If your debts are mounting and your creditors file lawsuits against your relating to debt, the resulting judgments can become liens against real estate (a house or land) that you own. A lien is a legal notice attached to a property, requiring the lien get paid before any transfer or refinancing of the property can … Read More
Being in debt can feel like you are living in a black hole. Everything gets sucked in or is affected by it. One of the things you do not want to have disrupted is your job. It is one of the lifelines that is getting you out of this current situation. If you worry filing … Read More
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
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
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
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
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
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
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
Going through bankruptcy to clear yourself of debt takes time. Once you receive your bankruptcy discharge, you understandably are ready to get your life back on track. Rebuilding your credit is a crucial part of your recovery. If creditors are still listing discharged debts as past due after your discharge date on your credit report, … 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.
