Richard Shea
Are you considering filing for bankruptcy? Timing can be very important. It is prudent to take a look at your activities over the last few months before actually filing a case. Some situations can decrease the benefits available to you from Chapter 7 or Chapter 13 bankruptcy. An experienced bankruptcy attorney can help you decide … Read More
Spending three to four months going through Chapter 7 bankruptcy can be an emotional roller coaster for the filer. You wonder when you will ever get your life back on an even keel. If you are worried that your credit will be ruined forever, we can tell you it will not be. In fact, for … Read More
As of 2016, the total amount of loan debt for students and their parents is $1.35 trillion; an amount that sadly increases by $2,726 every second. The average debt young adults have after graduation is $29,000. With Federal student loans capped and college expenses continuously rising, a gap is left uncovered. Parents often step in … Read More
In today’s tough economic times, our golden years may not be as golden as once thought. Many seniors (individuals 60 years or older) entering retirement find their income reduced and expenses on the rise. Do you have mounting medical bills, massive credit card debt or both? Consult a bankruptcy law specialist like Sawin & Shea … Read More
Very often, divorce settlements are a critical reason why people fail to repay their debts and file for bankruptcy. Why? A divorce is messy enough without bringing finances into the equation. Filing a joint bankruptcy prior to the divorce, can is some circumstances, provide a solution. Can a spouse become liable for the other spouse’s … Read More
Unemployment is one of the top three reasons people file for bankruptcy. No one is ever ready, emotionally or financially, to be laid off or fired. Losing your income can quickly escalate into missed mortgage or car payments. Before things get out of control, consider filing for bankruptcy to help protect your savings and retirement. … Read More
A reoccurring cause for many individuals who file for bankruptcy is mounting healthcare debt. Even for those with health insurance, when faced with sudden or ongoing health issues along with rising out-of-pocket expenses and higher deductibles, many are forced into financial hardship. If you are burdened with medical debt that you cannot afford, bankruptcy may … Read More
A growing concern for students both young and old, outstanding school loan payments have risen to critical mass in this country. Learn ways to help alleviate the stress of student debt. In 2014, total outstanding student loan debt in the U.S. rose to nearly $1.2 trillion, according to the New York Fed. In the fourth … Read More
It can happen to anyone. A notice arrives in the mail or is delivered by a deputy sheriff. A creditor has initiated a lawsuit against you. You have been sued. The creditor initiating the lawsuit wants to take things from you by Court process. In Indiana a judicial garnishment can take up to 25 percent … Read More
In our practice, we see many people that felt like they were in between a rock and a hard place, because they had a decent job and income, but also a load of high interest credit card debt that never seems to go down. Sometimes these people thought that they would not qualify for bankruptcy. … Read More
Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
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.
