Sawin & Shea

JULY 15, 2020

When you’re considering Chapter 13 bankruptcy, you’re also wondering how much of your debt you’d be obligated to pay back. Let’s take a look at a debtor’s obligations under Chapter 13 bankruptcy. What Is A Chapter 13 Bankruptcy Plan? What Am I Obligated to Pay in My Chapter 13 Plan?

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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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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

If you are simply struggling to pay your mortgage but are not yet behind on your payment schedule by much, negotiating a loan modification may be a better option. However, if you’re struggling with multiple debts, Chapter 13 bankruptcy could be a great opportunity.

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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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Sawin & Shea

OCTOBER 26, 2022

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 best suits your financial situation.

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Sawin & Shea

FEBRUARY 21, 2024

Because of this, filing for bankruptcy is often one of the only options you may have. Below, we’ll break down how gambling debt fits into Chapter 13 bankruptcy and how you can prepare if gambling bankruptcy is the next step that you need to take. Can You File for Bankruptcy Due to Gambling Debt?

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Sawin & Shea

JULY 8, 2020

Chapter 13 bankruptcy can wipe out most kinds of debts and leave you with a much brighter financial picture. But Chapter 13 can’t discharge all types of debt you’ve taken on. Some debts will remain after your bankruptcy, although you’ll be in a much better position to handle them. Section 523(a)(8).

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Sawin & Shea

FEBRUARY 28, 2023

One of those methods is through a loan modification. In this blog, we’ll share details about loan modification, who is eligible, how to obtain one to stop foreclosure, and how a lawyer for foreclosure can help. Foreclosure is when a lender exercises its right to seize your mortgaged property if you fail to repay your loan.

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Sawin & Shea

AUGUST 24, 2022

If you’re at risk of losing your home, Chapter 13 bankruptcy could be your best option. When you’re going through the process of filing Chapter 13, foreclosure cannot occur because you’re granted an automatic stay, meaning that lenders cannot pursue your debts and recover collateral, including your home.

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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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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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Roths Child Law

MARCH 11, 2022

A bankruptcy can be a good way to get your financial health back on track, but it also comes with some limitations. It may make it so it’s harder for you to get credit or loans in the future, at least for a few years. If you do need a personal loan after your Chapter 7 or Chapter 13 bankruptcy, it may be possible to get it.

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Sawin & Shea

JUNE 16, 2021

Many people assume that because they have filed bankruptcy, their credit is ruined, and they will not be able to qualify for any loans. There are a number of steps you can take to improve your credit score and to make it likely that you can be approved for a loan. This is not true. More on both of those below.).

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Sawin & Shea

JANUARY 25, 2023

Raising interest rates typically slows down the economy as well as the rate of inflation, but these rates have a direct impact on people’s ability to obtain new loans. Here’s what you need to know about getting a new loan and interest rate after bankruptcy. Usually, this is cents on the dollar.

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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. An adjustable-rate mortgage is a home loan that features variable payments. This differs from fixed-rate mortgages, where debtors pay a set interest rate for the entirety of the loan.

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Roths Child Law

JANUARY 23, 2023

For example, it may be harder for you to be approved for loans or credit after filing. If you need a personal loan after filing for bankruptcy , it may be approved. The amount of time it will take to get the loan depends on the type of bankruptcy you choose and how long it has been since you filed.

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Credit Corp

JANUARY 24, 2024

A VA home loan is a mortgage backed by the Department of Veterans Affairs (VA) for service members, veterans, and their families. The purpose of VA loans is to help veterans purchase homes with lower interest rates and better terms. Read on to learn how to get a VA loan with bad credit. What Are the Benefits of a VA Loan?

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Credit Corp

FEBRUARY 23, 2024

That said, the length of time you have to wait before getting approved for a mortgage largely depends on the type of loan you’re shopping for and how you’ve managed your credit. Read on to learn more about buying a house after bankruptcy. How Soon Can You Buy a House After Filing Bankruptcy? A minimum down payment of 3.5%

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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.

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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

JULY 22, 2020

It’s a smart choice to file for Chapter 13 bankruptcy. Your bankruptcy plan will allow you to catch up on payments and settle your debts while giving you a chance to keep your home treasured belongings. If you have a job but you’re struggling to make your payments every month, Chapter 13 can help.

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Sawin & Shea

MARCH 9, 2022

Some examples of unsecured debts include, but are not limited to, repossessions deficiencies, old lease balances, medical bills, cash advance loans, and credit card debts. One major benefit of bankruptcy is that, in Chapter 13 cases, you can still keep your home or car after missing payments.

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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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Roths Child Law

AUGUST 14, 2023

Student loans are one of the primary ways graduates build up debt. Graduates may have received grants and awards to help pay for their education, but many have student loans hanging over their heads. Graduates may have received grants and awards to help pay for their education, but many have student loans hanging over their heads.

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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

MARCH 6, 2024

Understanding Debt Consolidation Debt consolidation is the process of taking out a brand-new loan and using the money to pay off other loans or debts. Pros & Cons of Debt Consolidation Debt consolidation can be great if you qualify for a loan with a low enough interest rate. What kind of debt do you have?

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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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Roths Child Law

JULY 12, 2023

For example, a Chapter 7 to another Chapter 7 bankruptcy typically has an 8-year wait time. Or, a Chapter 7 to a Chapter 13 bankruptcy may require people to wait 4 years. What is liquidation bankruptcy? Liquidation bankruptcy is another name for Chapter 7 bankruptcy.

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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 18, 2023

Bankruptcy fraud is a federal crime, and the penalties are very steep. It is punishable with up to five years in prison and up to $250,000 in fines that the court won’t discharge in bankruptcy. Vacation in Chapter 13 Bankruptcy In Chapter 13 bankruptcy, the court creates a plan that allows you to pay your debt in three to five years.

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Sawin & Shea

APRIL 19, 2023

You’ve probably driven past storefronts with bright lights offering quick cash through payday loans. The companies that offer these short-term loans tout them as a surefire way to get out of a financial bind. Payday loans are incredibly risky. Read on about what payday loans are and why you should think twice before getting one.

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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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Roths Child Law

FEBRUARY 29, 2024

Before filing, you should understand what a personal bankruptcy filing can and cannot do. Personal bankruptcies do not cover all types of debt While Chapter 7 and Chapter 13 bankruptcies can help with many debts, they won’t necessarily cover all of your debts. It depends on what your debts are for.

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Sawin & Shea

AUGUST 24, 2020

Whether or not you file for bankruptcy also depends on the kind of debt you have. 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. What does each one mean?

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Sawin & Shea

MAY 19, 2021

If you are thinking of filing for Chapter 7 or Chapter 13 bankruptcy, or if you have already filed, you may be concerned about how long the bankruptcy will stay on your credit report. The situation is more complicated with Chapter 13 bankruptcy. Create a budget and build an emergency fund.

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