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
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
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
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
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
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
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
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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.
