Nerd Wallet

JUNE 10, 2021

Bankruptcy is one of the fastest and most effective ways to find debt relief. Most consumers who follow this path will file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. To help you understand the difference between Chapter 7 and Chapter 13 bankruptcy, here’s.

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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

AUGUST 2, 2022

Below, we’ll cover the various reasons why a person might want to convert to Chapter 7, the benefits of converting, who qualifies to convert, the cost involved, and how the process works. For What Reasons Would Someone Convert From Chapter 13 to Chapter 7?

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Sawin & Shea

MARCH 21, 2023

If you have non-exempt assets that you’re wishing to keep or don’t pass the Chapter 7 means test, you’ll need to file through Chapter 13. Chapter 13 can make your non-dischargeable tax debts more manageable. This repayment plan pools your existing debts in order to pay back creditors, including the IRS.

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Sawin & Shea

OCTOBER 26, 2022

A variety of factors determine whether or not you’ll be able to discharge all of certain personal loans, including whether the loan is secured or unsecured and whether you file via Chapter 7 or Chapter 13 bankruptcy. Discharging Personal Loans Through Chapter 7 Bankruptcy.

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Sawin & Shea

SEPTEMBER 7, 2022

Perhaps the most common misconception is the notion that filing for bankruptcy means that you lose all of your wealth and possessions. When filing for Chapter 7 or Chapter 13 bankruptcy, you’ll qualify for exemptions that allow you to keep some of your money and certain types of personal property.

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Roths Child Law

SEPTEMBER 15, 2023

It is designed to prevent higher-income individuals from filing for Chapter 7 bankruptcy. Understanding how the Chapter 7 means test works is essential if you are considering bankruptcy to get out of a financially difficult situation. Are you considering bankruptcy?

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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

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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Roths Child Law

APRIL 4, 2023

Bankruptcy Code reserves certain opportunities for those who are least likely to be able to repay their debts any time soon. Unlike Chapter 13 bankruptcy, which is available to most Americans, Chapter 7 bankruptcy is only available to low-income filers.

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Roths Child Law

AUGUST 6, 2021

When faced with insurmountable debts, Chapter 7 bankruptcy can be the best way to regain control over your financial situation. Importantly, Chapter 7 bankruptcy provides an opportunity for a fresh start. Typically, a Chapter 7 bankruptcy case will conclude within six months.

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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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Roths Child Law

DECEMBER 28, 2021

When you file for a Chapter 13 bankruptcy in Nashville, you likely will not receive a discharge until the completion of your repayment plan. Since Chapter 13 lasts for three to five years, one or more financial circumstances may arise to interfere with your repayment plan.

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Sawin & Shea

MAY 19, 2021

If you are thinking of filing for Chapter 7 or Chapter 13 bankruptcy, or if you have already filed, you may be concerned about how long the bankruptcy will stay on your credit report. The situation is more complicated with Chapter 13 bankruptcy.

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Sawin & Shea

JULY 22, 2020

It’s a smart choice to file for Chapter 13 bankruptcy. Your bankruptcy plan will allow you to catch up on payments and settle your debts while giving you a chance to keep your home treasured belongings. If you have a job but you’re struggling to make your payments every month, Chapter 13 can help.

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Sawin & Shea

DECEMBER 7, 2022

If you’re not sure whether some of your purchases are considered “luxury,” consult with a Chapter 7 or Chapter 13 bankruptcy attorney. If you make a luxury purchase of over $600 within 90 days of filing for bankruptcy, creditors will request for the bankruptcy court to not discharge the debt.

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Sawin & Shea

AUGUST 9, 2022

If you have any questions and are considering if a Chapter 7 or Chapter 13 bankruptcy is the right choice for you, our team at Sawin & Shea can help. We have years of experience handling bankruptcy cases and are dedicated to helping our clients achieve the best possible outcome.

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Sawin & Shea

DECEMBER 29, 2021

The good news is that we can still help you with your debts by filing a Chapter 13, or reorganization, case if non-exempt assets would cause a problem in a Chapter 7 filing. In a normal Chapter 13 there is no liquidation of assets. Property in Chapter 7 Bankruptcy.

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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? What if I Have More Property Than You Can Exempt in a Chapter 7?

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Roths Child Law

APRIL 6, 2023

If you earn a decent, steady paycheck but you’re still struggling to pay your debts on time, it may be worth considering filing for bankruptcy. Bankruptcy Code. This opportunity will allow you to benefit from the protections of the automatic stay and the issuance of a discharge at the end of the bankruptcy process.

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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). Such is one of the primary distinctions between Chapter 7 and Chapter 13 bankruptcy.

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Sawin & Shea

JUNE 16, 2021

Many people assume that because they have filed bankruptcy, their credit is ruined, and they will not be able to qualify for any loans. Chapter 7 bankruptcy: In this type of bankruptcy, your non-exempt assets (if any) have been liquidated to pay off a percentage of your debts. This is not true. 10% Credit mix.

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Sawin & Shea

AUGUST 31, 2022

However, these negative impacts are not inevitable; you do have the option to take steps to either eliminate your medical debt or to make manageable payments towards it by filing for Chapter 7 or Chapter 13 bankruptcy.

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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. It’s a way to make sure that you’re receiving the full benefits of your bankruptcy.

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Sawin & Shea

OCTOBER 19, 2022

Differences between Chapter 7 and Chapter 13 Bankruptcies. With Chapter 7 bankruptcy , you may get a car loan upon receipt of your discharge notice, which can take several months. Factor into your budget costs such as registration fees, insurance, and regular maintenance like oil changes.

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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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Sawin & Shea

FEBRUARY 23, 2021

Let’s start by clearing up one of the common myths about bankruptcy – that employment is required. In truth, you don’t have to be employed to file for bankruptcy and no rule requires employment for eligibility. Because you’re unemployed, Chapter 7 bankruptcy might be the best choice for you.

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Sawin & Shea

APRIL 13, 2021

What you will learn from reading this article: Facts about selling your home while going through bankruptcy. Details about Chapter 7 and Chapter 13 Bankruptcies and your house. Chapter 7 Bankruptcy. Chapter 13 Bankruptcy. Sawin & Shea Is Here to Help.

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Credit Corp

JULY 9, 2024

A bankruptcy can remain on your credit report for up to ten years from the filing date of Chapter 7 bankruptcy or up to seven years from the filing date of Chapter 13 bankruptcy. While bankruptcy may be a last resort, there are times where filing bankruptcy might make sense.

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Roths Child Law

MARCH 11, 2022

If you do need a personal loan after your Chapter 7 or Chapter 13 bankruptcy, it may be possible to get it. The length of time it will take for you to get a loan will depend on the kind of bankruptcy you chose as well as how long it has been since you went through it.

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Sawin & Shea

FEBRUARY 22, 2023

Fortunately, Chapter 13 bankruptcy offers debt relief and a solution for stopping mortgage servicers from repossessing your home. Saving Your Home From Foreclosure Through Chapter 13 Bankruptcy Chapter 13 bankruptcy offers a solution if you’ve fallen behind on monthly mortgage payments.

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Debt Free Colorado

AUGUST 8, 2019

The means test determines whether you qualify for a Chapter 7 bankruptcy, and how long and how much your plan payment is in a Chapter 13 bankruptcy. Under this new bill, current monthly income for bankruptcy no longer includes “any monthly compensation, pension, pay, annuity, or allowance paid.

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Sawin & Shea

JULY 6, 2022

Contact an Indianapolis Bankruptcy Attorney. If you’re considering filing for bankruptcy, you need a skilled lawyer at your side to help you through the process. For legal support in filing Chapter 7 bankruptcy and Chapter 13 bankruptcy in Indianapolis , contact the bankruptcy lawyers at Sawin & Shea, LLC.

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Titan Consulting

AUGUST 23, 2020

You must qualify to file for bankruptcy, and your income must meet an income means test. If you do not qualify for a Chapter 7 bankruptcy to liquidate your debts, you may be required to pay back a significant portion of your debts under a Chapter 13 Bankruptcy, and still suffer the negative impact to your credit score.

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Sawin & Shea

JUNE 22, 2022

Before determining if bankruptcy is right for you, it’s helpful to understand your options. As a retired senior, you have two options when filing for bankruptcy: Chapter 13: In a Chapter 13 bankruptcy , your property and assets are better protected, but you will need to have a disposable income available.

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Sawin & Shea

MARCH 28, 2023

If you’re considering filing Chapter 7 or Chapter 13 bankruptcy, you need to be aware of the different components of the filing process, including the role of the bankruptcy trustee. What Does the Bankruptcy Trustee Investigate in Chapter 7?

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Roths Child Law

AUGUST 6, 2021

When faced with insurmountable debts, Chapter 7 bankruptcy can be the best way to regain control over your financial situation. Importantly, Chapter 7 bankruptcy provides an opportunity for a fresh start. Typically, a Chapter 7 bankruptcy case will conclude within six months.

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