Author Archives: Jay Butchko
How Ohio’s “Right To Cure” Laws Can Help Homeowners Avoid Foreclosure
Nothing is more stressful for homeowners than the threat of foreclosure. Late mortgage payments can quickly turn into legal notices, and you could face the threat of losing your home. However, what many Ohio homeowners aren’t aware of is the legal protection they enjoy before foreclosure even begins. One of the most significant of… Read More »
Independent Contractors Vs. Employees: Legal Risks For Ohio Small Businesses
Small businesses in Ohio rely on independent contractors for their flexibility and ability to manage costs. However, it is crucial to understand the legal difference between independent contractors and employees so that you can avoid legal and financial penalties for your business. Why worker classification matters The type of category the employee falls under… Read More »
How Ohio Homeowners Can Prepare For And Respond To Mortgage Servicer Errors
Mortgage servicing mistakes are more common than many people in Ohio realize, and the results can be quite serious. A simple mistake, such as the incorrect application of a payment or the misuse of an escrow account, can escalate into serious problems, including late fees, damage to the homeowner’s credit rating, and even foreclosure…. Read More »
What To Do When Your Ohio Property Title Is Clouded: Legal Steps And Remedies
One of the largest financial transactions that a person can make in their lifetime is the purchase of a piece of real estate. Regardless of whether the property is used for residential or commercial purposes, the owner expects a clear title to the property if they choose to sell the property or refinance it… Read More »
Telemarketing, Texting, And AI: Understanding Ohio Consumers’ Rights Under The TCPA
Unwanted robocalls and spam texts are now a daily nuisance for many consumers across the State of Ohio. With the increasing use of automated dialing systems, text message campaigns, and artificial intelligence for contacting consumers, the law has not been able to catch up. However, the Telephone Consumer Protection Act (TCPA) remains an important… Read More »
What Ohio Small Business Owners Need To Know About Non-Compete And Non-Solicitation Agreements
Two of the most popular legal tools for Ohio small businesses are non-compete and non-solicitation agreements. These are used to safeguard customer relationships, confidential information, and investments in your employees. Unfortunately, there’s a large amount of confusion regarding these agreements, and if not drafted properly, they can be unenforceable. It is therefore necessary to… Read More »
Understanding Ohio’s Lemon Law: What To Do After Buying A Defective Vehicle
One of the largest purchases that people make in their lives is the purchase of a new car. But what happens when that car is a lemon? It can quickly turn into a financial nightmare. Fortunately, Ohio has some important protections in place for consumers in the form of the Ohio Lemon Law. It… Read More »
How Ohio Homeowners Can Use Loss Mitigation Tools Beyond Loan Modifications
When a homeowner is unable to pay their mortgage, they often believe that the only solution is a loan modification to avoid foreclosure. While loan modifications are beneficial in some situations, they are not the only solution and, in some cases, not the best solution available. Homeowners in Ohio have access to a variety… Read More »
What To Do When You Receive A Deficiency Notice After Foreclosure In Ohio
For many Ohio homeowners, foreclosure feels like the end of a tough chapter. The house is sold, the case is closed, and now you get to move forward. However, in some cases, a new puzzling letter shows up in the mail after your house has been foreclosed on. You may end up getting a… Read More »
Guide To Small Claims Court In Ohio: When It Makes Sense And When It Doesn’t
If you’re involved in a financial dispute, such as a contractor who never completed the project, a customer who refuses to pay an invoice, or a landlord/tenant issue, you may be wondering whether or not it’s worth the effort to go to court. Small claims court may be an option for you, and for… Read More »