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

JANUARY 19, 2022

Filing your taxes and filing for bankruptcy are two things that can be confusing and challenging on their own. Filing your taxes after filing for bankruptcy is not as complicated as it may seem, and if you are still confused after doing some research, you can always reach out to a bankruptcy lawyer. Tax Debt and Bankruptcy.

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Sawin & Shea

FEBRUARY 14, 2024

If you or a loved one has recently filed for bankruptcy or are considering bankruptcy, you may wonder who may find out about your financial situation. That said, we’re here to answer common questions regarding the accessibility of bankruptcy information and whether these documents are part of public records.

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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

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

JANUARY 15, 2024

The discharge of debts at the end of bankruptcy proceedings is often the primary purpose of the process for filers. A discharge reduces what debts someone must pay, making it easier for them to balance their budget and meet their other financial obligations. However, it is the fastest route to the discharge of someone's debts.

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Sawin & Shea

APRIL 3, 2024

Filing for bankruptcy is a great financial option for those struggling with cumbersome debt. It enables you to discharge eligible debts, such as credit card and medical debt, so that you can live with a fresh start in the future. How Will Filing Bankruptcy Impact My Professional License?

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Sawin & Shea

MARCH 9, 2022

When facing bankruptcy, many wonder how much debt is needed to file bankruptcy. There is no minimum amount of debt you need in order to file for bankruptcy, but there are other critical factors you need to take into consideration before filing under Chapter 7 or Chapter 13. Should I File for Bankruptcy?

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Sawin & Shea

NOVEMBER 15, 2022

Bankruptcy is sometimes the best solution for those struggling with overwhelming debt. But tragically, many people decide not to file because they feel ashamed about their financial situations. They fear that other people will find out about their bankruptcy and view them as financially irresponsible. Trustee Program.

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Roths Child Law

FEBRUARY 29, 2024

There are many reasons that people feel the need to file for personal bankruptcy. Before filing, you should understand what a personal bankruptcy filing can and cannot do. If you fail to pay, the courts could create an order to take it from your wages or other sources, even if you file for bankruptcy.

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Sawin & Shea

JULY 29, 2020

One of the things that people hear about bankruptcy is that it usually doesn’t discharge some debts owed to the government, like taxes. Even if you have a large burden of tax debt that is making it extremely difficult to reconcile your finances, bankruptcy can’t always help. How Can I Wipe Out My Tax Debt?

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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. In This Piece Understand the Types of Bankruptcy How Do You Know Which Bankruptcy Type is Right for You?

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Sawin & Shea

AUGUST 17, 2022

There are two primary types of bankruptcies that a person might file when struggling to pay their debts: Chapter 7 and Chapter 13. In a Chapter 13 bankruptcy , the debtor agrees to a payment plan instead of having their property taken to pay creditors. Ways Debtors Try to Hide Their Assets in Bankruptcy.

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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? Does Bankruptcy Clear Medical Debt?

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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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Account Recovery

MARCH 23, 2021

A District Court judge has ruled that a plaintiff does not have standing to sue a collector that sent two collection letters seeking to collect on a debt that had been discharged in bankruptcy in which the letters indicated that the collector would update “credit data it may have” already submitted in exchange for payment.

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Sawin & Shea

FEBRUARY 14, 2023

Although bankruptcy is often the only solution to get your finances back in order if you are struggling under mountains of debt, it does show up on your credit report for years, even after the bankruptcy has been discharged. In either case, speaking with a bankruptcy attorney may help.

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Sawin & Shea

APRIL 10, 2024

Chapter 7 bankruptcy is a great financial solution for those struggling with debt, especially unsecured debts. With Chapter 7 bankruptcy, you as the debtor can discharge most unsecured obligations after liquidating nonexempt assets. For experienced bankruptcy lawyers in Indiana, contact Sawin & Shea, LLC.

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Sawin & Shea

SEPTEMBER 6, 2023

People file for bankruptcy for any number of reasons, from job loss to unpaid medical bills to an unaffordable mortgage. If you’re considering filing for bankruptcy, you’re not alone; roughly 375,000 people filed for bankruptcy in 2022, and home foreclosure filings rose 115% in 2022 over the number of foreclosures in 2021.

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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. Here’s what you need to know about filing Chapter 13 for tax debt relief. Here’s what you need to know about filing Chapter 13 for tax debt relief. Does Bankruptcy Clear Tax Debt?

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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 4, 2023

One of the most common questions from those who file for Chapter 7 or Chapter 13 bankruptcy is, “Can I buy a house after bankruptcy?” and “After bankruptcy discharge, when can I buy a house?” In short, yes, you will be able to purchase a home after bankruptcy. 92% of people who file for bankruptcy never file again.

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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

JUNE 22, 2022

Retirement is meant to be a time when you can finally relax and do the things you want without having to worry about earning an income and paying your bills. Since 1991, the number of retirees filing for bankruptcy has tripled , with 12.2% of all bankruptcies being filed by people 65 and older. Bankruptcy Options as a Retiree.

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Sawin & Shea

JULY 12, 2023

Declaring bankruptcy can appear incredibly intimidating. The truth is that there’s nothing wrong with declaring bankruptcy, and it’s often the best option for those struggling with overwhelming debt. In this blog, you’ll learn what happens if you file for bankruptcy as well as the difference between filing for Chapter 7 and Chapter 13.

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Sawin & Shea

OCTOBER 25, 2023

If you’ve landed in a fiscal jam, you may wonder if you can file bankruptcy on a timeshare. Declaring bankruptcy will discharge most of your debt, including your timeshare ownership Here is all the info you need on timeshare bankruptcies. You and your family can then stay at that property for about one week a year.

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Sawin & Shea

JUNE 21, 2023

Filing for Chapter 13 bankruptcy can help you improve your financial situation. If the bankruptcy court has your Chapter 13 bankruptcy dismissed, you’ll need to refile or find another method for overcoming your debts, such as Chapter 7 bankruptcy. That said, filers cannot discharge all of their debts through Chapter 13.

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Roths Child Law

MARCH 15, 2023

Most people are rather flippant about the prospect of losing a job. Especially when someone has a relatively successful career, the sudden loss of their job could put them at elevated risk of personal bankruptcy. Why do some people end up filing for bankruptcy after losing their jobs?

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Sawin & Shea

APRIL 27, 2021

Filing for bankruptcy is a process. As part of that process, the bankruptcy law requires that you get a certificate that evidences you did a pre-filing counseling session with an approved agency. Debt counseling (also called credit counseling) is required before you can declare bankruptcy. What is pre-discharge counseling?

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Roths Child Law

AUGUST 14, 2023

One common solution to debt is bankruptcy. Here’s what you should know: Should you file for Chapter 7 or Chapter 11 bankruptcy? You might be able to apply for Chapter 7 or Chapter 13 bankruptcy. For many people, Chapter 7 bankruptcy is frequently regarded as their best choice.

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Sawin & Shea

MAY 12, 2021

up to 62% of bankruptcies now include significant medical debt. Many people are turning to medical bankruptcy, which is a bankruptcy that wipes out all bills related to an expensive health situation. If you’re considering bankruptcy to deal with medical debt , here are some important things you should know.

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Roths Child Law

NOVEMBER 13, 2023

Realizing that you should file for bankruptcy may make you wonder about your future. One of the most important things you can do when you figure out that bankruptcy is your next step is to take a deep breath and focus on the fresh financial start you’re getting. Once you file bankruptcy, you’ll likely have a limited budget.

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Sawin & Shea

AUGUST 9, 2022

Bankruptcy can be an overwhelming and challenging process. On top of the stress and worry about your finances and what will happen to your property, there are countless proceedings and tons of paperwork to fill out. Understandably, this can make dealing with a bankruptcy seem impossible. How Does Reaffirmation of Debt Work?

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Sawin & Shea

AUGUST 23, 2023

If you’re stressed about your finances, you’re in good company. If worries about debt resonate with you, again, you’re not alone. With these kinds of figures, it isn’t surprising that we often get the question from clients: Does filing for bankruptcy eliminate debt? How will I get under my debt? And we have the answer.

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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. What Is Chapter 7 Bankruptcy?

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Sawin & Shea

MARCH 7, 2023

Are you wondering how to file bankruptcy Chapter 7? Or if filing for bankruptcy is right for you? If you’re struggling with debt and considering bankruptcy, speaking with a bankruptcy lawyer can help you determine your best options and give you some clarity on how the process works. What is Chapter 7 Bankruptcy?

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Sawin & Shea

FEBRUARY 1, 2023

The time period leading up to filing for bankruptcy is extremely stressful, as you know. Who knows how to get debt collectors to stop calling after bankruptcy? How long after filing for bankruptcy do collectors keep calling? You may be hearing from creditors who will not be affected by your bankruptcy. It is illegal.

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