Public Citizen

OCTOBER 29, 2020

The National Consumer Law Center issued a report on the impact of debt-collection during the pandemic and state laws that help, or harm, struggling families. Communities of color are disproportionately burdened by debt, disproportionately subject to judgments in collection lawsuits, and disproportionately subject to wage garnishment.

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Garnishment Debt collector Repossession Credit Card Debt 75

Credit Corp

JUNE 14, 2023

Car Repossession It’s important to realize that an auto loan is a type of secured loan. This process is referred to as repossession. Laws regarding car repossessions vary from state to state. Laws regarding car repossessions vary from state to state. How Late on Your Car Payments Can You Be Before the Car Is Repossessed?

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Repossession Student Loans Student loans Lender 83

Sawin & Shea

OCTOBER 26, 2022

If you fail to repay an unsecured personal loan, the lender cannot repossess your assets. Repossession deficiency claims. Unlike unsecured personal loans, secured loans involve some form of collateral that the lender can repossess if the borrower fails to make payments. Unsecured loans are loans that don’t have collateral.

Personal loans 98

Personal loans Chapter 7 bankruptcy Bankruptcy Chapter 13 bankruptcy 98

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. Repossessions are pending. What sets Sawin & Shea, LLC apart is our commitment to clear communication and accessibility.

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Bankruptcy Chapter 7 bankruptcy Chapter 13 bankruptcy Unsecured Debt 52

Collection Industry News

JULY 20, 2020

DEBT COLLECTORS, facing growing demands to freeze the collection of debt across the country amid the economic hardship caused by the coronavirus pandemic, are mobilizing their lobbyists to push back. In New York, residents are receiving a 30-day reprieve from the collection of state-owned medical and student debt.

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Garnishment Debt collector Collections Accounts Receivables Management 40

Sawin & Shea

JANUARY 18, 2023

Filing Chapter 7 bankruptcy provides you with an automatic stay that prohibits creditors from being able to take any action to collect a debt against you, such as repossessions, wage garnishment, and legal action. What Happens After You File Chapter 7 Bankruptcy? Additionally, your creditors will not be allowed to contact you.

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Chapter 7 bankruptcy Bankruptcy Chapter 13 bankruptcy Unsecured Debt 81

Roths Child Law

FEBRUARY 19, 2021

Put an end to creditor collection activities. Typically, you'll receive a stay of debt collection activities as soon as a judge receives your bankruptcy petition. Once the stay goes into effect, creditors are no longer able to call, write letters or file lawsuits in an effort to collect a past-due balance.

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Bankruptcy Chapter 7 bankruptcy Repossession Garnishment 52

Roths Child Law

DECEMBER 10, 2020

Do you need immediate relief from garnishment, repossession or other aggressive collection methods? The types of debt your company owes could determine which chapter of bankruptcy makes the most sense for your situation. If so, bankruptcy can provide immediate relief from these things through the automatic stay.

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Bankruptcy Repossession Garnishment Collections 72

Sawin & Shea

NOVEMBER 15, 2023

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). One of the benefits of declaring bankruptcy is that debt collectors cannot try to collect on debts that were discharged in bankruptcy.

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Unsecured Debt Chapter 7 bankruptcy Collateral Bankruptcy 52

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. You’ll even have protection from collection calls and other forms of aggressive communication.

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Albuquerque Law

MAY 5, 2020

The SCRA protects active military service members and their families before and during bankruptcy proceedings by preventing or postponing: Default judgments on debt collection; Eviction or foreclosure; Repossession of their vehicle; Civil court proceedings; and Wage garnishments.

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Repossession Bankruptcy Credit Card Debt Garnishment 40

Sawin & Shea

JANUARY 24, 2024

The Pros Bankruptcy can stop foreclosures , repossessions, lawsuits, wage garnishment, utility shut-offs, and debt collection activities through its automatic stay provision. Your assets are protected while you make monthly payments to creditors through the court.

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Debt Consolidation Bankruptcy Chapter 13 bankruptcy Collateral 52

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. From July 2020 to June 2021, there were 15,719 bankruptcies filed in Indiana.

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Chapter 7 bankruptcy Bankruptcy Chapter 13 bankruptcy Unsecured Debt 52

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. Instead, when a debtor fails to pay, the lender must first file a lawsuit in order to collect what is owed.

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Unsecured Debt Collateral Secured debt Bankruptcy 52

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. While credit cards and other unsecured loans are almost always the most aggressive when it comes to collecting debts, they should generally be your lowest priority. Your Mortgage.

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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. Choosing the right solution is a big step that could affect your life for years to come. You deserve a fresh start.

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Bankruptcy Chapter 13 bankruptcy Chapter 7 bankruptcy Lawyers 52

Sawin & Shea

JUNE 7, 2023

Cosigner Responsibilities: Bankruptcy and Debt Collection If a primary borrower declares bankruptcy, the co-signer associated with the debt may be responsible to pay back creditors, but this will depend on the type of bankruptcy that the primary debtor filed.

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Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Personal loans 52

Debt Free Colorado

DECEMBER 9, 2021

Complete protection from creditors – This includes wage garnishment and debt collection. Occasionally, creditors may refuse to repossess little goods due to the expense of picking them up. Even if you have been discharged, unpaid debts may result in foreclosure or repossession. The Majority of Unsecured Debts.

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Chapter 13 bankruptcy Chapter 7 bankruptcy Bankruptcy Unsecured Debt 75

Sawin & Shea

JANUARY 11, 2024

There are some key differences between these two types of bankruptcy.

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Education Debtor Bankruptcy Chapter 13 bankruptcy 52

Sawin & Shea

JUNE 21, 2023

Removal of your automatic stay protection : You’ll no longer have protection from your creditors, potentially leaving you vulnerable to wage garnishment, debt collection lawsuits, repossessions, and foreclosures.

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Sawin & Shea

MARCH 7, 2023

When you file for Chapter 7 bankruptcy, the Court will place an automatic stay upon filing, which stops creditors from collecting payments, garnishing wages, or repossessing property. You will be assigned a trustee during the process who will review your assets and finances. However, every case is different.

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Chapter 7 bankruptcy Lawyers Bankruptcy Unsecured Debt 52

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. It is a stopgap measure as ultimately there is not a discharge at the end of a plan.

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Chapter 7 bankruptcy Chapter 13 bankruptcy Bankruptcy Unsecured Debt 52

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. It is a stopgap measure as ultimately there is not a discharge at the end of a plan.

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Chapter 7 bankruptcy Chapter 13 bankruptcy Bankruptcy Unsecured Debt 52

Debt Free Colorado

MARCH 3, 2023

What Can’t Bankruptcy Do?

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Troutman Sanders

JULY 27, 2023

The findings included in the report cover examinations in the areas of auto origination, auto servicing, consumer reporting, debt collection, deposits, fair lending, information technology, mortgage origination, mortgage servicing, payday and small dollar lending, and remittances.

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Lender Collections Repossession Retrieval 52