Chapter 13 bankruptcy, Garnishment and Repossession

Chapter 13 Bankruptcy Dismissed. Can I Refile?

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.

Chapter 13 bankruptcy

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What Happens to My Personal Loan After Bankruptcy?

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. If you fail to repay an unsecured personal loan, the lender cannot repossess your assets.

Personal loans

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What is an Emergency Bankruptcy Filing?

Sawin & Shea

FEBRUARY 16, 2022

Those filing an emergency bankruptcy receive an automatic stay even before completing certain documents. If you’re in an emergency situation such as wage garnishment, eviction, or pending repossession filing an emergency bankruptcy may be right for you. Unsure of Whether to File for an Emergency Bankruptcy?

Bankruptcy

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

Debt Free Colorado

DECEMBER 9, 2021

Consider your income, assets, creditors, expenditures, and your ability to pass the means test while selecting between Chapter 13 and Chapter 7. 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 13 bankruptcy

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Filing Bankruptcy Without Your Spouse: What Happens to Debts & Property?

Sawin & Shea

MAY 26, 2021

This means a foreclosure, repossession, garnishment, or other action can continue against your spouse even after you’re freed of it through bankruptcy – but only if their name is on the debt. This is certainly something to consider before filing bankruptcy without your spouse.

Bankruptcy

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Who Can Declare Chapter 7 Bankruptcy?

Sawin & Shea

JANUARY 18, 2023

In that case, the bankruptcy court will recommend that you declare Chapter 13 bankruptcy , which consolidates your debts into a three-to-five-year repayment plan. After you file, the bankruptcy court will appoint a trustee who’s in charge of reviewing your case and for non-protected assets.

Chapter 7 bankruptcy

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How Does Bankruptcy Affect Your Job and Future Credit?

Sawin & Shea

JULY 19, 2023

Chapter 7 bankruptcy also stops lawsuits and wage garnishments. Chapter 13 , or reorganization bankruptcy, stops repossessions and foreclosures so you can save your home or investment. Like Chapter 7, it stops lawsuits and garnishments.

Chapter 13 bankruptcy

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How Often Can I File for Bankruptcy?

Sawin & Shea

OCTOBER 20, 2021

We can, however, use a Chapter 13 filing within the 4-year period of time to protect a person from collection actions, including repossessions, foreclosures, and wage garnishments. Filing Again After Chapter 13 Bankruptcy. Filing Successive Chapter 13 Bankruptcy Cases.

Chapter 7 bankruptcy

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How Often Can I File for Bankruptcy?

Sawin & Shea

OCTOBER 20, 2021

We can, however, use a Chapter 13 filing within the 4-year period of time to protect a person from collection actions, including repossessions, foreclosures, and wage garnishments. Filing Again After Chapter 13 Bankruptcy. Filing Successive Chapter 13 Bankruptcy Cases.

Chapter 7 bankruptcy

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Dealing With Debt From COVID-19

Debt Free Colorado

APRIL 9, 2020

They will feel obligated to protect their interest in the collateral (your car) and can move quickly to repossess after only a few missed payments. To speak with a Colorado attorney experienced in debt relief and bankruptcy, call The Law Office of Clark Daniel Dray at (303) 900-8598 or use the tool below to scheduled a free consultation.

Student loans

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Will I Lose My Retirement If I File for Bankruptcy?

Sawin & Shea

MAY 10, 2023

Chapter 7 bankruptcy also stops lawsuits and garnishments. Chapter 13 bankruptcy , or reorganization bankruptcy, stops repossessions and foreclosures to save your home or investment. It also stops lawsuits and garnishments.

Bankruptcy

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Mistakes to avoid when filing for personal bankruptcy

Roths Child Law

JANUARY 31, 2023

It is for these reasons that you need to avoid the following mistakes when declaring bankruptcy in Tennessee. Filing the wrong chapter Personal bankruptcies fall into two categories - Chapter 7 and Chapter 13 bankruptcies. It is important that you understand how these types of bankruptcies differ.

Bankruptcy

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How Much Debt Is Needed to File for Bankruptcy?

Sawin & Shea

MAY 2, 2024

Whether you’re facing foreclosure , repossession, wage garnishments, or relentless creditor harassment, our expertise in bankruptcy law can offer the protection and relief you’ve been seeking. Student loans are also difficult but not impossible to discharge in bankruptcy.

Bankruptcy

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Tax Attorney vs Bankruptcy Attorney: What’s the Difference?

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. A bankruptcy attorney helps someone clarify and organize their finances while getting most types of debt discharged.

Bankruptcy

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Cosigner Responsibilities: When Is a Cosigner Liable for a Debt?

Sawin & Shea

JUNE 7, 2023

The bankruptcy filer gets immediate protection called an automatic stay, meaning that creditors cannot pursue legal action or debt collection against the borrower, but with Chapter 7 bankruptcy, the automatic stay does NOT extend to the co-signer.

Chapter 13 bankruptcy

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What Happens If You File For Bankruptcy?

Sawin & Shea

JULY 12, 2023

Once you’ve filed your bankruptcy petition, creditors will no longer be able to take any action to collect debts against you. They’ll be unable to garnish your wages, foreclose on your home, and repossess your belongings. Additionally, the bankruptcy court will assign a trustee for your case.

Bankruptcy

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How Can You File for Bankruptcy With No Money?

Sawin & Shea

FEBRUARY 7, 2024

If you’re considering filing for Chapter 7 or Chapter 13 bankruptcy , you need to know how much you should expect to pay for filing fees and other necessary expenses. You may also wonder whether you can file bankruptcy, no money down. Fortunately, filing for bankruptcy places an automatic stay on your assets.

Bankruptcy

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Debtor Education Course After Filing for Bankruptcy

Sawin & Shea

JANUARY 11, 2024

In short, they prepare you for the challenges that come with rebuilding your finances after bankruptcy. Understanding Chapter 7 vs. Chapter 13 Bankruptcy There are 6 types of bankruptcy, but two of the most common types are Chapter 7 and Chapter 13.

Education

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Is It Better To Declare Bankruptcy or Debt Consolidation?

Sawin & Shea

JANUARY 24, 2024

Chapter 13 bankruptcy sets up a 3-5 year repayment plan to pay back a portion of what you owe. The Pros Bankruptcy can stop foreclosures , repossessions, lawsuits, wage garnishment, utility shut-offs, and debt collection activities through its automatic stay provision.

Debt Consolidation

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10 Common Questions About Bankruptcy

Debt Free Colorado

MARCH 3, 2023

Do Bankruptcies Come in Different Types? There are officially six separate categories of bankruptcy , each designated after a specific section of federal bankruptcy law. However, Chapter 7 and Chapter 13 bankruptcy are the two types of bankruptcy that are most frequently filed.

Bankruptcy

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Can I Keep My Home in a Chapter 7 Bankruptcy?

Sawin & Shea

SEPTEMBER 20, 2023

Upon filing a Chapter 7, you receive automatic court-oredered protection from creditors and aren’t subject to lawsuits, repossessions, or wage garnishments. What if I Have More Property Than You Can Exempt in a Chapter 7? However, a court-appointed trustee can sell any nonexempt property.

Chapter 7 bankruptcy

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Bankruptcy and Divorce: Should I File Before or After?

Sawin & Shea

JUNE 14, 2023

Although the process takes much longer than Chapter 7, you’ll receive an immediate automatic stay, meaning that your creditors can’t take action against you, such as repossessing collateral and garnishing your wages. Get a FREE consultation today by calling 317-759-1483, or you can schedule your consultation online here.

Chapter 7 bankruptcy

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What is the Difference Between Secured and Unsecured Debt?

Sawin & Shea

JANUARY 25, 2022

To enforce secured debts, your creditors may repossess your car or other vehicles, they may foreclose on your mortgage, or levy against other property you have either pledged as collateral or that is subject to an involuntary lien. Again, you can decide to file bankruptcy instead, which can put a pause on collection efforts.

Unsecured Debt

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Secured vs Unsecured Debt: Everything You Need to Know

Sawin & Shea

NOVEMBER 15, 2023

However, it is important to note that before bankruptcy is declared, lenders can still come after you to get you to pay off the unsecured debt. They may use collection agencies , or they may sue you (asking the court to garnish wages, take an asset, or put a lien on your home).

Unsecured Debt

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