Andrew Sawin
When you file bankruptcy, a person called a bankruptcy trustee is assigned to your case to make an inquiry into your situation. This inquiry involves looking at your assets. Your assets include everything you own or which you have an ownership interest. In most cases everything you have is exempt from seizure. The attorneys at … Read More
When a spouse files for personal bankruptcy, questions may arise about the status of jointly owned properties such as homes or businesses. If you are unsure what assets will be affected when filing Chapter 7, consult the bankruptcy law specialists at Sawin & Shea today. If I File for Bankruptcy, Will My Spouse Lose Their … Read More
Going through bankruptcy to clear yourself of debt takes time. Once you receive your bankruptcy discharge, you understandably are ready to get your life back on track. Rebuilding your credit is a crucial part of your recovery. If creditors are still listing discharged debts as past due after your discharge date on your credit report, … Read More
Even after realizing that bankruptcy is the best way to get out from under debt, it can still take an emotional toll on you. For many, the perceived shame and stigma of bankruptcy leaves them questioning their self-worth. However, a lot of my clients approach me after their bankruptcy is over and tell me that … Read More
Creditors are prohibited from engaging in debt collection after an individual files for bankruptcy. The Fair Debt Collection Practices Act (FDCPA) protects you from certain types of harassment by collection agents. If you are experiencing aggressive collection calls and letters, contact a bankruptcy law firm like Sawin & Shea to take action on your behalf. … Read More
One of the greatest fears for people filing for bankruptcy is whether they will lose their home or other assets that they have worked hard to obtain. Bankruptcy is not meant to strip you of everything you own. Its function is to get you out from under overwhelming debt and back on track to fiscal … Read More
We all enter into marriage with the highest of hopes. A significant number of those marriages will not make it in the long run. It has been widely reported that approximately 40 to 50 percent of marriages end in divorce. Adding to the heartbreak of divorce is often crippling financial problems. We see clients every … Read More
Most people would like to have the financial resources to provide for their families, plan for the future, and have something left over to have some fun. For many of us, however, the debt hanging over our heads makes these thoughts seem a goal that is out of reach. Sometimes, a person’s problems with debts … Read More
About 80% of Americans are in debt, which is not surprising considering that 43% of American families spend more than they earn. The average household debt statistics for 2015 are staggering. The average credit card debt for households that have debt amounts to more than $15,000.00. The average interest rate on credit cards is almost … Read More
Many clients come to us having difficulties making payments on their house or investment real estate. Like so many homes or investment properties these days, they are often underwater on their mortgages, owing more on the loan than the property is worth. When people are in this situation they want to know if it is … 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.
