Sawin & Shea

OCTOBER 26, 2022

Discharging Personal Loans Through Chapter 7 Bankruptcy. Whether or not you should discharge a personal loan in Chapter 7 bankruptcy will depend on if the loan is secured or unsecured. A bankruptcy filer can also discharge an unsecured personal loan when there’s a lawsuit revolving around it.

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Debt Free Colorado

JUNE 18, 2024

Know How to Stop Creditor Harassment & Wage Garnishment Debt can be a heavy burden. You may be considering Chapter 7 bankruptcy. Consulting with a Chapter 7 bankruptcy attorney in Boulder, CO, can help determine if it is the right solution. What is Chapter 7 Bankruptcy?

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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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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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Debt Free Colorado

DECEMBER 9, 2021

Most people filing for either Chapter 7 or 13 bankruptcy will work directly with an attorney to determine the best option for each financial circumstance. Chapters 7 and 13 of the Bankruptcy Code – Awareness. You should get legal assistance from a knowledgeable bankruptcy attorney in Denver.

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Sawin & Shea

JANUARY 12, 2021

For someone who’s pursuing Chapter 7 bankruptcy , this is especially important. Chapter 7 bankruptcies are liquidation bankruptcies, meaning non-exempt assets can be liquidated to pay your creditors back something. One of the most common assets that bankruptcy trustees seize is your tax refund.

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Sawin & Shea

JANUARY 5, 2022

Though filing for bankruptcy is a challenging process, it will go a lot smoother if you look into hiring an attorney to help. Working with a lawyer will help ensure you get the most benefit from your case, and they can answer any questions and help alleviate your concerns. Adding a Creditor After a Chapter 7 Filing.

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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. Chapter 7 sells your assets to pay off debts.

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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. What Is Chapter 7 Bankruptcy?

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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. Their role involves identifying any non-exempt property and selling it to benefit creditors.

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Sawin & Shea

APRIL 6, 2021

Just months after filing for bankruptcy, many people find new credit card offers in their mailboxes because the credit bureaus are already reporting a better score. Contrary to popular belief, bankruptcy doesn’t ruin the dream of becoming a homeowner. During a Chapter 7 bankruptcy, you’ll likely be ineligible to get a home loan.

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Debt Free Colorado

JANUARY 10, 2022

To help you in making an intelligent choice, this blog discusses the different types of bankruptcies along with their pros and cons so you can choose which one best suits your financial situation. Bankruptcy Defined. Bankruptcy is a legal process to discharge debt and starts with a bankruptcy petition filed in court.

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Sawin & Shea

MARCH 14, 2023

If you’re filing for Chapter 7 bankruptcy , you can retain exempt assets and protect them from seizure but only up to a particular point. The court-appointed bankruptcy trustee can confiscate any non-exempt assets to liquidate in order to pay back some of your debts. Why Did Bankruptcy Exemptions Increase in Indiana?

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Sawin & Shea

NOVEMBER 15, 2022

If a potential employer runs a background check, they’ll discover your bankruptcy. And if they search your credit history, they’ll also likely spot your bankruptcy filing. A Chapter 7 bankruptcy remains on your credit history for ten years, and a Chapter 13 bankruptcy will stay on your credit history for seven years.

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Sawin & Shea

JULY 5, 2023

Declaring Chapter 7 bankruptcy may be the best solution in cases like this. There are effects that should be considered, preferably alongside a bankruptcy attorney. What is Chapter 7 Bankruptcy? Filing for bankruptcy is more common than you might think. How Can a Bankruptcy Attorney Help Me?

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Debt Free Colorado

FEBRUARY 17, 2023

Filing Bankruptcy for A Fresh Start in Colorado Whether you’ve lost your job or experienced insurmountable medical expenses on your credit card, or incessant calls from your creditors, you can get a fresh start by declaring bankruptcy. A bankruptcy discharge is a moment when you are no longer liable for any debt.

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Sawin & Shea

MARCH 13, 2024

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. Entering a reaffirmation agreement is a way that debtors in a Chapter 7 bankruptcy keep collateral attached to secured debt like houses or cars.

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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. One of our firm’s key strengths lies in our comprehensive understanding of both Chapter 7 and Chapter 13 bankruptcy options.

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Sawin & Shea

DECEMBER 8, 2021

In this blog, you’ll learn about some of the factors you should take into consideration before filing for bankruptcy. If you’re considering filing for bankruptcy, we encourage you to contact experienced bankruptcy lawyers today. Should I File for Bankruptcy? Call Indiana Bankruptcy Lawyers.

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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

AUGUST 24, 2020

There are many intricacies that set Chapter 7 and Chapter 13 Bankruptcy apart. Chapter 7 Bankruptcy: A petition is filed in the Bankruptcy Court seeking a discharge of most types of debts. A Chapter 13 can help people get caught up on a mortgage or car loans. What does each one mean?

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Debt Free Colorado

JANUARY 27, 2022

They then exercise control over the merchandise sold to satisfy creditors. They will sell them and use the revenues to pay for the bankruptcy’s fees , charges, and expenditures before paying creditors. The Trustee confiscates your bank and savings accounts when the bankruptcy order is issued.

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Sawin & Shea

OCTOBER 20, 2021

However, for some, debts are often so unmanageable and add up over time that two consecutive bankruptcy filings might be necessary. You should only file for successive bankruptcies if truly necessary and with the full intention of following through on the process. Filing Again After Chapter 7 Bankruptcy.

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Sawin & Shea

OCTOBER 20, 2021

However, for some, debts are often so unmanageable and add up over time that two consecutive bankruptcy filings might be necessary. You should only file for successive bankruptcies if truly necessary and with the full intention of following through on the process. Filing Again After Chapter 7 Bankruptcy.

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Sawin & Shea

FEBRUARY 16, 2022

An emergency bankruptcy is a bankruptcy filing method that expedites the filing process to stop creditors and bill collectors from seeking debts from borrowers. Individuals can file an emergency bankruptcy, also known as a skeleton bankruptcy, under Chapter 7 and Chapter 13.

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Sawin & Shea

APRIL 17, 2024

In this blog, we’ll discuss how Chapter 13 usually affects credit scores, and we’ll give you actionable tips to begin rebuilding your credit. If you have additional questions regarding Chapter 13 or Chapter 7 bankruptcy, contact the attorneys at Sawin & Shea, LLC.

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Debt Free Colorado

NOVEMBER 28, 2024

The two most common types are Chapter 7 and Chapter 13 bankruptcy. Chapter 7 Bankruptcy The liquidation process is managed by a trustee who sells non-exempt assets to pay creditors. A key benefit of Chapter 7 bankruptcy is the quick discharge of debts.

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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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Troutman Sanders

NOVEMBER 8, 2023

Ultimately, the plaintiff filed for chapter 7 bankruptcy protection, listed the defendant as an unsecured creditor, and obtained a discharge of her debt. The plaintiff’s lawyer sent two faxes to the defendant providing notice that the plaintiff was represented by counsel.

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Sawin & Shea

SEPTEMBER 6, 2023

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. What to Do to Stop Foreclosure? Should I See an Attorney?

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Sawin & Shea

FEBRUARY 23, 2022

This plan will allow for one monthly payment to wrap up most types of debt and will provide you with automatic court protection from your creditors. 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

FEBRUARY 21, 2024

What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy allows people with regular income to develop debt repayment plans to discharge their eligible debts over 3 to 5 years. This is different from Chapter 7 bankruptcy which liquidates assets to pay back debts but does not involve a structured repayment plan.

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Debt Free Colorado

APRIL 9, 2020

Below you’ll find some strategies for working with your creditors and deciding which bills are the most important if you can’t pay them all. Reach out to your creditors. The decisions regarding which creditors get paid and which do not can have long term consequences and will require a strategy. Triage your finances.

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Sawin & Shea

AUGUST 2, 2023

Many people ask, when should you file for bankruptcy? Bankruptcy Relief Filing for bankruptcy can not only assuage the anxiety and guilt associated with insolvency, but it can provide much-needed relief from creditors’ harassing phone calls. Many people say this is one of the best benefits of filing for bankruptcy.

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Sawin & Shea

MAY 10, 2023

Defining the Most Common Types of Bankruptcy Before diving into bankruptcy’s implications for your nest egg, here is an explanation of the two most common types of bankruptcy. Chapter 7 bankruptcy or liquidation bankruptcy, allows you to discharge all or most of your debt.

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Sawin & Shea

MARCH 27, 2024

In this blog, we take a close look at ways Chapter 7 bankruptcy affects future or current employment. If you have additional questions, we encourage you to read our online articles about filing bankruptcy. What Is Chapter 7 Bankruptcy? Chapter 7 is often referred to as liquidation bankruptcy.

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Sawin & Shea

FEBRUARY 7, 2024

We’ll also unpack paying bankruptcy fees in installments and why it’s best to enlist the experienced bankruptcy attorney. While you can technically file bankruptcy for free without a lawyer, it’s important to retain one if possible. Fortunately, filing for bankruptcy places an automatic stay on your assets.

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