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 15, 2022

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. Chapter 7 bankruptcy is a great option for those looking to discharge eligible debts. Chapter 13 Cramdowns.

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Sawin & Shea

SEPTEMBER 7, 2022

Perhaps the most common misconception is the notion that filing for bankruptcy means that you lose all of your wealth and possessions. When filing for Chapter 7 or Chapter 13 bankruptcy, you’ll qualify for exemptions that allow you to keep some of your money and certain types of personal property.

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Sawin & Shea

MARCH 20, 2024

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. What’s the Difference Between a Tax Attorney and a Bankruptcy Attorney? You deserve a fresh start.

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Sawin & Shea

JANUARY 25, 2023

Why File for Bankruptcy with Rising Interest Rates If you’re struggling with overwhelming debts made worse by increased interest rates, you may want to consider filing for Chapter 13 bankruptcy. Chapter 13 bankruptcy organizes your debts into a repayment plan that lasts three to five years.

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Sawin & Shea

NOVEMBER 15, 2022

In this blog, we discuss situations in which your employer will be notified about your bankruptcy, and we also cover whether or not you can be legally fired for declaring bankruptcy. Will My Employer Be Notified About My Bankruptcy? If a potential employer runs a background check, they’ll discover your bankruptcy.

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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. Their role involves identifying any non-exempt property and selling it to benefit creditors.

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Sawin & Shea

JANUARY 5, 2022

Though filing for bankruptcy is a challenging process, it will go a lot smoother if you look into hiring an attorney to help. Working with a lawyer will help ensure you get the most benefit from your case, and they can answer any questions and help alleviate your concerns. Adding a Creditor After a Chapter 7 Filing.

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Debt Free Colorado

FEBRUARY 17, 2023

Filing Bankruptcy for A Fresh Start in Colorado Whether you’ve lost your job or experienced insurmountable medical expenses on your credit card, or incessant calls from your creditors, you can get a fresh start by declaring bankruptcy. A bankruptcy discharge is a moment when you are no longer liable for any debt.

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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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Sawin & Shea

NOVEMBER 1, 2023

However, while bankruptcy can help, it’s important to understand how the process works, especially concerning your medical debt. At Sawin & Shea, our team of Chapter 7 and Chapter 13 bankruptcy lawyers is here to help. Many Chapter 13 Debtors pay pennies on the dollar back to their unsecured creditors.

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Credit Corp

MAY 3, 2023

Bankruptcy can be complex, and even a small mistake in how you file can substantially change the outcome of your case. It’s typically a good idea to consult an experienced bankruptcy lawyer before you file a bankruptcy petition. What Is Chapter 11 Bankruptcy? What Is Chapter 7 Bankruptcy?

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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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Sawin & Shea

MARCH 13, 2024

It basically serves as a legally binding promise that the person filing for bankruptcy will resume making payments in full and on time to the creditor. Entering a reaffirmation agreement is a way that debtors in a Chapter 7 bankruptcy keep collateral attached to secured debt like houses or cars.

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Sawin & Shea

MARCH 14, 2023

In this blog, we’ll share the details regarding this exemption increase, the different exemption categories, and how these exemptions impact Chapter 7 and Chapter 13 bankruptcy. What Are Bankruptcy Exemptions? Why Did Bankruptcy Exemptions Increase in Indiana?

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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. Fortunately, filing for bankruptcy places an automatic stay on your assets.

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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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Debt Free Colorado

JANUARY 10, 2022

To help you in making an intelligent choice, this blog discusses the different types of bankruptcies along with their pros and cons so you can choose which one best suits your financial situation. Bankruptcy Defined. Bankruptcy is a legal process to discharge debt and starts with a bankruptcy petition filed in court.

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Sawin & Shea

FEBRUARY 16, 2022

An emergency bankruptcy is a bankruptcy filing method that expedites the filing process to stop creditors and bill collectors from seeking debts from borrowers. Individuals can file an emergency bankruptcy, also known as a skeleton bankruptcy, under Chapter 7 and Chapter 13.

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Sawin & Shea

AUGUST 24, 2020

There are many intricacies that set Chapter 7 and Chapter 13 Bankruptcy apart. Chapter 7 Bankruptcy: A petition is filed in the Bankruptcy Court seeking a discharge of most types of debts. Chapter 13 Bankruptcy: Chapter 13 bankruptcy is a reorganization of debts for debtors with regular income.

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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

MARCH 23, 2021

You may still have the option of keeping your car through bankruptcy. 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. Filing for Bankruptcy ASAP.

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Sawin & Shea

MAY 10, 2023

You can keep your home and car and will receive automatic court protection from creditors. Chapter 7 bankruptcy also stops lawsuits and garnishments. Chapter 13 bankruptcy , or reorganization bankruptcy, stops repossessions and foreclosures to save your home or investment.

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Sawin & Shea

FEBRUARY 23, 2022

If you are in the Chapter 13 Bankruptcy process, you have a three-to-five-year reorganization payment plan. This plan will allow for one monthly payment to wrap up most types of debt and will provide you with automatic court protection from your creditors.

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Debt Free Colorado

MARCH 3, 2023

Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. The decision to file for bankruptcy is a significant one, and we are here to assist you in determining whether bankruptcy is the best course of action for your circumstances. What Can’t Bankruptcy Do?

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Sawin & Shea

OCTOBER 20, 2021

However, for some, debts are often so unmanageable and add up over time that two consecutive bankruptcy filings might be necessary. You should only file for successive bankruptcies if truly necessary and with the full intention of following through on the process. Filing Again After Chapter 13 Bankruptcy.

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Sawin & Shea

OCTOBER 20, 2021

However, for some, debts are often so unmanageable and add up over time that two consecutive bankruptcy filings might be necessary. You should only file for successive bankruptcies if truly necessary and with the full intention of following through on the process. Filing Again After Chapter 13 Bankruptcy.

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Sawin & Shea

APRIL 12, 2023

There are five different types of bankruptcy filings, but for clarity’s sake, we’ll be emphasizing Chapter 7 and Chapter 13 bankruptcy-related issues as they are two of the most common ways to file. What is the Difference Between Chapter 7 and Chapter 13? Who Is an Insider?

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Sawin & Shea

AUGUST 11, 2021

Unfortunately, there are rules to follow when it comes to inheritance and bankruptcy, so it’s important not to become blinded by that light. The lawyers at Sawin & Shea have experience at understanding the light in the dark, particularly when it comes to receiving an inheritance amidst a Chapter 7 bankruptcy or a Chapter 13 bankruptcy.

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Sawin & Shea

APRIL 3, 2024

Due to the negative perceptions of bankruptcy, many professionals worry about whether bankruptcy affects their ability to retain professional licenses and certifications. How Will Filing Bankruptcy Impact My Professional License? That said, there are some situations in which your office could learn of your bankruptcy.

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Sawin & Shea

JANUARY 19, 2022

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. You should consult with an attorney before filing your taxes if you plan to file bankruptcy soon after.

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Sawin & Shea

DECEMBER 8, 2021

In this blog, you’ll learn about some of the factors you should take into consideration before filing for bankruptcy. If you’re considering filing for bankruptcy, we encourage you to contact experienced bankruptcy lawyers today. Should I File for Bankruptcy? Call Indiana Bankruptcy Lawyers.

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Sawin & Shea

MARCH 27, 2024

This bankruptcy protection will prohibit a collection agency or another creditor from recovering debt or taking action against you. You’ll also be assigned a trustee to manage your bankruptcy case. The bankruptcy discharge will eliminate your unsecured debts , including unpaid medical bills and credit card debt.

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Sawin & Shea

AUGUST 2, 2023

Many people ask, when should you file for bankruptcy? Bankruptcy Relief Filing for bankruptcy can not only assuage the anxiety and guilt associated with insolvency, but it can provide much-needed relief from creditors’ harassing phone calls. Many people say this is one of the best benefits of filing for bankruptcy.

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Sawin & Shea

JANUARY 21, 2021

If your mortgage company will not work with you on modification terms you can afford, a bankruptcy lawyer may be able to help you use Chapter 13 bankruptcy to save your house and free yourself from worrying about those overdue mortgage payments. So, we do have options in bankruptcy.

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Debt Free Colorado

OCTOBER 12, 2023

We will discuss how to fill out bankruptcy forms in Colorado or any part of the country below. The complicated procedure of filling out bankruptcy documents needs the assistance of Colorado bankruptcy lawyers , like the Law Office of Clark Daniel Dray. You can start over because of that.

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Sawin & Shea

NOVEMBER 2, 2022

First, you should know that choosing bankruptcy is a smart, proactive way of lifting the burden of overwhelming debt. Here in the Hoosier state, more than 15,000 people file for bankruptcy in an average year, with about 58% choosing Chapter 7 and 41% choosing Chapter 13 bankruptcy.

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