Andrew Sawin
Chapter 7 bankruptcy (and Chapter 13) discharges much of your responsibility to pay debts. It does not, however, remove liens attached to your personal or real property except in certain circumstances. When you finance a home or new car, you agree to guarantee the loan with collateral – the house or car you used … Read More
If you’ve ever asked a family member or friend to cosign a loan, it seems like a standard agreement until you consider the risks they are taking on your behalf. Filing for bankruptcy could also have consequences for your cosigner. If you consider filing, an experienced bankruptcy attorney can help you decide what type of … Read More
The mandatory 341 meeting is a very important part of the bankruptcy process. The meeting occurs 20 to 40 days after you file for Chapter 7 or Chapter 13 bankruptcy so the court-appointed Trustee and your creditors can review your financial information before the court rules on discharging your debts or approving your Chapter 13 … Read More
Chapter 13 bankruptcy is meant to rebuild your financial life. Filing for bankruptcy not only stops creditor harassment, it forces you to decide which executory contracts and leases you might want to retain. From the lease on your apartment to an agreement on equipment for your business, they are reviewed as part of a Chapter … Read More
If you become eligible to inherit money or property in the six months following your bankruptcy filing, the proceeds are considered assets of your bankruptcy estate and can be used to help pay your creditors back. Despite sounding straightforward, the rules governing exemption for these life insurance policies and benefits are complicated. Unless protected, they … Read More
Filing for bankruptcy can help alleviate the stress of overwhelming debt. It does not mean everything in your life is put on hold. Keeping your home and car insurance up-to-date is imperative, and, in many cases, required. Insurance protects you during bankruptcy and after your case is discharged. Whether you are going through Chapter 7 … Read More
There are close to two million victims of domestic violence each year. Abusers dish out physical damage on their spouses, as well as financial distress. The exploitative partner uses the victim’s financial situation to punish and control them. They make it impossible for the victim to leave or begin again. The legal community can … Read More
If you are applying to become a citizen of the United States, congratulations! Applying for citizenship does not hinge on having a spotless financial record. The main criterium is that you be of “good moral character.” A United States Citizenship and Immigration Services (USCIS) agent will determine for you what defines a “good moral character.” Your … Read More
Being in debt can feel like you are living in a black hole. Everything gets sucked in or is affected by it. One of the things you do not want to have disrupted is your job. It is one of the lifelines that is getting you out of this current situation. If you worry filing … Read More
Today’s families often spend a sizeable portion of their income on childcare. The average household pays around $18,000 a year for daycare of pre-school age children. This sum means less money goes into savings or emergency funds and more debt builds up on credit cards. Ongoing childcare expenses can help a person qualify for a … 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.
