Sawin & Shea

MARCH 6, 2024

Two of the most common options for dealing with unmanageable debt are filing for bankruptcy and pursuing debt consolidation. Bankruptcy and debt consolidation are distinct solutions, each with advantages and potential drawbacks. It simplifies your payments, and many people save money with this approach.

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Debt Free Colorado

DECEMBER 30, 2023

Bankruptcy is Not Always Disadvantageous for Your Retirement Savings In today’s economic landscape, unforeseen challenges can lead individuals to consider bankruptcy as a viable option. One crucial aspect that often concerns people contemplating bankruptcy is the fate of their retirement savings.

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Sawin & Shea

SEPTEMBER 27, 2023

Filing for bankruptcy can provide you with a much-needed second chance when it comes to your finances. If you are a victim of debt collector harassment, it’s important to know the debt collection laws, and consider your options for debt relief. What is Chapter 7 Bankruptcy?

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Sawin & Shea

OCTOBER 12, 2022

Filing Chapter 7 bankruptcy provides numerous Indiana residents with debt relief. If you’re considering filing for Chapter 7 bankruptcy, you need to know what types of property may be vulnerable, and how you may be able to keep all of your possessions. Indiana Chapter 7 Bankruptcy Exemptions.

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Sawin & Shea

MARCH 28, 2023

If you’re considering filing Chapter 7 or Chapter 13 bankruptcy, you need to be aware of the different components of the filing process, including the role of the bankruptcy trustee. When starting the filing process, the bankruptcy trustee will investigate your finances and assets to determine whether you’re eligible to file.

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Sawin & Shea

DECEMBER 29, 2021

The bankruptcy process involves looking at your assets. In a Chapter 7, or liquidation bankruptcy, some of your property may not be protected, and you could lose it. Every state has different property exemption rules. Most Chapter 7 filings are what we call a “no asset” case.

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Sawin & Shea

FEBRUARY 7, 2024

If you’re considering filing for Chapter 7 or Chapter 13 bankruptcy , you need to know how much you should expect to pay for filing fees and other necessary expenses. You may also wonder whether you can file bankruptcy, no money down. It is possible to file for bankruptcy with no money, but only in very limited circumstances.

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Debt Free Colorado

JANUARY 20, 2024

Learn to Eliminate Medical Debts Through Bankruptcy Bankruptcy and medical debt relief have become buzzwords for those with financial problems due to unexpected health issues. It is crucial to understand the intricacies of bankruptcy and medical debt relief in Broomfield, CO, for a stable financial future.

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Albuquerque Law

APRIL 6, 2022

Their first worry often revolves around whether or not they will lose the benefits they need if they decide to file bankruptcy. You and your family rely on these benefits. Both federal and New Mexico rules classify most government benefits as exempt property in a bankruptcy filing. What happens to benefits?

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Sawin & Shea

MARCH 20, 2024

When you have bills piling up and you’re dealing with notices from the Internal Revenue Service (IRS), it’s time to contact an attorney to learn more about your options. You may be wondering whether you should opt for a tax attorney or a bankruptcy attorney. You deserve a fresh start.

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Debt Free Colorado

JANUARY 27, 2022

You’ve undoubtedly heard of bankruptcy. Some people swear they’ll never file bankruptcy, while others regularly use it as a tool. No matter which side you’re on, chances are you have heard of the term “non-exempt property.” Why do people file for bankruptcy? Bankruptcy and Your Property.

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Sawin & Shea

NOVEMBER 1, 2023

Because of the serious burden medical debts have placed on Americans, many are turning to bankruptcy as a potential option. However, while bankruptcy can help, it’s important to understand how the process works, especially concerning your medical debt. Can You File Bankruptcy on Medical Bills?

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Sawin & Shea

JUNE 18, 2020

If you’re filing for bankruptcy, you might be assuming that you’ll lose your house and personal property. Read on to learn more about how exemptions work. How Do I Protect My Home During Bankruptcy? During your bankruptcy, you can protect your home in two main ways. This is rarely true.

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Sawin & Shea

MARCH 15, 2022

Filing for bankruptcy is an important step for many individuals looking to overcome debts. Your investment real estate’s outcome depends entirely on whether you file for Chapter 7 or Chapter 13 bankruptcy. Investment Real Estate in Chapter 7 Bankruptcy. Surrendering Investment Real Estate in Chapter 7 Bankruptcy.

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Sawin & Shea

MARCH 27, 2024

Filing for bankruptcy can feel incredibly daunting, especially if you have concerns over whether it may impact your future job prospects. The sad reality is that many people hold misconceptions regarding bankruptcy filers. They believe those declaring bankruptcy are irresponsible or bad with money.

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Sawin & Shea

AUGUST 23, 2023

If you’re stressed about your finances, you’re in good company. With these kinds of figures, it isn’t surprising that we often get the question from clients: Does filing for bankruptcy eliminate debt? With Chapter 13, your debt would be restructured and you would make a monthly payment to a bankruptcy trustee.

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Sawin & Shea

FEBRUARY 28, 2024

When filing for bankruptcy, you can discharge certain types of personal loans, meaning that you’re no longer legally responsible for paying off the debt. If you’re considering filing for bankruptcy, you need to know what personal loans you can discharge and which filing method suits your financial situation.

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Credit Corp

MAY 30, 2023

Bankruptcy can happen to anyone—despite their best efforts. And while most people understand that bankruptcy is generally bad for them, many don’t realize the details of how it can impact you. Read below to find out what happens to your credit score after bankruptcy and what you can do to repair your credit afterward.

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Sawin & Shea

APRIL 17, 2024

Chapter 13 bankruptcy is an invaluable financial tool for those struggling with overwhelming debt, and it can pave the way for a fresh start. Unlike Chapter 7 , Chapter 13 bankruptcy allows you to avoid liquidating your non-exempt assets. What Is a Chapter 13 Bankruptcy Filing?

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Sawin & Shea

NOVEMBER 15, 2023

If you’re struggling with financial hardship, filing for bankruptcy can be an effective way to get back on your feet. But filing for bankruptcy in Indiana doesn’t mean every outstanding debt you’ve ever incurred gets wiped away. Declaring bankruptcy will discharge most types of debt but not others.

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Sawin & Shea

JANUARY 12, 2021

For someone who’s pursuing Chapter 7 bankruptcy , this is especially important. Chapter 7 bankruptcies are liquidation bankruptcies, meaning non-exempt assets can be liquidated to pay your creditors back something. One of the most common assets that bankruptcy trustees seize is your tax refund.

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Sawin & Shea

APRIL 5, 2023

Filing for Chapter 7 or Chapter 13 bankruptcy is sometimes the best solution for those struggling with overwhelming debt. However, many debtors have questions regarding how filing for bankruptcy impacts child support payments and debts. Can You File Bankruptcy on Child Support? Does Bankruptcy Clear Child Support?

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Sawin & Shea

OCTOBER 11, 2023

People file for bankruptcy for any number of reasons, from job loss, to unpaid medical bills , to sky-high credit card bills. And it’s not an uncommon event either– roughly 375,000 people filed for bankruptcy in 2022 alone. There are some debts that filing for bankruptcy will not discharge. What do we mean by this?

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Roths Child Law

JULY 12, 2023

Bankruptcy is a great process that helps many people recover from overwhelming debt obligations. Are you considering filing for bankruptcy? How often can I file for bankruptcy? People can file for bankruptcy as many times as they wish. Or, a Chapter 7 to a Chapter 13 bankruptcy may require people to wait 4 years.

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Sawin & Shea

OCTOBER 18, 2023

But if you’re trying to decide if you should file for bankruptcy, going on vacation is more complicated. Vacation in Chapter 7 Bankruptcy You can take a vacation before filing for Chapter 7 bankruptcy if you’ve already paid for it, you weren’t experiencing financial difficulty at that time, and it’s non-refundable.

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Sawin & Shea

AUGUST 16, 2023

If you’re wondering “Can I file for bankruptcy without a lawyer?” The option to file for bankruptcy without an attorney, known as Pro Se bankruptcy, is available under the United States bankruptcy law. While it is true that Pro Se bankruptcy can help you save on legal fees, it comes with certain challenges and risks.

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Sawin & Shea

MARCH 13, 2024

If you’re considering bankruptcy, you may wonder which filing type is right for you. The two basic types of bankruptcy classifications for individuals and families are Chapter 7 and Chapter 13. In this blog, you’ll learn about whether you can reaffirm your debt in Ch. 13, the differences between Ch.

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Roths Child Law

APRIL 4, 2023

Bankruptcy Code reserves certain opportunities for those who are least likely to be able to repay their debts any time soon. Unlike Chapter 13 bankruptcy, which is available to most Americans, Chapter 7 bankruptcy is only available to low-income filers. Under those circumstances, Chapter 13 bankruptcy is usually preferable.

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Credit Corp

MAY 3, 2023

If you decide to file for bankruptcy, you must next decide which type of bankruptcy is right for you. Bankruptcy can be complex, and even a small mistake in how you file can substantially change the outcome of your case. What Is Chapter 11 Bankruptcy? What Is Chapter 11 Bankruptcy?

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Roths Child Law

FEBRUARY 19, 2021

Filing for Chapter 7 bankruptcy can be an effective way to eliminate a variety of unsecured business or personal debts. In some cases, you may receive a discharge without losing assets such as positive equity in your Tennessee home. Let’s take a look at some specific reasons why you may want to pursue a liquidation bankruptcy.

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Sawin & Shea

APRIL 26, 2023

This allows them to take possession of your real estate holdings, personal property, or business. If the creditor has your date of birth and social security number, they may be able to garnish your bank account and apply that money toward your debt balance.

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Sawin & Shea

MARCH 21, 2023

If you’re struggling with overwhelming tax debts, you should consider all of your financial options , one of which is filing bankruptcy Chapter 13. With Chapter 13, you can pool all of your debts, including some types of tax debts, into a three-to-five-year repayment plan. Does Bankruptcy Clear Tax Debt?

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Sawin & Shea

MARCH 2, 2022

Shortly after you file for Chapter 7 or Chapter 13 bankruptcy, you will receive a notice for your section 341 meeting of creditors. It’s an essential part of the bankruptcy process that usually takes place at the Federal courthouse, but currently is done over the phone or via a Zoom chat due to the pandemic.

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Sawin & Shea

JUNE 28, 2023

People file for bankruptcy for any number of reasons, from sky-high medical expenses to loss of income and the inability to make their mortgage payments each month. But filing for bankruptcy isn’t a shameful or immoral act. In some cases, people have spent beyond their means, and now it’s time to repay their debts.

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Sawin & Shea

JULY 5, 2023

Declaring Chapter 7 bankruptcy may be the best solution in cases like this. There are effects that should be considered, preferably alongside a bankruptcy attorney. What is Chapter 7 Bankruptcy? Filing for bankruptcy is more common than you might think. But what exactly is a Chapter 7 bankruptcy?

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Roths Child Law

JUNE 13, 2021

When people are considering Chapter 7 bankruptcy, one of their primary concerns is that they will have to give up things that they need and things that are very important to them. The bankruptcy court will divide their assets into exempt and non-exempt. Exempt assets are those that a person can keep.

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Roths Child Law

MAY 7, 2023

Are you struggling with overwhelming debt and considering bankruptcy as a way out? If so, you may have heard of Chapter 7 and 13 bankruptcy. Although both options offer a fresh start to your financial situation, there are significant differences between the two. This stops virtually all collection actions from creditors.

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