Are you wondering how to file bankruptcy Chapter 7? Or if filing for bankruptcy is right for you? We’re here to help. If you’re struggling with debt and considering bankruptcy, speaking with a bankruptcy lawyer can help you determine your best options and give you some clarity on how the process works. At Sawin & … Read More
Regardless of whether you’re keeping up with economic news and rising inflation rates, you’ve likely noticed that the cost of goods is going up while your purchasing power is going down. The Consumer Price Index notes that the inflation rate is up 7.1%, which is the highest rate of inflation since 1982. Unfortunately, rising inflation … Read More
If you’re struggling with overwhelming debts, Chapter 7 bankruptcy could be your best option. Chapter 7 is the most common form of bankruptcy for individuals and families, and it allows you to discharge many of your unsecured debts within only a few months. Before turning to this option, you need to know who can declare … Read More
The stress leading up to a declaration of bankruptcy can be intense. You worry about creditors and wonder if you will be able to stay in your home and keep your car. You may also worry that your bankruptcy will become public knowledge and affect other aspects of your life. Will your boss and co-workers … Read More
When filing Chapter 7 or Chapter 13 bankruptcy, it’s critical to understand the difference between consumer debt and non-consumer debt. Your consumer and non-consumer debts impact your ability to file Chapter 7 bankruptcy, and your debt types also determine what’s protected by an automatic stay when filing Chapter 13 bankruptcy. If you’re considering filing Chapter … Read More
Most people have noticed that when one thing goes wrong, several other things invariably follow. There’s even a common expression describing the experience: “When it rains, it pours.” Unfortunately, medical debt is no exception. It can easily precipitate a resulting series of unfortunate events, one of them (ironically) being poor health. This is more than … Read More
There are two primary types of bankruptcies that a person might file when struggling to pay their debts: Chapter 7 and Chapter 13. In a Chapter 13 bankruptcy, the debtor agrees to a payment plan instead of having their property taken to pay creditors. In contrast, in a Chapter 7 bankruptcy, the bankruptcy trustee will … Read More
Debtors who run their credit card balances up before they file for bankruptcy could suffer consequences. Primarily, it could result in your debt becoming ineligible for discharge, which is often the whole point of filing for bankruptcy. So in many cases, running your credit card debt up is not worth it. To fully understand how … Read More
Have you ever been incessantly contacted by a debt collection agency trying to get money from you? Many individuals experience unwanted contact from debt collectors and are unsure how to approach the situation. That’s why we’re here to help. It can be difficult to understand just what exactly these agencies are legally allowed to do, … Read More
If, like many, you are struggling with debt and are behind on payments, you may be stressed out by all of the calls you are receiving from your creditors. While it is normal and expected for debtors to receive calls or notices in the mail or email from their creditors and debt collectors, it is … 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.
