Richard SheaIf you are a high income earner, it is less likely that you will qualify for a Chapter 7 bankruptcy. But what happens if you have credit card debts and fail to qualify for a Chapter 7? It is common knowledge that Chapter 7 eliminates all legally dischargeable unsecured debts completely. What happens to unsecured … Read More
The Problem with Mounting Debts Mounting debts can be a problem in more ways than one. Wage Garnishment Creditor can Seek Legal Help – One option before the unpaid creditor is to garnish wages. Wage garnishment is the creditor exercising a legal option to seek claim to the wages of the debtor. Creditor gets Debtor’s … Read More
When you get behind on your bills or are facing a lawsuit, you may turn your attention to finding legal help. It can be very difficult deciding which law firm to choose, and you should not rely on just any ad you find in the Yellow Pages or online. When selecting an attorney to assist … Read More
Recently I have noticed clients coming into my office with a foreclosure sheriff’s sale pending on their residence. They have been in contact with their mortgage company, sometimes for months, working on a loan modification. I advise that they should not trust that the mortgage company will stop the sale of the home due … Read More
Are you tired of being bullied by your mortgage bank? We are here to help you fight. The mortgage banks have attorneys on their side. We can provide legal assistance to fight against foreclosure no matter what stage the process is in. We can help you take on your mortgage lender and fight to keep … Read More
The 2011 bankruptcy and foreclosure statistics show a 12% reduction in personal bankruptcies and a 34% reduction in foreclosures. Of these bankruptcies, close to 70% of the filings were Chapter 7 bankruptcies, which discharges debt and allows the debtor to avoid repayment. The other third involved Chapter 13 bankruptcies, which allow the debtor to force … Read More
One of the most common questions we are asked in our bankruptcy practice is about how filing will affect credit. The truth is in the vast majority cases bankruptcy filing improves a person’s credit. The filing stops ongoing negative reporting for old delinquent debts and provides a starting point to help you start to re-establish … Read More
The good news is that under both Indiana law and federal bankruptcy law most types of retirement accounts are given broad protection from creditors and seizure in bankruptcy. This means that you are able to keep your ERISA qualified retirement plan, pre-tax plans such as your IRA, 401(k), and 403(b), and Roth IRA through the … Read More
Often, the first question a new client has for me is regarding what types of debts can be discharged or eliminated in a bankruptcy. Many times this question arises because they heard things like “medical bills can’t be discharged” from a friend, family member, or at work. Medical bills most definitely can and will be … Read More
I receive several calls a week from people that are shocked to discover that a big chunk of their paycheck is gone due to a wage garnishment. The good news is that I can generally help them stop the garnishment with either a Chapter 7 or a Chapter 13 bankruptcy. The bad news is that … 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.
