Kohl & Cook Law Firm LLC

What the firm handles

Most of the work here centers on people under financial or property pressure. Kohl & Cook Law Firm LLC represents consumers, homeowners, and small businesses across Ohio. Foreclosure defense makes up a large share of the practice, and it sits next to consumer protection claims, civil litigation, business representation, and real estate work.

The firm groups its cases into a few clear lanes: mortgages and homes, debt collection and deceptive sales, and business disputes tied to contracts and property title. In my opinion, that mix suits a client base that often walks in with more than one problem at the same time. A homeowner behind on a mortgage may also face a debt collector, and the same office can take both. Small business clients bring a different mix, such as a contract that fell apart or a lien on a job they finished.

Foreclosure defense and where bankruptcy fits

The foreclosure practice covers loan modifications, RESPA claims, federal actions, foreclosure avoidance, and HOA foreclosure defense. The firm states that it works on the foreclosure case itself first, and it advises clients separately on whether bankruptcy may be an option for their situation.

A short note on the terms may help readers new to them. RESPA, the Real Estate Settlement Procedures Act, sets rules for how mortgage servicers must answer borrower requests and fix account errors. Loan modification work runs through a servicer's loss mitigation review, where income records and a hardship explanation carry weight. Foreclosure avoidance covers the steps a homeowner can take before a sale date is set. Those steps can include workout talks with the servicer and challenges to how the loan account was handled. HOA foreclosure defense deals with liens that a homeowner association files over unpaid dues, which follows a separate track from a mortgage foreclosure. A federal action can run in parallel, in the U.S. district court, when the claim rests on a federal statute.

Consumer protection claims

The consumer side takes on telemarketing and robocall claims, unfair debt collection and creditor harassment, deceptive sales practices, credit reporting errors, lemon law, and door-to-door solicitation claims. These sit under both Ohio and federal statutes.

Several of these rely on laws most people never read closely. The FDCPA, the federal Fair Debt Collection Practices Act, limits how and when a collector may contact someone who owes money. The Ohio Consumer Sales Practices Act addresses unfair or deceptive acts by sellers. The TCPA, the Telephone Consumer Protection Act, gives many robocall and text claims their footing. Credit reporting disputes turn on the accuracy duties that bind the reporting agencies and the businesses that feed them data. Lemon law claims center on repeated repair failures in a vehicle still under warranty. Home solicitation claims apply to sales made at a person's door, where Ohio law gives the buyer a window to cancel. Many of these federal statutes let a consumer who wins recover statutory damages, and they shift the legal costs to the losing side, one reason lawyers take such cases for individuals.

Business, real estate, and civil disputes

Past its consumer files, the firm handles general civil litigation such as breach of contract disputes, business torts, and contractor disputes. It also acts as general counsel for business clients, takes employment matters, and runs real estate cases that include quiet title suits and mechanic's liens.

Quiet title and mechanic's lien work both touch the property record. A quiet title suit asks a court to settle who holds valid ownership when a claim is disputed or clouded. A mechanic's lien is a claim that a contractor or supplier files against a property for unpaid work, and a fight over one often comes down to notice deadlines and the documents filed at each step. Business torts cover wrongful conduct between companies, such as interference with a contract or a deal built on misrepresentation. Employment matters can include a dispute over a worker's final pay or a claim tied to how a job ended. General counsel work is steadier, the ongoing advice a company needs on its contracts and daily decisions. Contractor disputes sit close to this same law, which may be why the firm keeps building and real estate matters under one roof.

How the team is built

The firm names three partners: Timothy J. Cook, Sean M. Kohl, and Andy Gerling. Jacob Dattilo carries the title of attorney. The associate group includes Caleb Johnson, Gregory Seymour, Cole Stemmer, Cole Pirwitz, Matthew Lawson, Ian Humphrey, Matthew G. Bruce, and Anna Doren.

That is a dozen lawyers named on the site, a roster larger than many consumer-facing firms carry. The Our Team page lists names and titles, and it does not publish individual bios, law schools, or admission years. As a reviewer, I read a group this size as a firm that spreads its caseload across several hands, which fits practice areas that each move on their own clock. A firm that keeps eight associates on staff has room to give junior lawyers the research and filings while partners handle strategy and court appearances, the usual shape of a practice this size. Two of the named partners also share the firm's name, a common sign that the founders stay active in the day to day work.

Offices and reach across Ohio

Two locations anchor the firm, one in Worthington and one in Dayton, and it takes cases throughout Ohio. Worthington sits just north of Columbus in central Ohio, and Dayton lies to the west, which gives the firm a base in two of the state's larger metro areas. Ohio foreclosure and consumer cases move through the common pleas courts in each county, so a statewide practice means the firm's lawyers appear in courts well outside their two home counties. The firm publishes profiles on Facebook and LinkedIn, and it invites prospective clients to begin with an initial consultation.