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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Sawin & Shea

NOVEMBER 15, 2022

In this blog, we discuss situations in which your employer will be notified about your bankruptcy, and we also cover whether or not you can be legally fired for declaring bankruptcy. Will My Employer Be Notified About My Bankruptcy? If a potential employer runs a background check, they’ll discover your bankruptcy.

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Sawin & Shea

AUGUST 24, 2020

Bankruptcy can also stop or delay a home or mortgage foreclosure, stop collection actions, stop garnishments and lawsuits. What Do the Various Kinds of Bankruptcy Entail? There are many intricacies that set Chapter 7 and Chapter 13 Bankruptcy apart. What does each one mean?

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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

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. Although many view bankruptcy as inherently negative, it can have a positive effect on your ability to rebuild your credit. Bankruptcy Code. Contact Indiana Bankruptcy Lawyers.

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Sawin & Shea

JANUARY 25, 2023

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. Chapter 13 bankruptcy organizes your debts into a repayment plan that lasts three to five years.

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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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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 13 Bankruptcy.

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Sawin & Shea

MAY 12, 2021

Generally speaking, you can use either Chapter 7 or Chapter 13 bankruptcy to accomplish the goal of erasing medical debt. Most medical debt is eligible for discharge in bankruptcy because it’s unsecured debt – debt that’s not secured by something tangible like a vehicle or house.

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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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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.

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Credit Corp

MAY 3, 2023

Bankruptcy can be complex, and even a small mistake in how you file can substantially change the outcome of your case. It’s typically a good idea to consult an experienced bankruptcy lawyer before you file a bankruptcy petition. What Is Chapter 11 Bankruptcy? What Is Chapter 7 Bankruptcy?

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Sawin & Shea

APRIL 6, 2021

Plenty of people file for bankruptcy each year — possibly including your friends and family, even if they didn’t tell you about it. In recent years, just over 750,000 Americans per year have filed for Chapter 7 , Chapter 11, or Chapter 13 bankruptcy. Thinking Employed People Do Not Need Bankruptcy.

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Sawin & Shea

FEBRUARY 21, 2024

Because of this, filing for bankruptcy is often one of the only options you may have. Below, we’ll break down how gambling debt fits into Chapter 13 bankruptcy and how you can prepare if gambling bankruptcy is the next step that you need to take. Can You File for Bankruptcy Due to Gambling Debt?

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Sawin & Shea

FEBRUARY 16, 2022

If you receive notification from a creditor or debt collector about them taking action against you, such as repossessing your property or filing a lawsuit, you need to speak with a bankruptcy lawyer immediately to determine your best course of action. Filing for Emergency Bankruptcy. Contact a Bankruptcy Lawyer.

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Sawin & Shea

FEBRUARY 28, 2023

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. At Sawin & Shea LLC we use Chapter 13 bankruptcy in conjunction with a loan modification program to help people with significant delinquencies on mortgages.

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Debt Free Colorado

SEPTEMBER 14, 2024

Our Bankruptcy Lawyers are Your Local Legal Lifeline Are you looking for bankruptcy lawyer in Denver, CO ? When considering bankruptcy, having an experienced attorney by your side is essential. Bankruptcy laws can be complex and are always subject to change. How Can a Dedicated Bankruptcy Lawyer Help Me?

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Sawin & Shea

AUGUST 16, 2023

If you’re wondering “Can I file for bankruptcy without a lawyer?” The option to file for bankruptcy without an attorney, known as Pro Se bankruptcy, is available under the United States bankruptcy law. We can help you file for Chapter 13 bankruptcy or Chapter 7 bankruptcy, depending on your needs.

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Sawin & Shea

APRIL 17, 2024

Chapter 13 bankruptcy is an invaluable financial tool for those struggling with overwhelming debt, and it can pave the way for a fresh start. Unlike Chapter 7 , Chapter 13 bankruptcy allows you to avoid liquidating your non-exempt assets. What Is a Chapter 13 Bankruptcy Filing?

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Sawin & Shea

JANUARY 19, 2022

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. If you filed a Chapter 11 bankruptcy, you will likely have been in control of your assets and thus acted as the trustee yourself.

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Debt Free Colorado

FEBRUARY 17, 2023

Moreover, when filing bankruptcy again after being rejected for a discharge, you should work with an experienced bankruptcy lawyer to check if you can still request a discharge for the debts in your first filing. Will You File for Chapter 7 or Chapter 13 Bankruptcy? Call a Bankruptcy Lawyer Now!

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Sawin & Shea

MARCH 14, 2023

In this blog, we’ll share the details regarding this exemption increase, the different exemption categories, and how these exemptions impact Chapter 7 and Chapter 13 bankruptcy. What Are Bankruptcy Exemptions?

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Debt Free Colorado

JANUARY 10, 2022

Overview of Chapter 13 – Reorganization. Unlike Chapter 7, Chapter 13 allows the filing party to keep most of their property and assets. Individuals, not corporations, can file for Chapter 13 bankruptcy, which restructures debts into reasonable repayment plans.

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Sawin & Shea

SEPTEMBER 6, 2023

These include declaring Chapter 7 or Chapter 13 bankruptcy. While both are good options to stop foreclosure (or postpone), in this blog we’ll focus on Chapter 13. Unlike Chapter 7 bankruptcy, Chapter 13 does not require the filer to liquidate all their assets (including their home) to pay off creditors.

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Sawin & Shea

OCTOBER 20, 2021

Filing Again After Chapter 13 Bankruptcy. If you file a Chapter 13 bankruptcy first, the time limits will be less than if you had filed a Chapter 7 case first. This is often because debts do not always get fully discharged in Chapter 13 cases but instead become subject to a payment plan.

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Sawin & Shea

OCTOBER 20, 2021

Filing Again After Chapter 13 Bankruptcy. If you file a Chapter 13 bankruptcy first, the time limits will be less than if you had filed a Chapter 7 case first. This is often because debts do not always get fully discharged in Chapter 13 cases but instead become subject to a payment plan.

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Sawin & Shea

MARCH 23, 2021

You may still have the option of keeping your car through bankruptcy. Bankruptcy Offers a Way to Keep Your Vehicle. Chapter 13 bankruptcy , also known as a reorganization bankruptcy, stops a car repossession in its tracks using something known as the automatic stay. Filing for Bankruptcy ASAP.

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Sawin & Shea

FEBRUARY 2, 2022

If you are drowning in debt but aren’t sure which option is right for you, it can help to consult with an experienced lawyer. We can help you file a Chapter 7 or Chapter 13 bankruptcy, or we can point you in another direction if bankruptcy is not right for you.

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Debt Free Colorado

NOVEMBER 28, 2024

Bankruptcy is a legal process that provides individuals and businesses relief from overwhelming debt. In Colorado, as in other states, there are specific types of bankruptcy that cover different financial situations. The two most common types are Chapter 7 and Chapter 13 bankruptcy.

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Sawin & Shea

NOVEMBER 1, 2023

However, while bankruptcy can help, it’s important to understand how the process works, especially concerning your medical debt. At Sawin & Shea, our team of Chapter 7 and Chapter 13 bankruptcy lawyers is here to help. You haven’t filed for Chapter 7 bankruptcy in the past eight years.

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Sawin & Shea

FEBRUARY 23, 2022

If you are in the Chapter 13 Bankruptcy process, you have a three-to-five-year reorganization payment plan. There are a lot of reasons why a Chapter 13 might be the best choice for a person. Each bankruptcy case is different, and the array of solutions varies according to circumstances.

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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. What’s the Difference Between a Tax Attorney and a Bankruptcy Attorney? You deserve a fresh start.

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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. Although many view bankruptcy as inherently negative, it can have a positive effect on your ability to rebuild your credit. Bankruptcy Code. Contact Indiana Bankruptcy Lawyers.

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Debt Free Colorado

DECEMBER 23, 2024

Chapter 7 bankruptcy remains on credit reports for 10 years. Unsecured Debts in Chapter 13 Bankruptcy Chapter 13 bankruptcy works differently. How Can a Bankruptcy Lawyer Help Me With Managing Unsecured Debts? Having a lawyer by your side can make the process less stressful.

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Sawin & Shea

AUGUST 11, 2021

Unfortunately, there are rules to follow when it comes to inheritance and bankruptcy, so it’s important not to become blinded by that light. The lawyers at Sawin & Shea have experience at understanding the light in the dark, particularly when it comes to receiving an inheritance amidst a Chapter 7 bankruptcy or a Chapter 13 bankruptcy.

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Better Credit Blog

JANUARY 11, 2022

But sometimes bankruptcy is the best way to get a new start so you can then stay on top of your finances, and with hard work, you can begin to turn your financial life around. To help you better understand how bankruptcy works, we reached out to financial lawyers who specialize in guiding their clients through the process.

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