Roths Child Law

MARCH 15, 2023

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

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

SEPTEMBER 13, 2023

When you are struggling to pay your bills, there may come a point where you are faced with deciding between bankruptcy vs foreclosure. If you choose bankruptcy, there are also different options depending on whether you choose a Chapter 13 bankruptcy or a Chapter 7 bankruptcy. Bankruptcy vs. Foreclosure: Which is Worse?

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Troutman Sanders

MARCH 2, 2022

On February 28, the Consumer Financial Protection Bureau (CFPB or Bureau) issued a bulletin and accompanying press release , highlighting an issue that the agency has written about frequently over the past several years: inadvertent repossessions. Failing to cancel active repossession orders when a consumer files for bankruptcy.

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Sawin & Shea

DECEMBER 28, 2023

Filing for Chapter 13 bankruptcy can provide much-needed relief if you are overwhelmed with debt and struggling to keep up with payments. While this type of bankruptcy comes with unique advantages, it also does not fit into every situation. What Is Chapter 13 Bankruptcy? Pros of Filing Chapter 13 Bankruptcy 1.

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Sawin & Shea

JANUARY 18, 2023

If you’re struggling with overwhelming debts, Chapter 7 bankruptcy could be your best option. Chapter 7 is the most common form of bankruptcy for individuals and families, and it allows you to discharge many of your unsecured debts within only a few months. What is Chapter 7 Bankruptcy?

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Sawin & Shea

MARCH 20, 2024

You may be wondering whether you should opt for a tax attorney or a bankruptcy attorney. If you’re worried about garnishments, foreclosures , lawsuits, repossessions , or other consequences of your debt, connect with an experienced bankruptcy lawyer at Sawin & Shea as soon as possible. You deserve a fresh start.

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Sawin & Shea

MAY 26, 2020

Hi, I’m Andrew Sawin, an attorney at Sawin and Shea Bankruptcy Law Office. I’m here to talk to you today about repossessions. I know currently with this current COVID-19 crisis, many car lenders have voluntarily suspended repossessions. There is no state mandate keeping them from repossessing cars.

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Nerd Wallet

JULY 9, 2021

The moment a consumer files for bankruptcy, such as Chapter 7 or Chapter 13, an automatic stay typically takes effect immediately. The automatic stay temporarily halts most judgments, collection activities, foreclosures and repossessions of the consumer’s property, which is known as the bankruptcy estate.

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Sawin & Shea

AUGUST 30, 2023

What is Bankruptcy? Bankruptcy is an opportunity for someone to forge their way through what seems like an impossible debt-ridden situation and come out the other side. Although businesses can also declare bankruptcy, we will focus on personal bankruptcy in this article. Which Debts Cannot be Discharged in Bankruptcy?

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Sawin & Shea

FEBRUARY 22, 2023

Fortunately, Chapter 13 bankruptcy offers debt relief and a solution for stopping mortgage servicers from repossessing your home. Saving Your Home From Foreclosure Through Chapter 13 Bankruptcy Chapter 13 bankruptcy offers a solution if you’ve fallen behind on monthly mortgage payments.

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Roths Child Law

MAY 11, 2021

When you fall behind on payments, the lender who financed the purchase might decide to repossess the vehicle. How does repossession work? Repossession usually starts with the lender warning and then formally notifying the vehicle owner about arrears on their payments.

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Sawin & Shea

JANUARY 11, 2024

Bankruptcy filings for both individuals and businesses are on the rise. Since 2005, a debtor education course from an approved provider is mandatory for anyone who files for bankruptcy. In short, they prepare you for the challenges that come with rebuilding your finances after bankruptcy.

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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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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

FEBRUARY 9, 2022

Filing for chapter 13 bankruptcy can seem like a daunting task, but it’s often the right move for those who are facing foreclosure, repossession, or have exorbitant debts. If you’re thinking of filing for chapter 13 bankruptcy, you may have questions regarding how it will impact your credit score.

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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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Troutman Sanders

OCTOBER 15, 2020

Specifically, the CFPB alleged that Nissan violated the Act in four ways: By repossessing vehicles between 2013 and 2020 even though customers had already made payments or taken action that should have prevented repossession; By requiring customers to pay a $7.95 Nissan also agreed to non-monetary relief as part of the Order.

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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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Troutman Sanders

FEBRUARY 16, 2024

Bankruptcy Court for the District of Iowa, absent a plan provision providing otherwise, those funds revert to the debtors. Apparently, three years prior to the bankruptcy filing, the debtors had a vehicle repossessed by the bank. According to the U.S. Two months later, the trustee received a check in the amount of $4,883.43.

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Sawin & Shea

JULY 19, 2023

If you find yourself in an untenable financial situation, bankruptcy may be your best option. Chapter 7 bankruptcy , or liquidation bankruptcy, allows you to discharge all or most of your debt. Chapter 7 bankruptcy also stops lawsuits and wage garnishments. Will My Employer Find Out About My Bankruptcy Filing?

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Roths Child Law

APRIL 10, 2023

Fortunately, personal bankruptcy can help get a fresh start by either discharging or restructuring your debts. bankruptcy laws, however, is to help individuals acquire better money management skills. State Department of Justice before kick-starting the bankruptcy process. One of the goals of the U.S.

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Roths Child Law

MAY 11, 2021

When you fall behind on payments, the lender who financed the purchase might decide to repossess the vehicle. How does repossession work? Repossession usually starts with the lender warning and then formally notifying the vehicle owner about arrears on their payments.

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Sawin & Shea

NOVEMBER 24, 2021

However, though bankruptcy can seem scary, it is an option and one that can genuinely help you get back on your feet. There are benefits when you file for bankruptcy that protect you. An automatic stay is a fundamental part of bankruptcy that protects debtors from creditor actions. What Does an Automatic Stay Do?

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Sawin & Shea

NOVEMBER 24, 2021

However, though bankruptcy can seem scary, it is an option and one that can genuinely help you get back on your feet. There are benefits when you file for bankruptcy that protect you. An automatic stay is a fundamental part of bankruptcy that protects debtors from creditor actions. What Does an Automatic Stay Do?

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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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Debt Free Colorado

OCTOBER 12, 2023

What Our Bankruptcy Attorneys Can Help With When Filing Bankruptcy in Colorado Financial burdens and the possibility of a new beginning can trigger various emotions. If you have already decided to file for bankruptcy, it is crucial to tackle this challenging undertaking with a balanced mentality.

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Roths Child Law

JANUARY 31, 2023

If these options are not possible, you may consider filing for bankruptcy. No matter how you handle it, bankruptcy can have a lasting impact on your life. If you handle it right, bankruptcy can give you the relief you need to get back on your feet financially. And if you mismanage it, bankruptcy can compound your financial woes.

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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. Bankruptcy dismissals have nothing to do with unloading debts.

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Roths Child Law

APRIL 30, 2021

Many consumers who find themselves unable to pay their bills look to different debt relief options to gain a fresh financial start, including bankruptcy. Chapter 7 bankruptcy can provide you with that clean financial slate that you're looking for where you can wipe away most of your debts. People often hesitate to file, however.

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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. Let’s take a look at some specific reasons why you may want to pursue a liquidation bankruptcy. Typically, you’ll receive a stay of debt collection activities as soon as a judge receives your bankruptcy petition.

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Debt Free Colorado

MARCH 10, 2023

Learn about the Five Bankruptcy Myths in Littleton, Colorado Due to worries stoked by myths and misconceptions about bankruptcy, many people choose not to obtain debt relief. Truth be told, declaring bankruptcy may be one of the best decisions you’ve ever made for your present, future, and family.

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Sawin & Shea

MAY 10, 2023

If you’ve found yourself in a precarious financial situation and overwhelmed with debt you can’t repay, bankruptcy may be your best option. You may be reluctant to declare bankruptcy because you fear it will wipe out your hard-earned retirement savings. Chapter 7 bankruptcy also stops lawsuits and garnishments.

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Sawin & Shea

MAY 26, 2021

If you’re married and considering bankruptcy in Indiana, you’re probably wondering whether you can file alone and how this could impact your spouse. This is one of the most common questions for bankruptcy attorneys. Yes, you can file bankruptcy without your spouse. This is good news for Indiana residents.

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Sawin & Shea

JUNE 14, 2023

Because so many struggle financially after divorce, it’s common for individuals to declare bankruptcy before or after their marital dissolution. Here’s what you need to know about bankruptcy and divorce. Should I File Bankruptcy Before or After Divorce?

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Roths Child Law

OCTOBER 1, 2021

When hard times hit, declaring bankruptcy may be the most sensible thing to do. Essentially, bankruptcy is a legal process that is designed to provide debt relief for individuals or businesses that are unable to pay their bills. Bankruptcy is meant to help honest people who find themselves in difficult debt situations. .

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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. Have additional questions regarding bankruptcy or reaffirming secured debts? Who Is Eligible for Chapter 7 Bankruptcy?

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