Author Archives: Jay Butchko
When A Contractor Disappears After A Deposit: Legal Options For Ohio Homeowners
Letting someone into your home to handle renovations or repairs takes some amount of trust. You’re counting on their know-how, management of your deposit upfront, and hoping the job gets done on time. But what if the contractor suddenly stops replying? Or they drag the project out with excuse after excuse. Or worse, they… Read More »
Foreclosure Defense In Ohio: Know Your Rights And Alternatives To Bankruptcy
Are you facing the foreclosure of your home? If so, you know it can be a daunting experience that often leads to feelings of helplessness and panic. It’s important to understand that receiving a foreclosure complaint doesn’t automatically mean that you’ll lose your home. Homeowners in Ohio have important legal rights and several alternatives… Read More »
When Small Businesses Rely On AI-Generated Contracts: Legal Pitfalls For Ohio Employers
Artificial intelligence has made it easier than ever for small businesses to draft contracts, policies, and forms without hiring a real lawyer. With a few clicks, an AI system can produce employment agreements, vendor contracts, website policies, and more. For busy business owners, this can feel like a cost-effective shortcut, especially in the early… Read More »
Credit Repair Scams: How Ohio Consumers Can Spot And Stop Them
Many Ohio consumers are working to improve their credit scores, often after financial hardship, medical bills, job loss, or unexpected debt. This has created fertile ground for “credit repair” companies offering quick fixes, fast score boosts, or the promise to “erase” negative marks from your credit report. While some legitimate organizations offer budgeting assistance… Read More »
The Growing Risk Of Automated Debt Collection In Ohio: What To Do When The Law Meets AI
If you’ve noticed your phone buzzing more often recently, you’re not alone. Automated debt collection systems (like robocalls, scripted text messages, and auto-generated emails) have exploded in recent years. Creditors and collection agencies are increasingly using artificial intelligence to decide when to call, what to say, and how to pressure consumers. For many Ohio… Read More »
Construction Contract Disputes In Ohio: How To Protect Your Small Business From Costly Delays & Claims
For many Ohio contractors, subcontractors, and small construction companies, a single contract dispute can derail an entire project. Missed deadlines, unclear scopes of work, disputed change orders, and payment conflicts don’t just cause frustration, they can lead to liens, lawsuits, and serious financial exposure. Since construction projects involve multiple moving parts and strict timelines,… Read More »
Understanding Mechanic’s Liens In Ohio: What DIY Homeowners Need To Know
Home renovation is now more popular than ever, especially as homeowners look to improve property value or customize their space without the cost of hiring a general contractor. But even when you take on a project yourself, you might still be exposed to legal risk many homeowners don’t expect: a mechanic’s lien. Mechanic’s liens… Read More »
Debt Collection In Ohio: Your Rights Under The FDCPA And The Ohio Consumer Sales Practices Act
When you’re dealing with debt, the last thing you need is a collector calling nonstop, threatening you, or pressuring you into paying money you don’t owe. Unfortunately, many Ohio consumers experience exactly that. The good news is that both federal and state law give you strong protections — and you have more power than… Read More »
Your Rights Under Ohio’s Consumer Protection Rules: What To Do If A Business Breaks The Law
Ohio’s consumer protection laws are there to level the playing field between individuals and businesses. Deceptive car sales, unfair debt collection tactics, or misleading advertisements are all conduct that Ohio law protects consumers from. Ohio consumers have strong legal protections that are designed to stop abuse and recover damages from offending businesses. Those who… Read More »
Emerging Risks For Ohio Homeowners: AI-Driven Mortgage Servicing Errors & What To Do
Over the past couple of years, the mortgage servicing industry has quietly adopted artificial intelligence to handle its mortgages. Automated payment processing. AI-powered chatbots. Digital escrow management. All this technology now touches almost every stage of mortgage servicing. On the one hand, these tools can improve efficiency. On the other hand, they can introduce… Read More »