Author: Benjamin Luftman

Text-and-drive ban in effect in Columbus today

05.05.2010 in DUI & Traffic Defense, News

The new no-text while driving law goes into effect today in Columbus, Ohio. Put those phones down while driving!

According to the Columbus Dispatch article, here are the details for drivers in Columbus:

• Unlike seat-belt enforcement, you can be stopped and ticketed just for texting.

• The ban covers writing and reading text messages or e-mail, as well as using the Internet while driving. It covers only drivers, not passengers.

• You’re considered to be driving even if you’re stopped at a red light or stuck in traffic. You must be parked or pulled over to text legally from your car.

• Tickets will be $150.

For more information please read the following: Text-and-drive ban

Ranked in the top 10 for bankruptcy filings in Columbus

03.05.2010 in Bankruptcy, Misc, News

Bryan C. Barch and David B. Schultz are ranked #8 in Columbus for overall bankruptcy filings in the first quarter of 2010.

In a recent article from 722 Redemption, Luftman, Heck & Associates, LLP hit the top 10 chart for the most bankruptcy filings in the first quarter. We are excited about the continued growth and success in this arena and hope to jump to the #1 spot in no time!

Free credit counseling information

22.04.2010 in Bankruptcy, Consumer Law, Misc

In the event that you are seeking bankruptcy relief, it is beneficial to know that there is a free credit counseling agency that has been approved by the US Department of Justice for Ohio residents.

A group called the Tides Center is now sponsoring free online credit counseling certificates to debtors.

According to the The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BACPA), every person filing for bankruptcy in the United States is required to take a pre-filing credit counseling course and a pre-discharge credit counseling course. After the courses are complete, a certificate is issued and it will be filed with the bankruptcy court in order to receive discharge on the debt.

Information can be found at their website:

What Makes Up Your Credit Score?

21.04.2010 in Bankruptcy, Consumer Law, Misc

Many people don’t understand what makes up their credit score. Have you ever been denied credit because of your debt to income ratio?

In an article provided by, FICO gives a breakdown of the 5 elements associated with your credit score. Payment history and debt to income ratio are the two most important factors of your credit score. Debt to income ratio means how much money you bring home that goes out to pay your bills. One way to improve your credit score is by making your monthly payments on a consistent and timely basis. To improve your debt to income ratio, you have to pay off your debt. Easier said than done, right? You are in luck, as we have a team of highly motivated paralegals here at LHA that can help you determine the best way to pay off your debt.

The quicker you start eliminating your debt, the quicker you can rebuild your credit score. Call Luftman, Heck & Associates today to speak with one of our paralegals about setting up a payment plan to settle your debt.

Read more: FICO Credit Score Breakdown