Andrew SawinWhen banks have difficulty collecting payments from debtors, they often resort to acquiring the assistance of debt collection agencies to gather payments on the debts owed. For people who have unresolved debt, this can result in harassing collection calls, persistent contact through the mail, and, in some cases, violations of privacy and of the FDCPA … Read More
Receiving a notice of a mortgage foreclosure can be terrifying. The prospect of losing your home can cause many people to act in a hasty or impulsive manner. This impulsiveness can lead good people to put their faith in companies that promise you a lot, but exist only to take your money or your … Read More
If you have an unpaid tax debt that you owe to the IRS, the IRS will likely start garnishing your wages. Tax garnishment, also known as a tax levy, is when the government begins to seize your property in order to pay off the debt you owe in back taxes and penalties. When a tax … Read More
The costs of higher education and high unemployment rates are leading to an increase in the number of bankruptcy cases involving student loan debt. The National Association of Consumer Bankruptcy Attorneys recently announced that more than four-fifths of bankruptcy lawyers have seen an increase in student loan cases. In 2010, federal and private student loan … Read More
If you have been thinking about filing bankruptcy, chances are pretty good that you are struggling under the weight of a significant amount of debt. Sometimes the cost of filing for bankruptcy and paying the associated lawyer fees can be completely overwhelming; in the cases where it is needed most, cost is often the factor … Read More
We meet with many people weekly that are having trouble making their house payment. In some cases a big part of their financial hardships are caused by having to pay on a second mortgage or a home equity line of credit (HELOC). One of our main goals in representing clients is to help them retain … Read More
Have you been thinking about Bankruptcy? One of the last places that people want to be is sitting across from me while we discuss options for their financial future. Many times some common misconceptions or fear about the bankruptcy process increase this anxiety, or worse, keep them from coming in to explore their legal … Read More
One of the most common concerns I hear from the clients in my practice is what happens after your bankruptcy is over and your debts are discharged. Whether filing Chapter 7 (liquidation of all assets with request to be discharged from financial obligations) or Chapter 13 (reorganization of debt), there are a few points to … Read More
The circumstances that cause a person to need to file bankruptcy can, unfortunately, occur more than one time in a person’s life. This is the reason that there are no set limits on how many times a person (or married couple) can file for bankruptcy. There are some time limits to consider, however, that determine … Read More
Many of the clients that I see have waited to come in to talk to me about bankruptcy after something financially devastating happens, such as a wage garnishment, foreclosure, or repossession. I understand that the last place a person wants to be is in my office talking about bankruptcy. I hear from my clients on … 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.
