Author Archives: Jay Butchko
Kohl & Cook Holiday Challenge: Supporting the Mid-Ohio Food Collective
The Kohl & Cook team is celebrating the holidays with some friendly rivalry and a lot of heart. Our 2025 Red vs Green Holiday Challenge runs from November 1 through December 23, with each team competing to collect the most donations for the Mid-Ohio Food Collective. You can help us make a real difference:… Read More »
5 Warning Signs That Your Mortgage Servicer Is Violating Ohio Foreclosure Laws
Those facing the possibility of foreclosure know how stressful it can be. When mortgage servicers mishandle accounts, it can make matters far worse. However, state and federal laws give borrowers important protections, but violations often go unnoticed until it’s too late. Knowing the red flags can help you spot misconduct early and protect your… Read More »
Ohio Consumer Protections You Probably Don’t Know About (And How To Use Them)
The majority of folks don’t necessarily think about consumer protection laws until something in their life goes wrong. A company overcharges, a contractor doesn’t deliver on their promises, or a debt collector refuses to stop calling. What many Ohio residents don’t realize is that both state and federal law provide powerful rights and remedies… Read More »
Five Common Myths About Foreclosure Debunked
Facing foreclosure is among the most stressful experiences that you can face. Unfortunately, misinformation and half-truths can make the process even more confusing. Many people believe that once foreclosure begins, there’s no way to fight back, or the only solution is bankruptcy. That’s simply not true. In reality, Ohio homeowners have several rights and… Read More »
How To Check If Your Lender Has Legal Standing In Ohio Foreclosures
When a bank or mortgage company begins the process of foreclosure, most homeowners assume the lender automatically has the right to take their house. But in Ohio, that’s not always the case. To foreclose, the lender must first prove that it has “standing,” or the legal authority to enforce the mortgage and collect the… Read More »
What Small Business Owners Need To Know Before Signing Commercial Contracts
Running a business in Ohio often means entering into contracts: leases, vendor agreements, service contracts, employment arrangements, and more. These documents form the backbone of your company’s relationships. But too often, small business owners rush through signing without fully understanding the risks involved. A contract that looks harmless on its face can carry hidden… Read More »
What Should I Do If My Credit Report Has Errors: Understanding The FCRA
Your credit report is one of the most important financial documents in your life. It influences whether you qualify for a mortgage, can rent an apartment, or, in some cases, get a job. But what happens if the information on your credit report is wrong? In many cases, credit report errors are more common… Read More »
Understanding HOA Foreclosure In Dayton, OH
Homeowners Associations (or HOAs) are quite common in planned communities. They help maintain shared spaces and enforce community rules. Homeowners in these communities generally pay periodic fees to the HOA to cover costs. If you fall behind on these payments, it can have serious consequences, including the possibility that the HOA will place a… Read More »
How Can Ohio’s RESPA Rights Stop A Wrongful Foreclosure?
Receiving a foreclosure notice can be a frightening experience. The very thought of losing your home, a place where you’ve built so many memories, raised your family, and invested your savings, can overwhelm most people. But before you assume that foreclosure is inevitable, it’s important to know that you have rights under the law…. Read More »
Quiet Title Actions: Clearing Title And Resolving Ownership Disputes In Ohio
When you’re buying, selling, or investing in property, very few things are more important than holding a clear and marketable title. A clouded title, or one in which ownership is disputed, can derail a sale, complicate refinancing, or lead to costly disputes down the road. However, one of the most effective legal tools at… Read More »