If you’re struggling with debt and bankruptcy seems like your only way out, one of the biggest concerns people face is how to pay a bankruptcy lawyer — especially when money is already tight. The good news? You have options here in Ohio. At Nicole Metzger Law, we help Ohio […]
How Do You Pay a Bankruptcy Lawyer in Ohio — Even If You’re Broke?
Is It Better to File Bankruptcy Before or After the Holidays? Northeast Ohio Guide
The holidays are supposed to feel joyful — but for many families in NE Ohio, they come with something else too: pressure. Maybe you’re even thinking about whether to file bankruptcy before or after the holidays. Rising grocery prices, higher utility bills, record-high credit card interest rates, and recent SNAP […]
How Filing for Bankruptcy Stops Wage Garnishments and Foreclosures in Ohio
If you’re struggling with mounting debt, falling behind on your mortgage, or watching your paycheck shrink because of wage garnishment, it can feel like there’s no way out. But here’s the truth: bankruptcy stops wage garnishments, halts foreclosure proceedings, and gives you a chance to get back on track — […]
Back to School in Ohio: What Fall 2025 Means for Student Loan Repayments
As Ohioans settle into another back-to-school season—whether they’re juggling new school supplies for their kids or adjusting to college schedules themselves—the return of student loan payments under President Trump’s second term has created a fresh wave of financial strain. For borrowers across Northern and Northeastern Ohio, the combination of resumed […]
Can Bankruptcy Clear Student Loans in Ohio?
If you’re feeling overwhelmed by student loan debt and wondering if bankruptcy might offer some relief, you’re not alone — and you’re asking the right question. For years, the short answer to “Can bankruptcy wipe out student loans?” was a discouraging probably not. But that’s no longer the full story […]
Understanding Small Business Bankruptcy in Northern Ohio
Running a small business in Northern Ohio is no small feat. Whether you operate a solo practice in Cleveland, manage a storefront in Medina, or run a family-owned LLC in Strongsville, financial challenges can arise that threaten your business and personal livelihood. If debts are piling up and revenue isn’t […]
Can Bankruptcy Clear IRS Debt? Here’s What You Should Know
Owing money to the IRS is stressful — especially when you’re already juggling other debts or financial setbacks. If you live in Northern Ohio, and you’re wondering whether bankruptcy could help clear your tax debt, you’re not alone. It’s one of the most common — and most confusing — questions people […]
Can Bankruptcy Stop an Eviction in Ohio?
If you’re behind on rent and worried about eviction, you’re not alone, and you might be wondering if bankruptcy could help you stay in your home. The answer depends on your situation, but in many cases, filing for bankruptcy can pause or delay an eviction in Ohio, at least temporarily. […]
How Much Does It Cost to File Bankruptcy in Ohio? (2025 Update)
Filing for bankruptcy is a big decision — and one of the first questions many Ohioans ask is, “Can I even afford it?” The good news? The costs are more manageable than you might think — and if you’re struggling financially, there may be options to reduce or delay some […]
Understanding the Tax Implications of Debt Settlement: What You Need to Know
As the founder at Nicole Metzger Law, I’ve seen firsthand how debt can weigh heavily on individuals and families. One of the most surprising and often overlooked consequences of settling a debt for less than you owe is the potential tax liability that can arise. Many people are unaware that […]