Author Archives: Jay Butchko
Real Estate Purchase Agreements In Ohio: Common Pitfalls And Red Flags Before You Sign
One of the largest financial deals that most people make in their lifetime is buying or selling real estate. In Ohio, this is subject to a real estate transaction. Although these contracts seem to be relatively straightforward, there are some pitfalls that can cause costly problems when things go wrong. Understanding these pitfalls can… Read More »
Builder & Contractor Warranty Disputes In Ohio: Your Rights After A Bad Renovation
The idea of hiring a contractor is supposed to improve your home, not give you leaks in the ceilings, tile damage, incomplete jobs, or repairs that cost even more money to fix. Unfortunately, homeowners in the State of Ohio are experiencing failed renovation jobs every day. And if the contractor doesn’t come back, doesn’t… Read More »
Understanding Ohio Wage Garnishment: What Consumers Should Know Before Creditors Take Your Paycheck
There is nothing more stressful than seeing your paycheck dwindle away because of debt. Many Ohio consumers are surprised by wage garnishment, often after a long period of debt collection and phone calls. Learning about wage garnishment and what protections exist for you under Ohio and federal law can help you take charge of… Read More »
Understanding TCPA Claims: When Unwanted Calls & Texts Become Illegal In Ohio
If you are receiving a barrage of robocalls, text messages, or repeated calls from unknown numbers, you are not alone. Many Ohio consumers have been subjected to these annoying communications, but they can also violate federal law. The Telephone Consumer Protection Act is a federal statute intended to shield consumers against abusive telemarketing practices,… Read More »
What Ohio Homeowners Should Know About Mechanic’s Liens And Construction Disputes
If you hire a contractor to improve your home, you expect the job to be done properly, and paid disputes are usually the last thing on your mind. But in Ohio, disagreements over construction work can quickly escalate into a mechanic’s lien, a powerful legal tool that can affect your property title and your… Read More »
When Homeowner Associations Can Actually Foreclose And What You Can Do (Even If You’re Behind On Fees)
For many Ohio homeowners, the idea of losing a home over past-due association fees seems unthinkable. After all, most people associate foreclosure with missed mortgage payments, not unpaid dues to a condo or homeowner association. But in Ohio, HOA and condo associations do have the legal authority to initiate a foreclosure, and they use… Read More »
What To Do When Your Mortgage Servicer Sells Or Transfers Your Loan — Your Rights In Ohio
For many Ohio homeowners, few things are more unsettling than receiving notice that their mortgage has been sold or transferred to a new servicer. Even if you’ve never missed a payment, the sudden change can feel confusing, and sometimes mistakes happen during the transition. Understanding your rights can help you stay protected and avoid… Read More »
Foreclosure Defense In Ohio: Options To Protect Your Home Before It’s Too Late
For many Ohio homeowners, few experiences are more overwhelming than facing foreclosure. Consumers often feel blindsided by the notice and don’t know what steps to take to correct the issue. While it’s true that foreclosure is a serious legal process, it doesn’t have to be the end of the road. In a lot of… Read More »
Understanding Your Credit Report: Common Errors And How To Fix Them
Credit reports play a major role in our lives. They have an impact on whether you can apply for a mortgage, get the apartment you want, apply for a car loan, and even certain employers might want to check your credit before hiring you. That being said, credit reports are not always accurate. Errors… Read More »
Consumer Contracts 101: What To Watch Out For Before Signing Service, Subscription, Or Home-Repair Agreements In Ohio
Most of us sign everyday contracts without giving them much thought. You could be hiring someone for home repairs, joining a gym, starting a streaming subscription, or picking a new phone plan. But in Ohio, a lot of legal headaches actually start with these kinds of routine agreements. Things like hidden fees, automatic renewals,… Read More »