Sawin & Shea

SEPTEMBER 20, 2023

If you’re in a financial bind, your best option might be to seek a fresh start through Chapter 7 bankruptcy. In most cases, you don’t forfeit your home when you file for Chapter 7 bankruptcy. What is Chapter 7 Bankruptcy? The post Can I Keep My Home in a Chapter 7 Bankruptcy?

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Debt Free Colorado

FEBRUARY 24, 2025

Say goodbye to credit card stresssee if Chapter 7 bankruptcy is your solution. Chapter 7 bankruptcy can help clear debt and give you a fresh start. A Greenwood Colorado bankruptcy attorney can explain your options and make sure you dont risk losing assets you want to keep.

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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.

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Sawin & Shea

MARCH 7, 2023

At Sawin & Shea, LLC, our Chapter 7 Bankruptcy lawyers have helped clients just like you in the Indianapolis and surrounding areas. What is Chapter 7 Bankruptcy? When you file a Chapter 7 bankruptcy, it is only your unsecured debts that will be eligible for discharge.

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Sawin & Shea

SEPTEMBER 27, 2023

If you are a victim of debt collector harassment, it’s important to know the debt collection laws, and consider your options for debt relief. However, the process of going through Chapter 7 can be complicated and stressful to ensure you can keep what you need to continue living your life even after bankruptcy.

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Debt Free Colorado

DECEMBER 7, 2016

Chapter 7 bankruptcy may seem intimidating, but as you can tell from the following infographic, the steps that go into successfully completing your case are pretty straightforward. For those of you who may not be able to view the image, the text follows: Chapter 7 Bankruptcy Timeline. 13 bankruptcy.

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Sawin & Shea

OCTOBER 26, 2022

Discharging Personal Loans Through Chapter 7 Bankruptcy. Whether or not you should discharge a personal loan in Chapter 7 bankruptcy will depend on if the loan is secured or unsecured. A bankruptcy filer can also discharge an unsecured personal loan when there’s a lawsuit revolving around it.

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Roths Child Law

NOVEMBER 16, 2022

While the end result of any form of bankruptcy is to relieve debt, Chapter 7 and Chapter 13 bankruptcy work differently from each other, which causes much confusion. Here’s what you should know: What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy?

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Sawin & Shea

JULY 29, 2020

However, here is some good news: You actually can eliminate and/or get some immediate relief from some tax debts in bankruptcy under certain circumstances. In bankruptcy you can discharge federal income taxes only if: You filed tax returns for at least two years before filing for bankruptcy and they were timely.

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Troutman Sanders

JANUARY 29, 2024

Bankruptcy Court for the Southern District of Florida disagreed and entered an award of sanctions in the total amount of $64,686.93 — including $10,000 for emotional distress and over $21,000 in punitive damages. As background, in 2002, the debtor and her then-spouse jointly filed a “no asset” Chapter 7 bankruptcy petition.

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Sawin & Shea

JANUARY 19, 2022

However, once you file, an automatic stay will go into effect, which will put a pause on IRS collection efforts. After you file, it is possible that your tax debt will get discharged, but it depends on your individual circumstances and which type of bankruptcy you file. Filing Taxes After Chapter 7.

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Sawin & Shea

AUGUST 18, 2021

There are two circumstances in which your employer could find out about your Chapter 7 bankruptcy: In a Chapter 7 bankruptcy, your employer would know only if you were already having your wages garnished by creditors (called wage attachment). A bankruptcy, however, is a matter of public record.

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Collection Industry News

APRIL 4, 2025

For additional conference information, visit[link] The post April Consumer Chapter 7 Bankruptcy Filings Increase 16 Percent from Previous Year appeared first on Collection Industry News. For additional information on ABI, visit www.abi.org.

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Credit Corp

MAY 3, 2023

However, we’ve provided some basic answers below to the question, “What is the difference between Chapter 7, 11, and 13 when it comes to bankruptcy?” In This Piece Understand the Types of Bankruptcy How Do You Know Which Bankruptcy Type is Right for You? What Is Chapter 11 Bankruptcy?

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Debt Free Colorado

DECEMBER 9, 2021

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. Chapter 7 (Liquidation). Advantages of Chapter 7 Bankruptcy. Disadvantages of Chapter 7 Bankruptcy.

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Debt Free Colorado

JUNE 18, 2024

You may be considering Chapter 7 bankruptcy. Consulting with a Chapter 7 bankruptcy attorney in Boulder, CO, can help determine if it is the right solution. Our blog will provide a general overview of Chapter 7 bankruptcy. Filing for Chapter 7 bankruptcy triggers an automatic stay.

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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. Put an end to creditor collection activities. Put an end to creditor collection activities.

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Burr Forman

MAY 1, 2023

The Seventh Circuit held that the plaintiff, a Chapter 7 bankruptcy debtor, did not allege a concrete injury where he asserted that the defendant's collection letters "confused," "scared," and "alarmed" him.

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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. Today’s information is really about credit reporting during and after your bankruptcy.

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Sawin & Shea

OCTOBER 20, 2021

Filing Again After Chapter 7 Bankruptcy. If you plan to file again after previously filing a Chapter 7 bankruptcy the following time limits apply. Filing Successive Chapter 7 Bankruptcy Cases. Filing Chapter 13 After a Chapter 7 Bankruptcy.

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Sawin & Shea

OCTOBER 20, 2021

Filing Again After Chapter 7 Bankruptcy. If you plan to file again after previously filing a Chapter 7 bankruptcy the following time limits apply. Filing Successive Chapter 7 Bankruptcy Cases. Filing Chapter 13 After a Chapter 7 Bankruptcy.

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Sawin & Shea

MAY 24, 2023

Chapter 7 bankruptcy (the most common form of bankruptcy ) essentially wipes away a large portion of your unsecured debts and protects certain assets you may possess. But many people don’t know that there is a test to qualify for Indiana Chapter 7 bankruptcy. What is the Indiana Bankruptcy Means Test?

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Roths Child Law

AUGUST 2, 2024

Two common forms of bankruptcy include Chapter 7 and Chapter 13. Chapter 7 bankruptcy is a popular choice because it can resolve most forms of debt for people who have almost no means of resolving their debt by themselves. However, very few people need to liquidate assets to appease creditors.

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Debt Free Colorado

JANUARY 10, 2022

Individuals and corporations can choose this option, but they must pass the Chapter 7 Means Test to calculate their monthly discretionary income. They can file for Chapter 7 if their disposable income is low enough. Advantages and Disadvantages of Bankruptcy Chapter 7.

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Collections Law

SEPTEMBER 10, 2021

There is no question that a bankruptcy filing can frustrate your attempt to collect on a debt from another business in Massachusetts. You may still receive some payment through bankruptcy, even if you cannot collect on the entire amount the business owes you. You should not give up, though. At Law Offices of Alan M.

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Roths Child Law

MAY 7, 2023

The goal of bankruptcy is to provide debtors with a fresh start financially while also helping to ensure that creditors receive some repayment for their debts. Liquidation vs. reorganization Chapter 7 bankruptcy is known as liquidation bankruptcy. This stops virtually all collection actions from creditors.

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Sawin & Shea

AUGUST 24, 2020

Bankruptcy can also stop or delay a home or mortgage foreclosure, stop collection actions, stop garnishments and lawsuits. What Do the Various Kinds of Bankruptcy Entail? There are many intricacies that set Chapter 7 and Chapter 13 Bankruptcy apart. What does each one mean?

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Direct Recovery

AUGUST 27, 2021

But at the end of the day, the numbers show that bankruptcy is way more common here in the Golden State than anywhere else in the country. Chapter 7 Bankruptcy Rates in California. Chapter 7 bankruptcy deals exclusively with unsecured debt. This is the most common chapter for individuals.

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Sawin & Shea

MAY 8, 2024

However, dealing with financial hardships like bankruptcy can make that dream seem out of reach. But, Can You Buy a House After Chapter 7 with a Co-Signer? If you’ve gone through a Chapter 7 bankruptcy , you may be wondering if homeownership is still possible for you, especially if your credit has taken a major hit.

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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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Albuquerque Law

JANUARY 13, 2022

These factors – as well as many others – could in fact impact the time of year you file bankruptcy. This is why it is often beneficial to consult experienced counsel when considering Chapter 7 bankruptcy or another chapter, so you can ensure you are eligible and move forward strategically to secure your financial future.

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Debt Free Colorado

JANUARY 20, 2024

Chapter 7 Bankruptcy In Chapter 7 bankruptcy , eligible unsecured debts, including medical bills, may be discharged. To sum up the process of Chapter 7 bankruptcy : The bankruptcy trustee may liquidate non-exempt assets to repay creditors.

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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. We Can Help.

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Sawin & Shea

JULY 28, 2021

If you file for Chapter 13 Bankruptcy in Indiana, you will still be obliged to pay something toward your debts; it’s just that you will be given a payment plan that reduces your unsecured debts based upon your ability to pay, that puts you on a manageable schedule, and that holds your creditors at bay while you work on making achievable payments.

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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

SEPTEMBER 6, 2023

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. What to Do to Stop Foreclosure? Should I See an Attorney?

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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. How Are Utility Bills Handled in Chapter 7 Bankruptcy?

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