Sawin & Shea

AUGUST 24, 2020

Whether or not you file for bankruptcy also depends on the kind of debt you have. Bankruptcy will wipe out credit card debt, medical bills, and personal loans, but will not eliminate primary obligation debt; things like student loans, child and spousal support, and newer tax debt. What does each one mean?

Chapter 13 bankruptcy 98

Chapter 13 bankruptcy Bankruptcy Chapter 7 bankruptcy Debt collector 98

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. Usually, this is cents on the dollar.

Chapter 13 bankruptcy 72

Chapter 13 bankruptcy Bankruptcy Loans Foreclosure 72

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. Bankruptcy Code. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

Chapter 13 bankruptcy 98

Chapter 13 bankruptcy Bankruptcy Unsecured Debt Lawyers 98

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 75

Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Unsecured Debt 75

Sawin & Shea

FEBRUARY 22, 2023

Fortunately, Chapter 13 bankruptcy offers debt relief and a solution for stopping mortgage servicers from repossessing your home. An adjustable-rate mortgage is a home loan that features variable payments. This differs from fixed-rate mortgages, where debtors pay a set interest rate for the entirety of the loan.

Chapter 13 bankruptcy 72

Chapter 13 bankruptcy Bankruptcy Chapter 7 bankruptcy Foreclosure 72

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?

Chapter 13 bankruptcy 97

Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Creditors 97

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.

Bankruptcy 98

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Creditors 98

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?

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Repossession 52

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. Then bankruptcy may be your best option.

Lawyers 52

Lawyers Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy 52

Sawin & Shea

FEBRUARY 28, 2024

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 suits your financial situation.

Personal loans 52

Personal loans Bankruptcy Chapter 13 bankruptcy Loans 52

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?

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Unsecured Debt 52

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. Consolidation Loans.

Credit Card Debt 72

Credit Card Debt Chapter 13 bankruptcy Bankruptcy Creditors 72

Debt Free Colorado

JANUARY 10, 2022

Advantages of Chapter 7 Bankruptcy . Bankruptcy wipes out all debts and gives you a fresh start. Only student loans, taxes, and past-due child support are non-dischargeable. . After filing for bankruptcy, most people may apply for credit cards and auto loans. Overview of Chapter 13 – Reorganization.

Chapter 13 bankruptcy 59

Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Creditors 59

Sawin & Shea

MARCH 23, 2021

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. You stay under the court’s protection, which continues to stop collection efforts until the end of your bankruptcy.

Repossession 52

Repossession Chapter 13 bankruptcy Bankruptcy Creditors 52

Debt Free Colorado

NOVEMBER 28, 2024

Quick Summary: Bankruptcy is a legal process that offers relief from overwhelming debt for individuals and businesses. A bankruptcy attorney assists clients in understanding the complexities of this process. Certain debts—such as credit card debt, medical bills, and personal loans—can be discharged.

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

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?

Bankruptcy 64

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Debtor 64

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. Many Chapter 13 Debtors pay pennies on the dollar back to their unsecured creditors.

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

Debt Free Colorado

DECEMBER 23, 2024

Credit cards, medical bills, and personal loans make up most unsecured debt that bankruptcy can eliminate. Some debts stay with you even after bankruptcy. Student loans, child support, recent taxes, and court fines must be paid in full. Chapter 7 bankruptcy remains on credit reports for 10 years.

Unsecured Debt 52

Unsecured Debt Bankruptcy Chapter 7 bankruptcy Chapter 13 bankruptcy 52

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.

Chapter 13 bankruptcy 75

Chapter 13 bankruptcy Foreclosure Bankruptcy Loans 75

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.

Student loans 81

Student loans Student Loans Chapter 13 bankruptcy Chapter 7 bankruptcy 81

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.

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Lawyers 52

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. Bankruptcy Code. Contact Indiana Bankruptcy Lawyers. Indiana’s Medical Debt.

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Bankruptcy Unsecured Debt Lawyers 52

Sawin & Shea

JANUARY 5, 2022

While you may not want to file bankruptcy, it is often the best choice if you are struggling to get by. Though filing for bankruptcy is a challenging process, it will go a lot smoother if you look into hiring an attorney to help. However, the situation can vary depending on whether you filed a Chapter 7 or a Chapter 13 bankruptcy.

Chapter 7 bankruptcy 52

Chapter 7 bankruptcy Creditors Bankruptcy Chapter 13 bankruptcy 52

Debt Free Colorado

MARCH 3, 2023

Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. The decision to file for bankruptcy is a significant one, and we are here to assist you in determining whether bankruptcy is the best course of action for your circumstances. Do Bankruptcies Come in Different Types?

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Credit Counselor Chapter 7 bankruptcy 52

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. It basically serves as a legally binding promise that the person filing for bankruptcy will resume making payments in full and on time to the creditor.

Chapter 7 bankruptcy 52

Chapter 7 bankruptcy Chapter 13 bankruptcy Bankruptcy Collateral 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. What is the Difference Between Chapter 7 and Chapter 13? Chapter 7 looks at assets that you owned at the time you filed. Who Is an Insider?

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Unsecured Debt 52

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.

Student loans 52

Student loans Student Loans Bankruptcy Chapter 7 bankruptcy 52

Sawin & Shea

MAY 2, 2024

One of our firm’s key strengths lies in our comprehensive understanding of both Chapter 7 and Chapter 13 bankruptcy options. Credit card balances, personal loans, and other unsecured debts can quickly spiral out of control, especially when combined with secured debts like a car loan or mortgage.

Bankruptcy 52

Bankruptcy Chapter 7 bankruptcy Chapter 13 bankruptcy Unsecured Debt 52

Sawin & Shea

JANUARY 21, 2021

If your mortgage company will not work with you on modification terms you can afford, a bankruptcy lawyer may be able to help you use Chapter 13 bankruptcy to save your house and free yourself from worrying about those overdue mortgage payments.

Chapter 13 bankruptcy 52

Chapter 13 bankruptcy Bankruptcy Chapter 7 bankruptcy Creditors 52

Debt Free Colorado

NOVEMBER 2, 2016

According to Experian : Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date. Chapter 13 bankruptcy will cycle off your credit report in 7 years after the filing date. Will I be Able to Get Credit After Bankruptcy? Can I Buy a Home After Bankruptcy? Absolutely.

Bankruptcy 40

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Lawyers 40

Sawin & Shea

APRIL 3, 2024

Due to the negative perceptions of bankruptcy, many professionals worry about whether bankruptcy affects their ability to retain professional licenses and certifications. How Will Filing Bankruptcy Impact My Professional License? For Chapter 13 and Chapter 7 attorneys in Indiana, contact Sawin & Shea, LLC.

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Garnishment Student loans 52

Debt Free Colorado

JANUARY 27, 2022

Medical debt is the primary reason Americans declare bankruptcy. Another aspect is the increased accessibility of credit loans, which makes it simpler for Americans to end up spending more than they can afford. Non-Exempt Assets and Chapter 13 Bankruptcy. Chapter 7 Exempts How Much Cash? domestic appliances.

Bankruptcy 75

Bankruptcy Chapter 7 bankruptcy Unsecured Creditor Debtor 75

Debt Free Colorado

OCTOBER 21, 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. Then bankruptcy may be your best option.

Bankruptcy 52

Bankruptcy Lawyers Chapter 13 bankruptcy Chapter 7 bankruptcy 52

Sawin & Shea

NOVEMBER 2, 2022

First, you should know that choosing bankruptcy is a smart, proactive way of lifting the burden of overwhelming debt. Here in the Hoosier state, more than 15,000 people file for bankruptcy in an average year, with about 58% choosing Chapter 7 and 41% choosing Chapter 13 bankruptcy.

Bankruptcy 52

Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Credit Card Debt 52

Sawin & Shea

AUGUST 2, 2023

You can file for bankruptcy in two different ways: Chapter 7 and Chapter 13. Filing for Chapter 7 bankruptcy centers on liquidating assets, while Chapter 13 bankruptcy focuses on reorganization. Unsecured debt includes things like credit card debt, medical debt, and personal loans.

Bankruptcy 52

Bankruptcy Chapter 7 bankruptcy Chapter 13 bankruptcy Unsecured Debt 52

Sawin & Shea

APRIL 24, 2024

Bankruptcy Filing and Preference Payments When a debtor decides that the best way forward is filing bankruptcy, that’s not a decision that is undertaken lightly. To determine the best way to proceed, and whether Chapter 7 or Chapter 13 bankruptcy are right for you, you should meet with an experienced bankruptcy lawyer.

Bankruptcy 52

Bankruptcy Unsecured Creditor Debtor Creditors 52

Debt Free Colorado

OCTOBER 12, 2023

We will discuss how to fill out bankruptcy forms in Colorado or any part of the country below. The complicated procedure of filling out bankruptcy documents needs the assistance of Colorado bankruptcy lawyers , like the Law Office of Clark Daniel Dray. Cosigners for auto loans and joint cardholders are frequent codebtors.

Bankruptcy 52

Bankruptcy Collateral Chapter 13 bankruptcy Chapter 7 bankruptcy 52