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
If 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
When 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
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
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
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
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
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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.
