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Chapter 7 bankruptcy Lawyers Loans 
Sawin & Shea
OCTOBER 12, 2022
Filing Chapter 7 bankruptcy provides numerous Indiana residents with debt relief. Fortunately, the vast majority of Chapter 7 filers are able to retain all of their property while also discharging their debts. Indiana Chapter 7 Bankruptcy Exemptions.
Sawin & Shea
MARCH 7, 2023
If you’re struggling with debt and considering bankruptcy, speaking with a bankruptcy lawyer can help you determine your best options and give you some clarity on how the process works. At Sawin & Shea, LLC, our Chapter 7 Bankruptcy lawyers have helped clients just like you in the Indianapolis and surrounding areas.
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Sawin & Shea
OCTOBER 26, 2022
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 best suits your financial situation.
Sawin & Shea
SEPTEMBER 14, 2022
When filing Chapter 7 or Chapter 13 bankruptcy, it’s critical to understand the difference between consumer debt and non-consumer debt. If you’re considering filing Chapter 7 or Chapter 13 bankruptcy, consider enlisting the help of skilled bankruptcy attorneys.
Sawin & Shea
MARCH 15, 2022
Your investment real estate’s outcome depends entirely on whether you file for Chapter 7 or Chapter 13 bankruptcy. Investment Real Estate in Chapter 7 Bankruptcy. Chapter 7 bankruptcy is a great option for those looking to discharge eligible debts.
Debt Free Colorado
DECEMBER 7, 2016
Chapter 7 bankruptcy may seem intimidating, but as you can tell from the following infographic, the steps that go into successfully completing your case are pretty straightforward. For those of you who may not be able to view the image, the text follows: Chapter 7 Bankruptcy Timeline. 13 bankruptcy.
Sawin & Shea
JULY 6, 2022
A common question we receive from those considering bankruptcy is how it impacts personal guarantees. If you’re considering filing for bankruptcy, you need to consult with a bankruptcy attorney before signing a personal guarantee. A personal guarantee loan is a signed agreement stating that you’re liable for a debt.
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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). Advantages of Chapter 7 Bankruptcy. Disadvantages of Chapter 7 Bankruptcy.
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?
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.
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.
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Debt Free Colorado
JUNE 18, 2024
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. Our blog will provide a general overview of Chapter 7 bankruptcy. Filing for Chapter 7 bankruptcy triggers an automatic stay.
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?
Debt Free Colorado
JANUARY 10, 2022
Advantages and Disadvantages of Bankruptcy Chapter 7. 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. . Filing a Chapter 7 bankruptcy is not costly.
Sawin & Shea
FEBRUARY 22, 2023
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. This differs from Chapter 7 bankruptcy because debtors are at risk of losing their homes during the Chapter 7 liquidation process.
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?
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?
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.
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.
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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. However, because assets do not secure these debts, bankruptcy may help eliminate them.
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.
Sawin & Shea
MAY 8, 2024
However, dealing with financial hardships like bankruptcy can make that dream seem out of reach. But, Can You Buy a House After Chapter 7 with a Co-Signer? If you’ve gone through a Chapter 7 bankruptcy , you may be wondering if homeownership is still possible for you, especially if your credit has taken a major hit.
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.
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.
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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.
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. Adding a Creditor After a Chapter 7 Filing.
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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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.
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. What happens to non-exempt property in a Chapter 7 bankruptcy? Chapter 7 Exempts How Much Cash?
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Sawin & Shea
FEBRUARY 21, 2024
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. How Can a Bankruptcy Lawyer Help?
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.
52 
Debt Free Colorado
NOVEMBER 2, 2016
The average credit score before someone filed Chapter 7 was 538.2 How Long Does Bankruptcy Stay on my Credit Report? According to Experian : Chapter 7 bankruptcy will remain on your credit report for 10 years from the filing date. Will I be Able to Get Credit After Bankruptcy?
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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.
52 
Sawin & Shea
OCTOBER 11, 2023
What’s the Difference Between Chapter 7 and Chapter 13? Put simply, Chapter 7 is all about liquidation while Chapter 13 is about reorganization. In the case of a Chapter 7 bankruptcy, the court appoints a trustee who is in charge of selling off (liquidating) a declarer’s non-exempt assets.
52 
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.
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? Unsecured debt includes things like credit card debt, medical debt, and personal loans.
52 
Sawin & Shea
NOVEMBER 2, 2022
Is it Possible to File Bankruptcy Without Telling Your Spouse? Wondering if you have to tell your spouse about the bankruptcy? It would be challenging to make it through the entire bankruptcy process without them finding out. Your bankruptcy may erroneously show up on your spouse’s credit report in the future.
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. What Should I Consider Before Filing for Bankruptcy?
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.
Debt Free Colorado
APRIL 30, 2024
Quick Summary: Chapter 7 and Chapter 13 are the two main bankruptcy chapters that can discharge credit card debt. Qualifying for Chapter 7 bankruptcy depends on your income and expenses through the means test. Is My Credit Card Debt Dischargeable in Bankruptcy?
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.
52 
Sawin & Shea
JANUARY 21, 2021
You may need to accept the eviction and move, with a bankruptcy discharge helping you secure a new rental home or apartment. Chapter 7 bankruptcy is a way to erase old rental debt and start fresh. Chapter 13 bankruptcy can force a creditor like your mortgage company to accept a reorganization plan.
Sawin & Shea
APRIL 3, 2024
Professional Licenses and Loan Defaults While a bankruptcy filing alone shouldn’t ruin your chances of obtaining a license, defaulting on certain loans and debts can. Additionally, bankruptcy may indicate other financial problems that can impact your status with your employer, such as fraud or defaulting on certain loans.
52 
Collection Industry News
SEPTEMBER 23, 2020
The increase in lawsuits filed against consumers for unpaid medical debt, credit card bills, automobile loans and other collection issues comes as no surprise to attorneys and others working in the industry. Some think the creditor’s lawyer will steamroll over them and they do not have any real way to fight back.
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