronic Records)

If you have previously filed a bankruptcy case in the State of Ohio or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.

Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov

 

Mentor, Lake County, Ohio Bankruptcy Law Firms provide debt relief services.U.S. Bankruptcy Courts:

www.uscourts.gov/bankruptcycourts.html

 

Ohio Nothern District Bankruptcy Court

Lake County bankruptcy cases will be filed with this bankruptcy court:

Cleveland Office
Howard M. Metzenbaum U.S. Courthouse
201 Superior Avenue, Cleveland, OH 44114
(216) 615-4300  

Counties Served: Allen, Ashland, Ashtabula, Auglaize, Carroll, Columbiana, Crawford, Cuyahoga, Defiance, Erie, Fulton, Geauga, Hanckock, Hardin, Henry, Holmes, Huron, Lake, Lorain, Lucas, Mahoning, Marion, Medina, Mercer, Ottawa, Paulding, Portage, Putnam, Richland, Sandusky, Seneca, Stark, Summit, Trumbull, Tuscarawas, Van Wert, Wayne, Williams, Woods, Wyandot

An experienced Mentor Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Lake County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.

 

Mentor 341 Meeting Room Location

As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Mentor Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.

The meeting room location is:

Howard M. Metzenbaum U.S. Courthouse
201 Superior Avenue East, Suite 441, Cleveland, OH 44114
(216) 522-7800

 

Your Lake County Bankruptcy Lawyer will guide you through the bankruptcy process and help you get a fresh start!U.S. Trustee

www.usdoj.gov/ust

 

Chapter 13 Trustees

When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the Nothern District of Ohio are:

Michael A. Gallo
20 Federal Plaza West, Suite 600 Youngstown, OH 44503
Phone: (330)743-1246, Fax: (330) 746-8616

John P. Gustafson
316 N. Michigan Street, Suite 501 Toledo, OH 43604
Phone: (419) 255-0675, Fax: (419) 255-5950

Toby L. Rosen
400 West Tuscarawas, Fourth Floor Canton, OH 44702
Phone: (330)455-2222, Fax: (330) 455-1240

Keith L. Rucinski
One Cascade Plaza, Suite 2020 Akron, OH 44308
Phone: (330) 762-6335, Fax: (330) 762-7072

Craig H. Shopneck
BP Tower 200 Public Square, Suite 3860, Cleveland, OH 44114
Phone: (216)621-4268, Fax: (216)621-4806

 

Credit Counseling Services in the Mentor area:

All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.

Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Mentor area, these providers have been approved:

Consumer Credit Counseling Service of the Midwest, Inc.
5339 Ridge Avenue, Suite 201
Parma, OH  44129
(800) 355-2227

Consumer Credit Counseling Service of the Midwest, Inc.
20545 Center Ridge Road, Suite 212
Rocky River, OH 44116
(800) 355-2227

Consumer Protection Association
3030 Euclid Avenue, Suite 105
Cleveland, OH  44115  
(216) 881-3434

For other approved providers in the Mentor area, visit the U.S. Dept. of Justice website.

 

Credit Reporting Agencies:

Your Mentor Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.

You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.

Contact an experienced Lake County Bankruptcy Attorney for a free initial consultation.Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com

TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com

Experian
National Consumer Assistance Center
P.O. Box 949
Allen, OH 75013-0949
1-800-682-7654
http://www.experian.com

Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358

 

Tax Returns:

You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.

Federal Tax Returns:

For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.

State Tax Returns:

You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.

Vehicle Valuations:

You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.

Online Vehicle Valuations:

NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com

Local Used Car Dealers (for obtaining vehicle valuations):

Action Auto Wholesale
2501 North Ridge Road
Painesville, OH 44077
(440) 357-0400

Curt Niebes Motor Cars
2501 North Ridge Road
Painesville, OH 44077
(440) 853-2032

Sam Group Auto Sales
3350 North Ridge Road
Perry, OH 44081
(440) 259-2403

The Auto Outlet
6198 North Ridge Road
Madison, OH 44057
(440) 428-5955

 

Appraisals and Valuations for Real Estate (Real Property)

A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Mentor real estate agent, give you a valuation on your property.An underwater mortgage is one of the leading causes of bankruptcy. A qualified Mentor, Lake County, Ohio, Bankruptcy Attorney can help you save your home and get a fresh start.

Some local Mentor area realtors include:

Bontempo Builders Inc.  
9774 Lione Drive
Mentor, OH 44060
(440) 974-0345

Clinger Real Estate  
7551 Hollycroft Lane
 Mentor, OH 44060
 (440) 974-8300

Lake Financial Company  
8126 Plains Road
Mentor, OH 44060
(440) 255-0400

Gendron Realty  
9970 Stone Hollow Road
Mentor, OH 44060
(440) 392-0500

 

Lake County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!

Serving clients throughout Northeastern Ohio, including Akron, Alliance, Ashtabula, Boardman, Chardon, Cleveland, Cuyahoga Falls, East Cleveland, Eastlake, Euclid, Garfield Heights, Geneva, Howland Corners, Hudson, Kent, Lakewood, Mantua Corners, Mentor, North Royalton, Painesville, Parma, Shaker Heights, Shalersville, Solon,  Stow, Willoughby, and other communities in Lake County.

Contact a Mentor Bankruptcy Attorney today for a free initial consultation.

Other Legal Bankruptcy Lawyers

If for some unforeseen reason, the Mentor Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Mentor Bankruptcy Lawyers listed on HG.org; or the Mentor Bankruptcy Lawyers listed on GetLegal.com; or the Mentor Bankruptcy Lawyers on Justia.com