Debt Free Colorado

APRIL 30, 2024

Finding Solutions to Discharge Your Credit Card Debt Many find themselves struggling if they should file for bankruptcy because of their credit cards. Fortunately, bankruptcy can offer a path toward financial relief from credit card debt. Fortunately, bankruptcy can offer a path toward financial relief from credit card debt.

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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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Sawin & Shea

JANUARY 4, 2024

Filing for Chapter 13 bankruptcy is a positive step during a challenging time in your life. Instead of fighting with your creditors, you work with them proactively in the bankruptcy process to resolve your debts. In some cases, you may be eligible for a Bankruptcy Hardship Discharge.

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Sawin & Shea

DECEMBER 28, 2023

Filing for Chapter 13 bankruptcy can provide much-needed relief if you are overwhelmed with debt and struggling to keep up with payments. Under Chapter 13, you repay a portion or all of your debt, allowing you to keep assets like your home or car. What Is Chapter 13 Bankruptcy?

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Sawin & Shea

MARCH 6, 2024

Two of the most common options for dealing with unmanageable debt are filing for bankruptcy and pursuing debt consolidation. Bankruptcy and debt consolidation are distinct solutions, each with advantages and potential drawbacks. However, the choice between these two approaches depends greatly on individual circumstances.

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Debt Free Colorado

DECEMBER 30, 2023

Bankruptcy is Not Always Disadvantageous for Your Retirement Savings In today’s economic landscape, unforeseen challenges can lead individuals to consider bankruptcy as a viable option. One crucial aspect that often concerns people contemplating bankruptcy is the fate of their retirement savings.

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Credit Corp

MAY 30, 2023

Bankruptcy can happen to anyone—despite their best efforts. And while most people understand that bankruptcy is generally bad for them, many don’t realize the details of how it can impact you. Read below to find out what happens to your credit score after bankruptcy and what you can do to repair your credit afterward.

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Sawin & Shea

NOVEMBER 15, 2023

If you’re struggling with financial hardship, filing for bankruptcy can be an effective way to get back on your feet. But filing for bankruptcy in Indiana doesn’t mean every outstanding debt you’ve ever incurred gets wiped away. Declaring bankruptcy will discharge most types of debt but not others. What is the difference?

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Sawin & Shea

MARCH 9, 2022

When facing bankruptcy, many wonder how much debt is needed to file bankruptcy. There is no minimum amount of debt you need in order to file for bankruptcy, but there are other critical factors you need to take into consideration before filing under Chapter 7 or Chapter 13. Should I File for Bankruptcy?

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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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Roths Child Law

FEBRUARY 29, 2024

There are many reasons that people feel the need to file for personal bankruptcy. Before filing, you should understand what a personal bankruptcy filing can and cannot do. If you fail to pay, the courts could create an order to take it from your wages or other sources, even if you file for bankruptcy.

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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. For experienced bankruptcy lawyers in Indiana, contact Sawin & Shea, LLC.

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Sawin & Shea

AUGUST 23, 2023

With these kinds of figures, it isn’t surprising that we often get the question from clients: Does filing for bankruptcy eliminate debt? Bankruptcy Explained Bankruptcy is a powerful legal process that can help individuals or businesses that are overwhelmed by debt get a fresh start and a path to rebuild. And we have the answer.

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Sawin & Shea

JANUARY 11, 2024

Bankruptcy filings for both individuals and businesses are on the rise. Since 2005, a debtor education course from an approved provider is mandatory for anyone who files for bankruptcy. Since 2005, a debtor education course from an approved provider is mandatory for anyone who files for bankruptcy.

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Sawin & Shea

SEPTEMBER 7, 2022

Many people hold misconceptions about filing for bankruptcy. Perhaps the most common misconception is the notion that filing for bankruptcy means that you lose all of your wealth and possessions. In this article, we discuss what exemptions you can expect and what you might lose when filing for bankruptcy.

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Sawin & Shea

OCTOBER 12, 2022

Filing Chapter 7 bankruptcy provides numerous Indiana residents with debt relief. Fortunately, the vast majority of Chapter 7 filers are able to retain all of their property while also discharging their debts. Indiana Chapter 7 Bankruptcy Exemptions. Ways to Keep Your Nonexempt Property During Chapter 7 Bankruptcy.

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Sawin & Shea

MARCH 15, 2022

Filing for bankruptcy is an important step for many individuals looking to overcome debts. 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. Investment Real Estate in Chapter 7 Bankruptcy.

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Sawin & Shea

NOVEMBER 1, 2023

In fact, medical debt is one of the most common types of debt reported on consumer credit reports. Because of the serious burden medical debts have placed on Americans, many are turning to bankruptcy as a potential option. At Sawin & Shea, our team of Chapter 7 and Chapter 13 bankruptcy lawyers is here to help.

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Sawin & Shea

JANUARY 19, 2022

Filing your taxes and filing for bankruptcy are two things that can be confusing and challenging on their own. Filing your taxes after filing for bankruptcy is not as complicated as it may seem, and if you are still confused after doing some research, you can always reach out to a bankruptcy lawyer. Tax Debt and Bankruptcy.

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Roths Child Law

MARCH 2, 2023

Bankruptcy can be an effective solution for those who are struggling with debt, but it will limit their credit options and drag down their credit score temporarily. However, the rules are a bit different for bankruptcy. Technically, a Chapter 13 bankruptcy could also drag down a credit score for roughly a decade.

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Sawin & Shea

JUNE 22, 2022

Since 1991, the number of retirees filing for bankruptcy has tripled , with 12.2% of all bankruptcies being filed by people 65 and older. Unfortunately, all of this adds up to bankruptcy—something that is already scary to deal with as is but can be even more overwhelming and frightening for seniors.

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Sawin & Shea

JULY 12, 2023

Declaring bankruptcy can appear incredibly intimidating. The truth is that there’s nothing wrong with declaring bankruptcy, and it’s often the best option for those struggling with overwhelming debt. In this blog, you’ll learn what happens if you file for bankruptcy as well as the difference between filing for Chapter 7 and Chapter 13.

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Sawin & Shea

MARCH 21, 2023

If you’re struggling with overwhelming tax debts, you should consider all of your financial options , one of which is filing bankruptcy Chapter 13. With Chapter 13, you can pool all of your debts, including some types of tax debts, into a three-to-five-year repayment plan. Does Bankruptcy Clear Tax Debt?

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Roths Child Law

JANUARY 15, 2024

The discharge of debts at the end of bankruptcy proceedings is often the primary purpose of the process for filers. Individuals who file for personal bankruptcy derive numerous benefits, including an automatic stay that temporarily prevents collection activity. Chapter 13 filings take significantly longer.

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Sawin & Shea

MARCH 2, 2021

Considering Chapter 13 bankruptcy? Chapter 13 bankruptcy takes a bit longer than Chapter 7, but it may be the best plan for you. Let’s look at the factors that determine how long a bankruptcy takes so you can get an idea of your bankruptcy’s timeframe. Your income. Your assets.

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Jimerson Firm

DECEMBER 29, 2023

When a debtor files for bankruptcy, a creditor may be able to seek dismissal of the bankruptcy if the petition was filed in bad faith. This article will provide an overview of the options available to a creditor if a debtor with primarily consumer debts files for Chapter 7 bankruptcy. 11 U.S.C. §

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Sawin & Shea

FEBRUARY 22, 2023

And although there are benefits to obtaining this type of mortgage, debtors often have to pay increased interest and monthly payments. Fortunately, Chapter 13 bankruptcy offers debt relief and a solution for stopping mortgage servicers from repossessing your home. What Is an Adjustable-Rate Mortgage?

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Sawin & Shea

JANUARY 25, 2023

Here’s what you need to know about getting a new loan and interest rate after bankruptcy. Why File for Bankruptcy with Rising Interest Rates If you’re struggling with overwhelming debts made worse by increased interest rates, you may want to consider filing for Chapter 13 bankruptcy.

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Sawin & Shea

DECEMBER 21, 2023

When an individual or business files for bankruptcy, an automatic stay immediately goes into effect. For debtors, the automatic stay provides critical breathing room to address financial issues under bankruptcy court protection. An automatic stay refers to the legal injunction put into place upon filing for bankruptcy.

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Sawin & Shea

OCTOBER 11, 2023

People file for bankruptcy for any number of reasons, from job loss, to unpaid medical bills , to sky-high credit card bills. And it’s not an uncommon event either– roughly 375,000 people filed for bankruptcy in 2022 alone. There are some debts that filing for bankruptcy will not discharge. What do we mean by this?

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Sawin & Shea

JUNE 21, 2023

Filing for Chapter 13 bankruptcy can help you improve your financial situation. Unfortunately, not everyone filing Chapter 13 will complete the repayment process. Unfortunately, not everyone filing Chapter 13 will complete the repayment process.

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Sawin & Shea

DECEMBER 14, 2023

In recent years, cryptocurrencies have become incredibly popular, and numerous Indiana residents own different types of digital currencies, such as Bitcoin, Ethereum, Tether, and more. With that being said, cryptocurrency bankruptcy has also become more common. Can I Protect My Cryptocurrency Assets During Bankruptcy?

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Sawin & Shea

OCTOBER 18, 2023

But if you’re trying to decide if you should file for bankruptcy, going on vacation is more complicated. Vacation in Chapter 7 Bankruptcy You can take a vacation before filing for Chapter 7 bankruptcy if you’ve already paid for it, you weren’t experiencing financial difficulty at that time, and it’s non-refundable.

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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. It’s also common!

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Sawin & Shea

MARCH 20, 2024

You may be wondering whether you should opt for a tax attorney or a bankruptcy attorney. 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. You deserve a fresh start.

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Sawin & Shea

FEBRUARY 14, 2023

Although bankruptcy is often the only solution to get your finances back in order if you are struggling under mountains of debt, it does show up on your credit report for years, even after the bankruptcy has been discharged. In either case, speaking with a bankruptcy attorney may help.

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Sawin & Shea

JANUARY 18, 2023

If you’re struggling with overwhelming debts, Chapter 7 bankruptcy could be your best option. Chapter 7 is the most common form of bankruptcy for individuals and families, and it allows you to discharge many of your unsecured debts within only a few months. What is Chapter 7 Bankruptcy?

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