Heydorn & Crull, LLC

07/20/2023

06/15/2023

Good news out of the Supreme Court today. The Court has ruled that the bankruptcy code allows for discharge of debts owed to tribal lenders. This decision resolves-in favor of consumers-a split in decisions among lower courts on the issue.

Tribal lenders have historically charged outrageous interest rates on personal / payday loans--sometimes in the range of 500%. They do this by incorporating on tribal land and claiming sovereign immunity from laws limiting interest rates and collection practices.

The US Supreme Court decided TODAY that the bankruptcy code unequivocally abrogates sovereign immunity. This means that there is no question that debts to tribal lenders are dischargeable in bankruptcy, and that tribal lenders are subject to the automatic stay imposed under the bankruptcy code. So they cannot continue to pursue collection actions after a bankruptcy case is filed.

To read the Court's opinion, go to supremecourt.gov and find the Lac Du Flambeau v. Coughlin slip opinion under the Court Opinions tab

05/25/2022

This position is for 10-20 hours per week. And starts at $12.00 per hour.

Requires good writing skills and familiarity with Microsoft Word and XL programs.

The successful candidate will have the level of integrity and discretion required to protect confidential client information.

The successful candidate will assist in client intake and communication, case review, legal research and writing, and document preparation.

Apply by submitting your resume and a cover letter.

05/20/2022

We’re looking for a part-time legal assistant / paralegal. Contact us if you’re interested or know someone who is.

05/14/2022

On June 1, 2022, we will be moving to our new location at 198 Portage Trail Ext. W, Suite 100B, Cuyahoga Falls, Ohio 44223.

Come see us in our new office!

04/19/2022

I am sad to announce the passing of my friend, mentor, and law partner, Robert W. Heydorn.

02/11/2022

Unfortunately, this kind of predatory lending is legal. It might seem like a quick fix to an immediate problem, but it only ever makes your financial situation worse. Please do not fall into this trap. If you need help, please call me to get back on the road to financial well being.

01/31/2022

File your chapter 7 bankruptcy with $0 down. Spread the cost over the next 12 months of interest-free payments and start rebuilding your credit!

01/13/2022

People often ask us if they will lose their tax refund in a bankruptcy.
The best answer to this question is: It depends.

Certain tax credits are protected by exemptions in bankruptcy. For example, if your refund is based on the Earned Income Credit or the Additional Child Tax Credit, the amount associated with those credits cannot be taken by the trustee. Similarly, the trustee cannot reach refunds based on Recovery Rebate Credits (associated with Covid relief).

If your refund is based simply on overpayments to the IRS or State tax authorities, the refund is not protected by an exemption, and the trustee can reach those funds. If you are in a chapter 7 case, the trustee will take those funds to distribute among your creditors. If you are in a chapter 13 case, the trustee may (or may not) have a policy by which you agree to turn over a portion of the non-exempt refund and keep the rest.

Call Heydorn & Crull to see if your tax refund will be protected.

01/07/2022

Our 0-down, 0-interest program can help you rebuild your credit score after a bankruptcy by spreading the fees over a 12 month period. The interest free payments are reported to the credit reporting agencies to help kickstart the process of rebuilding your credit. Call Heydorn & Crull to find out how we can help you.

01/06/2022

A lot of people worry about losing their car in bankruptcy. In most cases, you can keep your car in either chapter 7 or chapter 13 bankruptcy. The bankruptcy code allows an individual to protect up to $4,000 in equity in a car. If you are married and you both file, you and your spouse can combine this exemption to protect up to $8,000 of equity in a car.

A chapter 13 bankruptcy allows you to keep the car and catch up on past-due payments over the course of 3-5 years. In some cases, you can even pay the car off over the course of the 3-5 year plan. In addition to that, in some cases, you can reduce high interest rates and pay the car off for less than what you actually owe on it.

A chapter 7 bankruptcy allows you to choose one of 3 options: redeem the car, enter into a reaffirmation agreement with the lender to continue paying on the loan after the bankruptcy, or surrender the car.

Heydorn&Crull can help you navigate these options. Call us to find out how we can help you get on the path to a fresh financial start.

01/04/2022

Start the new year with a fresh start. Heydorn & Crull can file your chapter 7 case with 0 money down.

11/15/2021

Heydorn & Crull can file your chapter 7 bankruptcy case for no money down. Stop losing sleep! Contact us today!

Heydorn & Crull provides a high level of dedication throughout your estate planning or bankruptcy case. Click here to learn about our law firm near me.

09/30/2021

If you negotiate a settlement of your debt outside of bankruptcy, the amount of debt that the creditor forgives is counted as taxable income.

Debt discharged in bankruptcy is not counted as taxable income.

Heydorn & Crull can handle your chapter 7 bankruptcy for 0-down, 0-interest for 12 months. We also offer very flexible payment plans for chapter 13 cases.

Call us today for a free consultation. Get on the road to your fresh start.

09/30/2021

Get the relief you need and file Chapter 7 Bankruptcy NOW! We can stop garnishments, repossessions, and collector calls. With our Zero-Down Chapter 7 program, we will help you get back on your feet with manageable payments and start rebuilding your credit by reporting your payments to the credit bureau! You cannot afford to wait any longer. -DownChapter7

Heydorn & Crull provides a high level of dedication throughout your estate planning or bankruptcy case. Click here to learn about our law firm near me.

09/13/2021

Heydorn & Crull, LLC can file your chapter 7 case with no money down! Call today; sleep better tonight.

09/10/2021

One of my favorite things about my job is hearing people say that they can sleep better after talking to me.

If debt is casing you to lose sleep, call me. I can help.

I’ll also be announcing some exciting news about payment options soon. Stay tuned!

08/31/2021

08/25/2021

We've updated our website. Check it out at www.heydorncrull.com

Heydorn & Crull provides a high level of dedication throughout your estate planning or bankruptcy case. Click here to learn about our law firm near me.

08/12/2021

Check out my new profile on AVVO.com. See my legal guides and answers I have posted to user questions. If you're a current or former client, leave a review! If you're a colleague, leave a recommendation!
https://www.avvo.com/attorneys/44221-oh-christopher-crull-4774939.html?ad_impression_guid=8eb212e3-2339-4a3d-ac9d-84a2fb551304

Find Ohio attorney Christopher Crull in their Cuyahoga Falls office. Practices Chapter 13 bankruptcy, Chapter 7 bankruptcy, Bankruptcy and debt. Find reviews, educational history and legal experience.

07/05/2021

Chapter 13 Bankruptcy

Think of a Chapter 13 bankruptcy case as a bill consolidation plan that imposes a settlement of your debt on your creditors. In a Chapter 13 case, you pay a single monthly payment to the Chapter 13 Trustee, who then distributes the payment among your creditors.

Your monthly payment amount is determined by subtracting your necessary expenses from your monthly income. The “disposable income” that is left over after paying your necessary expenses is what you pay to the Bankruptcy Trustee. Under this plan, you never pay any creditor more than you can afford to pay, and you never need to “rob Peter to pay Paul.” That is, you never need to sacrifice on one bill to pay another.

We will help you develop a chapter 13 payment plan through which your creditors are paid at least a portion of what you owe over the course of a 3 - 5 year plan. At the end of the 3-5 year plan, any debt that remains on things like credit card bills, medical debt, payday loans, debt from repossessed vehicles, etc. is discharged as it would be under a Chapter 7.

Contact Heydorn & Crull for more information on Chapter 13 bankruptcy.

05/18/2021

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy provides for a complete discharge of eligible debt through a liquidation of your non-exempt assets. Under a Chapter 7 bankruptcy, the bankruptcy trustee can take any asset that is not protected by an exemption and sell it to generate money that is used to repay some portion of your debts to your creditors.

The law provides important exemptions that protect equity in your home, cars, household goods, work tools and other assets. These exemptions allow most people to complete a bankruotcy while keeping their homes, cars, and many other assets.

Call Heydorn and Crull to find out how the bankruptcy laws can protect you.

12/31/2020

We do more than bankruptcy! If you need a will, a durable power of attorney, a healthcare power of attorney, or a living will, we can help you with that too!

10/14/2020

I’m happy to announce that I have partnered with Attorney Robert Heydorn to form Heydorn & Crull llc. Our practice focuses on bankruptcy, estate planning, business law, and real estate law.

09/10/2020

Many prospective clients are curious as to how a bankruptcy will impact their credit. Many are worried that they will never be able to get credit again, and therefore never be able to buy a car or a home after filing bankruptcy. This just isn't the case.

Generally, a chapter 13 bankruptcy will stay on your credit report for 7 years. Chapter 7 tends to stay on for 10 years. That time is measured from the date of filing.

It generally takes 4-6 months to get a discharge in a chapter 7 case, So, if you file a chapter 7, you can expect the bankruptcy to appear on your credit report for around 9.5 years after your discharge.

A chapter 13 case takes anywhere from 3 to 5 years to complete, depending on your income level. So a chapter 13 bankruptcy will appear on your credit report for 2-4 years after you receive a discharge.

Individual delinquent accounts may disappear from your credit report sooner than your bankruptcy does. This is because each individual delinquent account will remain on your report for a total of 7 years from the date that it first became delinquent. So if you have accounts that are delinquent before the bankruptcy, they could fall off of your report before the record of the bankruptcy is removed.

In terms of how the bankruptcy affects your credit score, any bankruptcy will have a negative effect on your score. However, the extent of the effect will depend on what your score is before the bankruptcy. If you have a high score going in, bankruptcy will have a much larger effect on the score. If you have a lower score going into the bankruptcy, then filing is not likely to have a drastic effect on your score.

It is not impossible to rebuild your credit after a bankruptcy, and there are companies that will work with you to re-establish your credit after you file. How fast you rebuild your credit generally depends on how fast you can establish a positive payment history for accounts that appear on your credit report.

This can be more difficult to do in a chapter 7 because, while there are companies that will work with you, it may be difficult to get multiple accounts opened after a chapter 7.

Rebuilding credit is easier in a chapter 13 bankruptcy because chapter 13 involves a payment plan in which your existing creditors continue to get at least partial recurring payments. This helps to re-establish a positive payment history on more accounts that appear on your credit report, thereby improving your score more quickly.

If you have questions about bankruptcy, please call me at 330-461-9932 or email me at [email protected]

08/07/2020

Come visit us at our new location!

355 Portage Trail, Suite 2, Cuyahoga Falls, OH 44221!

07/28/2020

I’m happy to announce that The Law Offices of Christopher A. Crull, Ltd will open for business on August 1. Serving Northeast Ohio, I will focus my practice primarily on chapter 7 and chapter 13 bankruptcy. I will also practice in the areas of estate planning, real estate law, and business law.

I offer free initial consultations and flexible payment plans. Call today to see how I can help you!