Andrew Sawin
It is estimated that in the United States, about 770,000 people file for bankruptcy every year. Filing for bankruptcy involves completing official government forms and following a specific process. You’ll need to familiarize yourself with federal bankruptcy laws as well as your state’s specific rules, including important exemptions that could protect your property and belongings. … Read More
Members of the military are expected to maintain financial stability and a certain standard of living. For certain military security clearances, you must have a clear financial history. However, many people enter the military with existing financial issues, or encounter new issues during their time in the service. Good news – bankruptcy affords military personnel … Read More
When you file for bankruptcy, the process is guided by both state and federal laws. Federal law controls most aspects of the bankruptcy process. However, each state has its own laws about things like property exemption limits (what you can keep in bankruptcy) and income thresholds. Different jurisdictions also have local rules that interplay with … Read More
Are you ready to open a fresh financial chapter in your life? Chapter 7 bankruptcy can be a positive way to do it – only if it’s appropriate for your situation. A Chapter 7 bankruptcy, also known as a liquidation bankruptcy, examines your assets to see if there are any that are not exempt from … Read More
If you’re considering filing for Chapter 7 bankruptcy, your top concerns are probably your debts, your home and your financial outlook. What about the things that have important sentimental value to you, such as personal treasures like jewelry and heirlooms? You wouldn’t want to lose your grandmother’s wedding ring or a pocket watch that’s been … Read More
It’s a common to hear that student loans can’t be wiped out by bankruptcy. In some cases, they can be – but it’s a difficult thing to accomplish. Simply filing for Chapter 7 or Chapter 13 bankruptcy won’t discharge student loans. Loans made for an educational purpose can only be discharged by filing a special … Read More
Imagine going through bankruptcy and being able to save your home, your car, the tools or equipment you need for your job and – most importantly – your peace of mind. When you file for bankruptcy, exemptions offer these opportunities. They can protect your assets and keep your payments low, so you can get back … Read More
Are you surprised when law enforcement or the motor vehicle department takes your driver’s license away? Are you having difficulty getting it back? Drivers can lose their licenses for a wide variety of reasons, including unpaid traffic tickets, building up too many points on your license, not having insurance, forgetting to renew it or simply … Read More
When a creditor wants to get paid, they sometimes resort to serious measures – including bringing an involuntary bankruptcy against someone who owes them money. If you’re the debtor, this creates a frustrating situation, one you probably didn’t expect. Suddenly, you find yourself dealing with a bankruptcy you did not initiate yourself. Is it possible … Read More
If you’re considering bankruptcy, certain myths about filing may be holding you back. You might be confused about what bankruptcy means or uncertain how the process unfolds. Don’t let these concerns keep you from finding a path to a new financial future. Let’s look at some common misconceptions about bankruptcy and the truth behind them. … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
