Sawin & Shea

OCTOBER 13, 2021

Chapter 13 bankruptcy offers the option of lien stripping. If you’re filing or considering filing for Chapter 13, you need to be aware of the process and advantages of lien stripping. Chapter 13 lien stripping can be beneficial to your financial situation and may even help you save your home.

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Roths Child Law

APRIL 6, 2023

However, if you’re struggling with multiple debts, Chapter 13 bankruptcy could be a great opportunity. After you file, most collections actions will be halted, and you’ll be given the opportunity to put a manageable repayment plan into place. You’ll also be able to start working toward a brighter financial future.

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Sawin & Shea

OCTOBER 13, 2021

Chapter 13 bankruptcy offers the option of lien stripping. If you’re filing or considering filing for Chapter 13, you need to be aware of the process and advantages of lien stripping. Chapter 13 lien stripping can be beneficial to your financial situation and may even help you save your home.

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Roths Child Law

DECEMBER 28, 2021

When you file for a Chapter 13 bankruptcy in Nashville, you likely will not receive a discharge until the completion of your repayment plan. Since Chapter 13 lasts for three to five years, one or more financial circumstances may arise to interfere with your repayment plan. Is a hardship discharge an option?

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Sawin & Shea

JANUARY 18, 2024

Financial challenges can be overwhelming, and seeking relief through Chapter 13 bankruptcy is a viable option for many. As you think about filing bankruptcy, it’s crucial to understand the interaction between Chapter 13 and car loans. What is Chapter 13 Bankruptcy?

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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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Roths Child Law

MAY 13, 2024

In a Chapter 7 scenario, if a homeowner is behind on their mortgage payments, their bankruptcy filing should temporarily stop the foreclosure process due to the automatic stay—a legal provision that halts creditors from collecting debts temporarily. Nevertheless, this relief will be short-lived.

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Sawin & Shea

SEPTEMBER 14, 2022

When filing Chapter 7 or Chapter 13 bankruptcy, it’s critical to understand the difference between consumer debt and non-consumer debt. If you’re considering filing Chapter 7 or Chapter 13 bankruptcy, consider enlisting the help of skilled bankruptcy attorneys. What is Consumer Debt?

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Sawin & Shea

MARCH 2, 2021

Considering Chapter 13 bankruptcy? Chapter 13 bankruptcy takes a bit longer than Chapter 7, but it may be the best plan for you. Let’s look at the factors that determine how long a bankruptcy takes so you can get an idea of your bankruptcy’s timeframe.

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Debt Free Colorado

JANUARY 20, 2024

Bankruptcy is a legal process designed to help people overcome financial challenges. It comes in different forms, notably Chapter 7 and Chapter 13. How Does Chapter 7 and 13 Bankruptcy Affect My Medical Bills? Chapter 7 and Chapter 13 bankruptcies can have different effects on medical bills.

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Sawin & Shea

SEPTEMBER 6, 2023

These include declaring Chapter 7 or Chapter 13 bankruptcy. While both are good options to stop foreclosure (or postpone), in this blog we’ll focus on Chapter 13. Unlike Chapter 7 bankruptcy, Chapter 13 does not require the filer to liquidate all their assets (including their home) to pay off creditors.

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Debt Free Colorado

DECEMBER 9, 2021

Consider your income, assets, creditors, expenditures, and your ability to pass the means test while selecting between Chapter 13 and Chapter 7. You should get legal assistance from a knowledgeable bankruptcy attorney in Denver. The United States Bankruptcy Code governs both chapter 7 and chapter 13 bankruptcy.

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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. Read on to learn more. It’s also common!

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Sawin & Shea

AUGUST 30, 2023

Chapter 13 Bankruptcy is a Federal Bankruptcy Court-sanctioned debt reorganization plan. It works through reorganization, as opposed to liquidation, and you do not have to pass the Chapter 7 means test. Under Chapter 13 Bankruptcy, you have time and a plan in which to repay your debts.

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Sawin & Shea

OCTOBER 26, 2022

A variety of factors determine whether or not you’ll be able to discharge all of certain personal loans, including whether the loan is secured or unsecured and whether you file via Chapter 7 or Chapter 13 bankruptcy. Discharging Personal Loans Through Chapter 13 Bankruptcy.

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Credit Corp

MAY 3, 2023

In This Piece Understand the Types of Bankruptcy How Do You Know Which Bankruptcy Type is Right for You? What Is Chapter 11 Bankruptcy? What Is Chapter 7 Bankruptcy? What Is Chapter 13 Bankruptcy? Should You File for Bankruptcy? What Is Chapter 13 Bankruptcy?

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Sawin & Shea

MARCH 6, 2024

It provides a way for debtors to either liquidate non-exempt assets (most cases result in a no-asset finding, meaning people keep everything they have) to pay off creditors and eliminate remaining debts (Chapter 7 bankruptcy) or to reorganize their finances and debts into a multi-year repayment plan (Chapter 13 bankruptcy).

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Sawin & Shea

FEBRUARY 2, 2021

Your Credit Report as Part of Your Bankruptcy. After your Chapter 7 bankruptcy discharge or Chapter 13 bankruptcy period, your bankruptcy attorney will request permission to pull and review your credit report. It’s a way to make sure that you’re receiving the full benefits of your bankruptcy.

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Sawin & Shea

AUGUST 24, 2020

Bankruptcy will wipe out credit card debt, medical bills, and personal loans, but will not eliminate primary obligation debt; things like student loans, child and spousal support, and newer tax debt. Bankruptcy can also stop or delay a home or mortgage foreclosure, stop collection actions, stop garnishments and lawsuits.

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Roths Child Law

JULY 17, 2023

People are often grateful for the relief provided by the automatic stay that the court grants when they file for bankruptcy. If an individual obtains a Chapter 7 bankruptcy discharge, their credit report will typically show that for a full decade after the discharge.

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Sawin & Shea

MARCH 20, 2024

A bankruptcy attorney helps someone clarify and organize their finances while getting most types of debt discharged. They usually assist people with pursuing the common routes of Chapter 7 bankruptcy or Chapter 13 bankruptcy to address tax debt. Can a Bankruptcy Lawyer Help Me Resolve Tax Debt?

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Sawin & Shea

OCTOBER 20, 2021

This shorter period is likely because most individuals who file Chapter 13 will still have to pay some debts back through a payment plan rather than having it entirely discharged. Filing Again After Chapter 13 Bankruptcy. Filing Successive Chapter 13 Bankruptcy Cases.

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Sawin & Shea

OCTOBER 20, 2021

This shorter period is likely because most individuals who file Chapter 13 will still have to pay some debts back through a payment plan rather than having it entirely discharged. Filing Again After Chapter 13 Bankruptcy. Filing Successive Chapter 13 Bankruptcy Cases.

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Sawin & Shea

MARCH 23, 2021

Bankruptcy Offers a Way to Keep Your Vehicle. Chapter 13 bankruptcy , also known as a reorganization bankruptcy, stops a car repossession in its tracks using something known as the automatic stay. You stay under the court’s protection, which continues to stop collection efforts until the end of your bankruptcy.

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Sawin & Shea

OCTOBER 27, 2021

The INCAA survey also found that medical debts were most likely to be in collections. Out of the reported debt statistics, 35% of all debts in collections were medical, which surpassed other forms of debt. 25% of debts in collections were credit card related, and 20% were student loan debts. Bankruptcy Code.

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Sawin & Shea

FEBRUARY 28, 2024

A variety of factors determine if you’ll be able to discharge all of certain personal loans, including whether the loan is secured or unsecured and whether you file via Chapter 7 or Chapter 13 bankruptcy. Chapter 7 will remain on credit reports for ten years and Chapter 13 bankruptcies remain for seven years.

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Sawin & Shea

APRIL 26, 2023

If the court rules in their favor, the creditor can file a judgment lien against you, which means that the court has permitted them to forcefully collect that debt from you. If that’s not possible for you, another option is to avoid it through Chapter 7 or Chapter 13 bankruptcy court.

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Sawin & Shea

NOVEMBER 17, 2021

This gives you time to get your bankruptcy case started to avoid this from happening. When you file for bankruptcy, an automatic stay goes into effect, which immediately halts collection efforts. This means that your outstanding utility debts will likely be wiped out at the end of your bankruptcy.

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Sawin & Shea

NOVEMBER 17, 2021

This gives you time to get your bankruptcy case started to avoid this from happening. When you file for bankruptcy, an automatic stay goes into effect, which immediately halts collection efforts. This means that your outstanding utility debts will likely be wiped out at the end of your bankruptcy.

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Debt Free Colorado

JANUARY 10, 2022

Filing a Chapter 7 bankruptcy is not costly. Bankruptcy instantly halts collection efforts, judgements, and repossessions and allows an opportunity to renegotiate or be forgiven. All creditors must now go through your bankruptcy attorney or the court-appointed trustee. Advantages of Filing Chapter 13.

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Sawin & Shea

APRIL 6, 2021

Plenty of people file for bankruptcy each year — possibly including your friends and family, even if they didn’t tell you about it. In recent years, just over 750,000 Americans per year have filed for Chapter 7 , Chapter 11, or Chapter 13 bankruptcy. Thinking Employed People Do Not Need Bankruptcy.

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Sawin & Shea

JUNE 7, 2023

Cosigner Responsibilities: Bankruptcy and Debt Collection If a primary borrower declares bankruptcy, the co-signer associated with the debt may be responsible to pay back creditors, but this will depend on the type of bankruptcy that the primary debtor filed.

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Direct Recovery

AUGUST 27, 2021

.” Through May of 2021, the state of California had recorded just short of 250 chapter 11 bankruptcy filings for the year. Chapter 13 Bankruptcy Rates in California. Make sure that you are factoring these numbers for any credit or collection activities you conduct in California throughout the next few months.

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Sawin & Shea

JANUARY 18, 2023

In that case, the bankruptcy court will recommend that you declare Chapter 13 bankruptcy , which consolidates your debts into a three-to-five-year repayment plan. What Happens After You File Chapter 7 Bankruptcy? Additionally, your creditors will not be allowed to contact you.

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Sawin & Shea

JANUARY 11, 2024

In short, they prepare you for the challenges that come with rebuilding your finances after bankruptcy. Understanding Chapter 7 vs. Chapter 13 Bankruptcy There are 6 types of bankruptcy, but two of the most common types are Chapter 7 and Chapter 13.

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Sawin & Shea

MARCH 13, 2024

Reaffirming Debt in Chapter 13 Bankruptcy Chapter 13 bankruptcy involves consolidating your different forms of debt into a three-to-five-year repayment plan. There is a Chapter 13 Plan that controls how various debts are treated.

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Sawin & Shea

JULY 12, 2023

Once you’ve filed your bankruptcy petition, creditors will no longer be able to take any action to collect debts against you. You’ll even have protection from collection calls and other forms of aggressive communication. Additionally, the bankruptcy court will assign a trustee for your case.

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