Chapter 7 bankruptcy, Lawyers and Unsecured Debt

Questions to Ask a Chapter 7 Bankruptcy Lawyer Before Filing for Bankruptcy

Sawin & Shea

MARCH 7, 2023

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. At Sawin & Shea, LLC, our Chapter 7 Bankruptcy lawyers have helped clients just like you in the Indianapolis and surrounding areas.

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Consumer Debt vs. Non Consumer Debt

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.

Chapter 13 bankruptcy

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What Assets Do You Lose in Chapter 7?

Sawin & Shea

APRIL 10, 2024

Chapter 7 bankruptcy is a great financial solution for those struggling with debt, especially unsecured debts. With Chapter 7 bankruptcy, you as the debtor can discharge most unsecured obligations after liquidating nonexempt assets. What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy

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What Happens to My Personal Loan After Bankruptcy?

Sawin & Shea

OCTOBER 26, 2022

In addition to unsecured personal loans, there are other types of unsecured debts, such as: Medical bills. Credit card debts. Unlike unsecured personal loans, secured loans involve some form of collateral that the lender can repossess if the borrower fails to make payments. Contact Indiana Bankruptcy Attorneys.

Personal loans

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Does Chapter 13 Wipe All of Your Credit?

Sawin & Shea

APRIL 17, 2024

In this blog, we’ll discuss how Chapter 13 usually affects credit scores, and we’ll give you actionable tips to begin rebuilding your credit. If you have additional questions regarding Chapter 13 or Chapter 7 bankruptcy, contact the attorneys at Sawin & Shea, LLC.

Chapter 13 bankruptcy

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Bankruptcy Chapter 7 vs 13: Which Is The Best Option?

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.

Chapter 13 bankruptcy

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Can You Use a Bankruptcy to Stop a Foreclosure?

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?

Foreclosure

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Can You Reaffirm a Debt in Chapter 13?

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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How to Survive the Holidays During Bankruptcy

Sawin & Shea

DECEMBER 7, 2022

When filing for Chapter 13 bankruptcy, your home’s mortgage payments will be restructured into your repayment plan, and creditors will not be able to repossess your home or take legal action against you thanks to the bankruptcy automatic stay. Secured debts refer to debts with collateral, such as a home or car.

Chapter 13 bankruptcy

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When Should You File for Bankruptcy?

Sawin & Shea

AUGUST 2, 2023

Filing for Chapter 7 bankruptcy centers on liquidating assets, while Chapter 13 bankruptcy focuses on reorganization. Unsecured debt includes things like credit card debt, medical debt, and personal loans. While it’s perfectly legal to file for bankruptcy on a ‘pro se’ (i.e.,

Bankruptcy

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What Is the Difference Between Chapter 7, 11, and 13 Bankruptcies?

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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What Should You Know About Medical Debts & Bankruptcy?

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. Simply put, yes, you can file bankruptcy on your medical bills.

Chapter 13 bankruptcy

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What Happens If I Get a Job After Filing Chapter 7?

Sawin & Shea

MARCH 27, 2024

In this blog, we take a close look at ways Chapter 7 bankruptcy affects future or current employment. If you have additional questions, we encourage you to read our online articles about filing bankruptcy. What Is Chapter 7 Bankruptcy? Chapter 7 is often referred to as liquidation bankruptcy.

Chapter 7 bankruptcy

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How Often Can I File for Bankruptcy?

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. Keep in mind that waiting periods are only required if a previous debt was discharged. Filing Successive Chapter 7 Bankruptcy Cases.

Chapter 7 bankruptcy

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How Often Can I File for Bankruptcy?

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. Keep in mind that waiting periods are only required if a previous debt was discharged. Filing Successive Chapter 7 Bankruptcy Cases.

Chapter 7 bankruptcy

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What Happens if I Miss a Payment in Chapter 13?

Sawin & Shea

FEBRUARY 23, 2022

There are a lot of reasons why a Chapter 13 might be the best choice for a person. However, many people who file for Chapter 13 Bankruptcy do so either because they don’t qualify for a Chapter 7 Bankruptcy or because they want to keep their house from being foreclosed upon and their car from being repossessed.

Chapter 13 bankruptcy

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What Debts Are Not Discharged in Bankruptcy?

Sawin & Shea

OCTOBER 11, 2023

What’s the Difference Between Chapter 7 and Chapter 13? Put simply, Chapter 7 is all about liquidation while Chapter 13 is about reorganization. In the case of a Chapter 7 bankruptcy, the court appoints a trustee who is in charge of selling off (liquidating) a declarer’s non-exempt assets.

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Should I Pay Back Family Members or Friends Before Filing for Bankruptcy?

Sawin & Shea

APRIL 12, 2023

Filing for Chapter 7 bankruptcy is centered on liquidating assets while filing for Chapter 13 bankruptcy focuses on reorganization. Chapter 7 looks at assets that you owned at the time you filed. Unsecured debt includes things like credit card debt, medical debt, and personal loans.

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What You Need to Know About Medical Bankruptcy

Sawin & Shea

MAY 12, 2021

Generally speaking, you can use either Chapter 7 or Chapter 13 bankruptcy to accomplish the goal of erasing medical debt. Most medical debt is eligible for discharge in bankruptcy because it’s unsecured debt – debt that’s not secured by something tangible like a vehicle or house.

Bankruptcy

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10 Common Questions About Bankruptcy

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 Debts are Discharged in Bankruptcy?

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Creditor Collections Today

Questions to Ask a Chapter 7 Bankruptcy Lawyer Before Filing for Bankruptcy

Consumer Debt vs. Non Consumer Debt

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What Assets Do You Lose in Chapter 7?

What Happens to My Personal Loan After Bankruptcy?

Does Chapter 13 Wipe All of Your Credit?

Bankruptcy Chapter 7 vs 13: Which Is The Best Option?

Can You Use a Bankruptcy to Stop a Foreclosure?

Can You Reaffirm a Debt in Chapter 13?

How to Survive the Holidays During Bankruptcy

When Should You File for Bankruptcy?

What Is the Difference Between Chapter 7, 11, and 13 Bankruptcies?

What Should You Know About Medical Debts & Bankruptcy?

What Happens If I Get a Job After Filing Chapter 7?

How Often Can I File for Bankruptcy?

How Often Can I File for Bankruptcy?

What Happens if I Miss a Payment in Chapter 13?

What Debts Are Not Discharged in Bankruptcy?

Should I Pay Back Family Members or Friends Before Filing for Bankruptcy?

What You Need to Know About Medical Bankruptcy

10 Common Questions About Bankruptcy

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