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
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
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
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
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
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
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
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
One of the most common concerns I hear from the clients in my practice is what happens after your bankruptcy is over and your debts are discharged. Whether filing Chapter 7 (liquidation of all assets with request to be discharged from financial obligations) or Chapter 13 (reorganization of debt), there are a few points to … 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.
