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Credit Card Debt Consolidation Help  in Ohio
Call Today: (877) 274-1260
If you successfully complete our program, it’s possible that you’ll enjoy these benefits:
Settle your debts for less than you owe
  (read here for full details about how much you can expect to save)
Resolve your unsecured debts in 18 to 60 months
  (read here for full details on how long our program lasts)
No Up Front Fees - Don't Pay Till You See Results!
Ohio  Debt Relief
Debt settlement, also known as debt negotiation and debt reduction, is the process by which we negotiate and settle a debt for a reduced amount on behalf of a client. When successful, it is possible that Franklin Debt Relief can settle their debts for less than what is owed, all with the convenience of one low program payment. The savings from our debt settlement program can potentially be tremendous versus making your minimum payments, and it is in some cases the cheapest and fastest debt relief, debt consolidation or debt help option available to Ohio consumers.

If you're overwhelmed with credit cards, medical bills, balances from a repossession, or accounts in collections, call for a free consultation: (877) 274-1260.
Pertinent Ohio  Debt Relief and Debt Help Laws
(This is intended to be a helpful and informational debt resource for Ohio consumers and does not constitute legal advice. For legal advice about your situation, contact a licensed professional in Ohio.)

Debt Collection

Ohio follows the set of federal laws dealing with collection agencies (and law firms that collect debts) that are collectively known as the Fair Debt Collection Practices Act (FDCPA). For more information on the FDCPA follow this link: debt collection.

Maximum Interest Rate a Collection Agency Can Charge in Ohio: Federal short-term rate to nearest whole percent plus 3%

Ohio Wage Protection: 75% of disposable weekly earnings (after tax income) or 30 times federal hourly minimum wage

Statute of Limitations

A statute of limitations is a law that sets forth the maximum period of time, after certain events, that legal proceedings based on those events may be initiated. For debt, the statutes of limitation apply to the maximum period of time after a consumer has become delinquent on their payments. The key point to remember is that you are considered delinquent not from the date of your last payment, but rather the day after you have gone past due. In other words, if you made your last payment on 3/3/03 and your next payment was due the same day of the next month, the statute of limitations on the debt would not start running until 4/4/04. The statutes of limitations vary from state to state and depend on the type of debt and where the original transaction took place (i.e. if you took the loan out in California but currently live in Ohio, the applicable statutes of limitations would be California's.)

Oral Agreements: 6 years
Written Contracts: 15 years
Promissory Notes: 15 years
Open Accounts (credit cards): 4 years

Bankruptcy Courts

John F. Seiberling Federal Building & U.S. Courthouse
455 U.S. Courthouse
2 South Main Street
Akron, OH 44308

Frank T. Bow Federal Building
201 Cleveland Avenue, S.W.
Canton, OH 44702-1929

Howard M. Metzenbaum U.S. Courthouse
201 Superior Avenue
Cleveland, OH 44114-1235

411 U.S. Courthouse and Custom House
1716 Spielbusch Avenue
Toledo, Ohio 43604

Nathaniel R. Jones Federal Building & U.S. Courthouse
10 East Commerce Street
Youngstown, Ohio 44503-1621
Southern District of Ohio
Cincinnati Divisional Office
221 E. Fourth Street
Atrium Two Suite 800
Cincinnati, Ohio 45202

Southern District of Ohio
Columbus Divisional Office
170 North High Street
Columbus, Ohio 43215

Southern District of Ohio
Dayton Office
120 West Third Street
Dayton, Ohio 45402

Bankruptcy Exemptions

Bankruptcy exemptions are protected assets that the bankruptcy code mandates that a debtor is entitled to keep in order to adequately get a "fresh start" after filing. Bankruptcy exemptions vary from state to state, and the following list is the property that is protected in the bankruptcy code of Ohio. For more information, follow this link: bankruptcy exemptions.

Also, Ohio is a tenancy by the entirety state. Click here to learn about what this means if you have debt that's in only one spouse's name.

Real Estate, Auto, Personal Property

-Real or personal property you occupy to $5000
-Motor vehicle to $1000
-$400 of any property
-Animals, crops, books, musical instruments, appliances, household goods, furnishings, firearms, hunting and fishing equipment to $200 per item; one piece of jewelry to $400, $200 for all others; all together cannot exceed $1500 ($2000 if no homestead exemption taken)
-Beds, bedding, clothing to $200 per item
-Burial plot
-Cash, money due in 90 days, tax refund, bank, security, and utility deposits to $400 total
-Compensation for lost future earnings needed for support, received during 12 months before filing
-Tuition credit or payment
-Wrongful death recoveries for person filer depended upon for support, received 12 months before filing

-Benevolent society benefits to $5000
-Disability benefits to $600 per month
-Fraternal benefit society benefits
-Group life insurance benefits
-Life, endowment, or annuity contract avails for your spouse, child, or dependent
-Life insurance proceeds for a spouse
-Life insurance proceeds if clause prohibits proceeds from being used to pay beneficiary's creditors
Public Benefits

-Crime victims' compensation, received during the 12 months prior to filing
-Disability assistance payments
-Public assistance
-Unemployment compensation
-Vocational rehabilitation benefits
-Workers' compensation


-ERISA-qualified benefits needed for support
-IRAs, Roth IRAs, Keoghs needed for support
-Firefighters, police officers
-Public employees
-Public safety officers' death benefits
-Public school employees
-State highway patrol employees
-Volunteer firefighters' dependents

Tools of Trade

-Implements, books, and tools of trade to $750


-Child support, alimony needed for support
-Property of a business partnership

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