Andrew Sawin
When bills are piling up and you’re losing hope that there’s a light at the end of the tunnel, a bankruptcy reorganization plan can be the best path forward. and clarify the next steps in your financial future. Filing for bankruptcy keeps most creditors at bay so you get a chance to catch up. How … Read More
Filing for bankruptcy requires a proactive mindset. It’s not something that happens to you, it’s something you make happen. That’s why it’s important to prepare for bankruptcy and ensure you’re ready for everything to come. You’ll need to educate yourself about bankruptcy terms, fill out specialized forms and decide between Chapter 7 and Chapter 13 … Read More
Do you have equity in your home? If so, it’s an asset that can be protected, to a degree, during bankruptcy. When you file for Chapter 7 or Chapter 13 bankruptcy, the homestead exemption can help you safeguard your property and preserve your well-being. The homestead exemption differs by state, and there is also a … Read More
If you’re considering filing for Chapter 7 or Chapter 13 bankruptcy, it’s important to understand which financial issues bankruptcy will – and won’t – be able to address. Bankruptcy can take a weight off your shoulders and offer temporary or permanent relief from debt. However, it is not a cure-all. Some types of debt can’t … Read More
As you file for Chapter 7 or Chapter 13 bankruptcy, your attorney will help you prepare numerous forms that use bankruptcy terms like contingent, unliquidated and disputed. The goal of filling out these forms is to list all your debts and property assets, so you and the Trustee assigned to your case can understand your … Read More
Going through bankruptcy while trying to pass security clearance is a tough situation. Every aspect of your life is under a microscope. Not only is the military and governmental agencies asking comprehensive and in-depth questions, so is the bankruptcy court. Filing for bankruptcy (either Chapter 7 or Chapter 13) does not automatically lead to a … Read More
Many couples going through divorce find filing for joint bankruptcy can often alleviate some of the issues causing their marital friction. How you and your ex-spouse work together will determine how a joint Chapter 13 bankruptcy can proceed. Talk with the lawyer handling your joint bankruptcy case early. How Can Divorce Disrupt a Joint Chapter … Read More
If you are currently struggling to pay bills, take time to review your situation with an experienced bankruptcy attorney. Both Chapter 7 and Chapter 13 bankruptcy can stop creditor harassment, but neither solves bad financial habits. Understanding how you got into debt helps you avoid it in the future. Have you have been spending more … Read More
With 10,000 Baby Boomers turning 65 every day, why aren’t more people retiring? A recent survey predicts that by 2026, 60% of seniors 60-64 will still be working. Two in five of those questioned say they have no plans to retire until age 70. Why are they holding off retirement? The primary reason is the … Read More
Each year, 500,000 Americans file for bankruptcy. They start this journey for a million different reasons, ultimately traveling the same path. Everyone must face the daunting task of reconstructing their credit rating. A Chapter 13 filing stays on your records for seven years while Chapter 7 remains for 10 years. Bankruptcy, however, does not taint … 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.
