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

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. Payday loans.

Personal loans 98

Personal loans Chapter 7 bankruptcy Bankruptcy Chapter 13 bankruptcy 98

Credit Corp

JULY 18, 2021

Depending on your contract, a bank or dealership could revoke your loan even after you’ve signed a contract. Whether or not a bank can revoke an auto loan depends on the contract you have with them. Why would a loan be denied after you signed? Can You Be Denied a Car Loan After Purchase? How to avoid it.

Banks 98

Banks Loans Lender Lawyers 98

UK debt collections

APRIL 24, 2024

However, many of the claims where upfront fees had been taken never had any realistic chance of being successful and were assessed without proper involvement from lawyers. Clients were charged upfront fees plus a percentage of any recoveries. A total of six staff were employed at the time including directors Pinker and Rhodes.

Lawyers 90

Lawyers Trade Law Firms Government 90

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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Student loans Student Loans Bankruptcy Chapter 7 bankruptcy 52

Debt Guru

APRIL 12, 2020

Payday loan [p?-?d? A payday loan is short-term credit based on a borrower’s income and credit profile. Payday loans also go by other names, like a cash advance loan or check advance loan – and have even adopted such monikers as deferred deposit or deferred presentment. Why Should You Avoid Payday Loans?

Loans 98

Loans Lender Credit Unions Credit Unions 98

Collection Industry News

APRIL 22, 2023

The justices declined to intervene over a class-action settlement that could lead to the cancellation of more than 200,000 loans based on claims that colleges misled students. WASHINGTON — A settlement that will allow thousands of student loan debts to be canceled will go into effect after the Supreme Court on Thursday declined to block it.

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Sawin & Shea

AUGUST 9, 2023

Creditors cannot reclaim any of your property if you default on a loan. a car or their home), and agrees that they will repay the loan in a timely fashion or else the lender will gain ownership of the collateral they used to get the loan. Do I Need a Lawyer to File for Bankruptcy? What other debts do I owe?

Bankruptcy 52

Bankruptcy Credit Card Debt Collateral Lawyers 52

Sawin & Shea

JULY 6, 2022

Some situations in which someone may sign a personal guarantee before filing bankruptcy include assisting a friend or family member in receiving a loan, and a business owner may sign a personal guarantee in order to secure funds for their company. A personal guarantee loan is a signed agreement stating that you’re liable for a debt.

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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. However, contact a bankruptcy lawyer if you have a complicated financial picture that may require significant financial reorganization.

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Public Citizen

JANUARY 14, 2022

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Collection Industry News

JULY 12, 2022

A Miami payday loan business must pay more than $39 million to hundreds of Venezuelan Americans in South Florida who lost a chunk of their money after investing in the company, according to a federal judge’s order. Their lawyer, Mark Hunter, declined to comment on Monday. Source: site. . District Judge Beth Bloom.

Loans 40

Loans Judgment Lawyers Lender 40

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. All of the original terms of the loan are back in force, including the creditor’s right to repossess the collateral if you get behind on payments in the future.

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Sawin & Shea

DECEMBER 28, 2023

The money repaid goes primarily toward important priority debts like mortgages, car loans, taxes, and support obligations first. Your bankruptcy lawyer can negotiate lower balances or interest rates as well. Contact our lawyers today at 317-759-1483, or you can schedule a FREE consultation online here.

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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.

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Chapter 13 bankruptcy Bankruptcy Loans Foreclosure 72

Sawin & Shea

APRIL 3, 2024

Professional Licenses and Loan Defaults While a bankruptcy filing alone shouldn’t ruin your chances of obtaining a license, defaulting on certain loans and debts can. Additionally, bankruptcy may indicate other financial problems that can impact your status with your employer, such as fraud or defaulting on certain loans.

Bankruptcy 52

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Sawin & Shea

OCTOBER 27, 2021

If you’re struggling with medical debts, we encourage you to contact medical bill lawyers to go over options to make your medical debt more manageable. 25% of debts in collections were credit card related, and 20% were student loan debts. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

Chapter 13 bankruptcy 98

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Sawin & Shea

FEBRUARY 21, 2024

A major benefit of Chapter 13 bankruptcy is that it allows the filer to catch up on missed mortgage, car loan, and other secured debt payments by incorporating them into the repayment plan. How Can a Bankruptcy Lawyer Help? A bankruptcy lawyer can help you with their experience of bankruptcy from gambling laws.

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Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Repossession 52

Sawin & Shea

OCTOBER 12, 2022

In order to pay the trustee, you can get a loan from a friend or relative, use money that you made after filing, or you can sell some of your exempt personal property. Contact Indiana Chapter 7 Bankruptcy Lawyers. Contact Indiana Chapter 7 bankruptcy lawyers to assist you with this often-complex and difficult process.

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Credit Corp

JULY 26, 2021

Joint mortgages pass directly to co-borrowers, who become responsible for the loan. the decedent—pass to listed beneficiaries, who then become responsible for the loan. If beneficiaries can’t or won’t assume the loan, they can sell the property to settle the debt instead. Car Loan Debt. Student Loan Debt.

Student loans 98

Student loans Student Loans Credit Card Debt Loans 98

Sawin & Shea

APRIL 17, 2024

Common types of dischargeable debt include: Credit card debt Medical debt Judgements Utility bills Back rent Personal loans Repossession balances While Chapter 13 helps you repay certain debts and discharge remaining balances, not all forms of debt are dischargeable.

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Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Unsecured Debt 52

Debt Free Colorado

MARCH 23, 2020

Dealing with Credit Card, Medical, and Student Loan Debts. For additional help, call 303-900-8958 to schedule a free phone or video conference with an experienced Denver bankruptcy lawyer. The post Surviving Debt – Free Book During Coronavirus Pandemic appeared first on Denver Lawyer Clark Daniel Dray. Collection Lawsuits.

Student loans 83

Student loans Student Loans Repossession Lawyers 83

Sawin & Shea

SEPTEMBER 14, 2022

Some examples of consumer debt include: Personal credit card debt Store financing Home mortgages Rental furniture Personal lines of credit and bank loans Vehicle leases, which can include cars, planes, boats, and more Cosmetic-based medical debt Family or personal legal fees. Are Student Loans Consumer or Non-Consumer Debts?

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Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Student loans 122

Debt Free Colorado

MARCH 1, 2022

Don’t hire an out-of-state “law firm” to modify your loan – there are a number of free options you can take advantage of by contacting your loan servicer directly. The tools available to you depend on the type of mortgage loan you have, so please find the correct option below. Fannie Mae. Freddie Mac. VA-guaranteed.

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Nexa Collect

JUNE 23, 2023

This makes it harder for them to get loans, credit cards, or sometimes even jobs in the future. Seeking Legal Advice or Help : A collection letter may prompt some debtors to seek advice from a lawyer or a credit counseling service. Negotiations and Payments : Some debtors might choose to negotiate with the collection agency.

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Collection Agencies Collections Agency Debtor Collections 100

Sawin & Shea

FEBRUARY 9, 2022

Some jurisdictions allow a person in a Chapter 13 to incur a loan or line of credit for a set amount without applying for Court permission. If you are going to get a loan for over that amount, the law requires you to seek a court order to get approved for new debt. Contact a Chapter 13 Bankruptcy Lawyer in Indiana.

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Chapter 13 bankruptcy Bankruptcy Lawyers Repossession 98

Debt Free Colorado

APRIL 30, 2024

Microloans, rent reporting services, credit builder loans, and retail store credit cards can also improve your credit score. We recommend a multifaceted approach to maximize your credit score improvement: Microloans Some non-profit organizations offer small loan programs designed to help small businesses rebuild credit.

Credit Card Debt 52

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Credit Corp

MARCH 1, 2023

Start by contacting your lender, tax authority, and even your lawyer if necessary. It’s not unheard of for local and state tax authorities, and even loan servicing companies, to make clerical errors that result in unpaid property taxes. Change in loan servicing company. First, don’t panic, but do take immediate action.

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Lender Loans Lawyers Legal Rights 98

Troutman Sanders

DECEMBER 20, 2023

The case arose out of the plaintiffs’ home mortgage loans with the defendant. The loan agreements, governed by New York law, required the plaintiffs to deposit money into escrow accounts to cover property taxes and insurance payments.

Banks 59

Banks Government Loans Lawyers 59

Collection Industry News

FEBRUARY 6, 2024

Unlike many Americans with crushing student loan debt, the 44-year-old father of three from Knoxville, Tennessee, thought his debt had been canceled. But when the pandemic-era hold on loan payments lifted, the hefty deduction popped up again on his balance. 28, the borrowers’ student loan accounts were supposed to be wiped clean.

Student loans 40

Student loans Student Loans Education Government 40

Sawin & Shea

OCTOBER 11, 2023

Dischargeable debt would include things like: Medical bills Credit card bills Utility bills Back rent Personal loans Repossession balances At the end of the bankruptcy process, the remaining balances for these types of unsecured debts will likely be forgiven.

Bankruptcy 52

Bankruptcy Student loans Student Loans Chapter 7 bankruptcy 52

Debt Free Colorado

FEBRUARY 21, 2022

Consumer debts include credit card debts, vehicle loans, medical costs, and school loans. The UCCC covers payday loans, vehicle loans, second mortgages, state-issued credit cards, and signature loans. The UCCC does not cover first home mortgages and refinancing loans. Which States Have the UCCC.

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Sawin & Shea

OCTOBER 27, 2021

If you’re struggling with medical debts, we encourage you to contact medical bill lawyers to go over options to make your medical debt more manageable. 25% of debts in collections were credit card related, and 20% were student loan debts. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Bankruptcy Unsecured Debt Lawyers 52

Albuquerque Law

JANUARY 19, 2023

There are two fundamental aspects of this type of bankruptcy: The repayment plan: Instead of liquidation, small business owners can negotiate new terms of their loans with creditors, and create a plan to repay them over three to five years. The process of a subchapter 5 filing differs from Chapter 11 bankruptcy.

Bankruptcy 75

Bankruptcy Creditors Lawyers Loans 75

Sawin & Shea

APRIL 10, 2024

For experienced bankruptcy lawyers in Indiana, contact Sawin & Shea, LLC. Mortgages and car loans are both considered secured debts because they both have backing collateral. Although you can’t eliminate your mortgage or car loan in Chapter 7 bankruptcy and hold onto the collateral, you can reaffirm these debts.

Chapter 7 bankruptcy 52

Chapter 7 bankruptcy Bankruptcy Debtor Unsecured Creditor 52

Sawin & Shea

APRIL 12, 2023

However, there are other ways to pay back family and friends that the courts allow and won’t negatively impact the family member or friend who has loaned you money. Unsecured debt includes things like credit card debt, medical debt, and personal loans. What Happens When a Loan Repayment is Deemed Preferential? Who Is an Insider?

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

Debt Free Colorado

APRIL 9, 2020

So far the offers have been vague, the most likely concessions will be for your lenders on your home and cars to allow you to move a monthly payment to the end of the loan and for credit cards to temporarily reduce your interest rate. There are more tools for dealing with your mortgage than any other type of loan. Student Loans.

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