Sawin & Shea

SEPTEMBER 6, 2023

People file for bankruptcy for any number of reasons, from job loss to unpaid medical bills to an unaffordable mortgage. If you’re considering filing for bankruptcy, you’re not alone; roughly 375,000 people filed for bankruptcy in 2022, and home foreclosure filings rose 115% in 2022 over the number of foreclosures in 2021.

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Sawin & Shea

MARCH 13, 2024

A reaffirmation agreement is a document that re-obligates a debtor to repay a particular debt, such as a car loan, mortgage, or other loan type. Entering a reaffirmation agreement is a way that debtors in a Chapter 7 bankruptcy keep collateral attached to secured debt like houses or cars. The Plan controls how those debts are handled.

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Nexa Collect

AUGUST 8, 2020

Skip tracing techniques allow agents to track down debtors that have “skipped” out on their debts and are no longer reachable. Debtors Are More Likely to Pay A Collection Agency. When a debt passes from the original creditor to a collection agency, this escalation often makes debtors pay attention.

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Nexa Collect

JULY 28, 2020

Skip tracing techniques allow agents to track down debtors that have “skipped” out on their debts and are no longer reachable. Debtors Are More Likely to Pay A Collection Agency. When a debt passes from the original creditor to a collection agency, this escalation often makes debtors pay attention.

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Sawin & Shea

APRIL 10, 2024

With Chapter 7 bankruptcy, you as the debtor can discharge most unsecured obligations after liquidating nonexempt assets. For experienced bankruptcy lawyers in Indiana, contact Sawin & Shea, LLC. In this blog, we discuss what assets and property a debtor may lose in Chapter 7 bankruptcy. What Is Chapter 7 Bankruptcy?

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Debt Free Colorado

JANUARY 27, 2022

Some people swear they’ll never file bankruptcy, while others regularly use it as a tool. Why do people file for bankruptcy? But why do so many people find themselves in financial trouble? Additionally, creditors may take such property if a judgement against the debtor is entered. Non-Exempt Assets.

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Sawin & Shea

AUGUST 2, 2023

Many people ask, when should you file for bankruptcy? Some people may be overwhelmed with credit card debt, especially those who spend more than 20% of their annual net income on credit card bills, have maxed out limits on several cards, and/or can only afford to pay the minimum on credit card bills. When Should I Contact an Attorney?

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The Kaplan Group

AUGUST 29, 2021

Unfortunately, debt collector harassment is a serious issue that affects many people. Most people go into debt with genuine intentions to pay it back or because we had recently gone through an unexpected event. Such situations may warrant speaking with a personal injury lawyer. There is no excuse for credit or harassment.

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Payment Savvy

MAY 5, 2021

Most people think that payment processing for law firms is a simple and straightforward process. A trust account is a bank account used to receive payments received by clients or debtors. An issuing bank is an institution extending credit to a client or debtor in the form of a credit or debit card.

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Sawin & Shea

MARCH 16, 2021

It’s expected to impact 1 in 4 adult Americans, or 70 million people , who have at least one bill in collections. Although debt collectors can contact debtors in new ways, people can also opt-out of being contacted entirely. A new rule will soon allow debt collection messages through social media. Or at least that’s the plan.

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Sawin & Shea

FEBRUARY 7, 2024

It is not generally recommended that Debtors take on the task of presenting a bankruptcy case pro se, that is without an attorney. While you can technically file bankruptcy for free without a lawyer, it’s important to retain one if possible. You may also wonder whether you can file bankruptcy, no money down. The short answer is “yes.”

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Debt Recoveries

APRIL 28, 2020

Recently we have been focussing on how to reduce your credit risks, promote cash flow deal with debtors during the COVID-19 crisis. However it remains a possibility that with some debtors, legal action may be the only the only course of action to secure your recovery. and we know the debtor or company have assets to satisfy the debt.

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Sawin & Shea

SEPTEMBER 14, 2022

With consumer debts, co-debtors receive the protection of an automatic stay. If you’re a co-signer or co-debtor on a business property, such as a rental home, the automatic stay doesn’t protect you from lenders, so they can repossess the property. How Does Consumer and Non-Consumer Debt Impact Your Chapter 7 Bankruptcy Filing?

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Debt Free Colorado

FEBRUARY 21, 2022

We’ve helped tens of thousands of people not only get through bankruptcy but also get the financial independence they needed to go on with their lives. How the State of Colorado Protects Its People From Debt Collectors? Under the UCCC, consumers can take legal action against debtors. Repeatedly call you.

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FFGN COLLECT NY

NOVEMBER 21, 2022

Seeking replevin is common and used by debt collection lawyers to recover goods or collateral for their clients. When most people think of taking back goods or other collateral, they think of the “repo man” breaking in and repossessing a vehicle in the dead of night without a court order or sheriff tagging along.

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Collection Industry News

SEPTEMBER 8, 2020

Debt collection means requiring debtors to pay creditors outstanding due or overdue amount or property as obligated by a contract or by a decision of a competent State’s authority. 104/2007/ND – CP, which is prohibited under the Investment Law 2020, lawyers and law firms are able to practice debt collection as a professional field.

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Credit Corp

MAY 3, 2023

It’s typically a good idea to consult an experienced bankruptcy lawyer before you file a bankruptcy petition. People can end up in this situation for a number of reasons. In other cases, people have unplanned expenses such as medical bills that can put them over the edge financially.

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Debt Free Colorado

MARCH 3, 2023

Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. Through a legal process called bankruptcy, some people who are unable to pay their debts can start over financially, either temporarily or permanently. We recognize that you have many questions and that you want them all answered.

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Credits Inc

DECEMBER 3, 2019

Time saved this way can even be used working on improved credit procedures to help prevent future debtors from abusing your current system. They’re trained in professional collection techniques and know-how best to get through to debtors. The threat of this alone is often enough for people to set up payment plans. near you.

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Sawin & Shea

JULY 13, 2022

The majority of people in Indiana who have thought about declaring bankruptcy likely already know how challenging it is to get student loans erased. Although it is not impossible, debtors normally need to pass the Brunner test, which establishes that repaying the student loans will put them in an unreasonably difficult position.

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Taurus Collect

DECEMBER 30, 2022

It can be intimidating for many people to deal with debtors or collectors. Therefore, we recommend you hire a third party, like a financial advisor or lawyer, to help with the debt settlement. Hire a third party for help.

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Sawin & Shea

MARCH 27, 2024

The sad reality is that many people hold misconceptions regarding bankruptcy filers. You’re not required to have legal representation in the meeting, but it’s best to have a bankruptcy lawyer to support and assist you. For assistance from a bankruptcy lawyer in Indiana, contact Sawin & Shea LLC.

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Sawin & Shea

APRIL 17, 2024

This means that unsecured creditors, such as credit card companies, won’t receive what the debtor owes. A bankruptcy lawyer can help you find a creditor who’s willing to work with you, and they’ll file a motion to receive permission from the court and the bankruptcy trustee.

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Sawin & Shea

APRIL 12, 2023

Many people are fortunate enough to have family or friends who are willing to help them in times of financial instability. In fact, doing so could actually hurt the people that trusted you would repay them. So should you pay back your family and friends before filing for bankruptcy? The shortest answer to this question is no.

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Credits Inc

OCTOBER 26, 2019

Creditors give loans to millions of citizens, and thus credit companies are too busy to follow up on the debtors. Debt collection agencies communicate to debtors via calls, letters, or emails. The debtor does not communicate to the creditor, but instead, they agree with the agency on how the payment will be made.

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PBWT

AUGUST 13, 2020

and its affiliated debtors (collectively, “ Debtors ”). [1] Notably, as reported by the Wall Street Journal (“ WSJ ”), the Debtors’ spokeswoman Michele Sharp said that the company would not oppose the NAACP’s motion. [9] billion from Purdue Pharma. [12] 19-23649 (Bankr. 2] Motion at 4. [3]

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Sawin & Shea

AUGUST 24, 2020

Chapter 13 Bankruptcy: Chapter 13 bankruptcy is a reorganization of debts for debtors with regular income. A Chapter 13 can help people get caught up on a mortgage or car loans. Consult with a bankruptcy lawyer about what your debt negotiation options are. You get to keep your property but pay back a portion of your debts.

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Collection Industry News

FEBRUARY 9, 2023

Barrett dismissed Bartenwerfer’s grammar-focused argument, which claimed that the relevant section of the bankruptcy code, written in the passive voice as “money obtained by fraud,” refers to “money obtained by the individual debtor’s fraud.” With that understanding, I join the Court’s opinion,” Sotomayor wrote.

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PDC Flow

JANUARY 29, 2024

This is when people are spending money on Christmas presents and other expenses, and don’t have extra money to pay debts. It also allows your agency time to prepare collection debt settlement letters with appropriate dates and owed amounts, so the notices arrive to debtors around the desired date.

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Nexa Collect

JUNE 20, 2020

Businesses can have troubled relationships, much like people. The people that run this department are not the money makers, but the treasurers, the ones who guard the money vault, so to speak. Hiring a lawyer to pursue collection can become very expensive. In that case, the impasse has to be addressed firmly and immediately.

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Ks Law

SEPTEMBER 21, 2016

We don’t talk about things that make us feel uncomfortable, and many people are very uncomfortable talking about their financial problems. Often, people with such problems will hide all evidence of financial distress. Some people do this with a misguided sense of protecting their loved ones.

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National Service Bureau

AUGUST 5, 2015

In relation to debt collection, skip tracing is a way of “tracing” (finding) a debtor who has “skipped” (left) town in an effort to get out of a debt that is owed. Now you know what we mean when we say it has been around for a while - people have been running away from debts since before sliced bread! What is it? Famous skip-tracers.

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Sawin & Shea

FEBRUARY 23, 2022

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. Our lawyers have years of experience assisting Indiana residents through the bankruptcy process.

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Debt Free Colorado

JANUARY 10, 2022

Bankruptcy laws are in place to protect not just the debtor, but also the creditors. After filing for bankruptcy, most people may apply for credit cards and auto loans. Hiring a bankruptcy lawyer at The Law Office of Clark Daniel Dray can make all the difference in how your case plays out. The process usually takes 2–4 months.

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BN Lawyers

MARCH 23, 2020

This helps employees by allowing them to seek unemployment and other public benefits while compensating the people who continue to work. If so, the company may qualify as a small business debtor under the Small Business Reorganization Act of 2019 (the “ SBA ”). WHEN SHOULD I TALK TO A LAWYER?

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Credit Corp

AUGUST 31, 2021

Contact a lawyer for your unique situation if you have questions. Judgments may give collectors additional collection powers, such as access to the money a debtor has in their bank account or the ability to garnish wages to collect the judgment. How Long Can a Debt Collector Pursue an Old Debt? Always respond to legal summons.

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Sawin & Shea

DECEMBER 7, 2022

Many debtors make the mistake of racking up more debt before filing because they figure that they’ll be able to discharge it. This is even more common during the holiday season because people spend a great deal on travel plans, gifts, and food. Those who are about to file for bankruptcy should also avoid accumulating substantial debt.

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