Many people assume that because they have filed bankruptcy, their credit is ruined, and they will not be able to qualify for any loans. This is not true. There are a number of steps you can take to improve your credit score and to make it likely that you can be approved for a loan. … Read More
Whether you have missed a single payment somewhere along the line or are delinquent on several payments, the last thing you want is to be harassed by debt collectors. In most cases, people know that they are behind on payments and are struggling to deal with the issue. Having to deal with a barrage of … Read More
Determining household size is an important measurement when facing bankruptcy. In fact, correctly determining household size can determine your eligibility for Chapter 7 bankruptcy. For some households, determining household size is simple. But for families that include relatives, extended family, or children living some or all of the time within a household, determining size can … Read More
If you are thinking of filing for Chapter 7 or Chapter 13 bankruptcy, or if you have already filed, you may be concerned about how long the bankruptcy will stay on your credit report. There is a simple answer to this: It will stay on for ten years if you filed Chapter 7 bankruptcy and … Read More
Nobody wants to be in a situation where they have to file for bankruptcy, but for the self-employed, it can be a doubly crushing blow. You have worked hard to create your own source of income, but circumstances have made it impossible for you to pay your debts. You may even have doubts about whether … Read More
Are you behind on car payments? Is a car repossession looming in your future? Now’s the time to act. Car repossession is one of the many reasons people contact the Indiana bankruptcy attorneys here at Sawin & Shea. Losing your car can completely disrupt your life and work, so you may wonder what you can … Read More
A new rule will soon allow debt collection messages through social media. It’s expected to impact 1 in 4 adult Americans, or 70 million people, who have at least one bill in collections. On top of phone calls, emails, and text messages, the Consumer Financial Protection Bureau (CFPB) will allow debt collectors to message you … Read More
When the first stimulus checks were distributed in the U.S. in 2020 due to the COVID-19 crisis, it came as a huge relief for millions of people. But for those contemplating bankruptcy, it brought a new worry. “Will bankruptcy take away my stimulus check?” This has become a common question for bankruptcy attorneys across the … Read More
Considering Chapter 13 bankruptcy? Then you’re probably wondering how long it will take. Chapter 13 bankruptcy takes a bit longer than Chapter 7, but it may be the best plan for you. Let’s look at the factors that determine how long a bankruptcy takes so you can get an idea of your bankruptcy’s timeframe. If … Read More
Are you dealing with the double battle of losing your job while deeply in debt? Now you’ve lost your source of income while already struggling to pay your bills. In this situation, you may be wondering whether bankruptcy could be a good solution. After all, it’s nearly impossible to make progress on paying down your … 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.
