If you’re facing mounting bills, creditor harassment or the possibility of foreclosure, it may be time to explore your debt relief options. Filing bankruptcy can offer a fresh financial start, and a Sawin & Shea attorney can guide you through the bankruptcy process to determine the best course of action for your situation.
A bankruptcy law firm in southern Indiana can help you navigate the legal process and protect your rights when you file a bankruptcy chapter.
Whether you qualify for Chapter 7 bankruptcy to discharge unsecured debts or need a repayment schedule under Chapter 13 bankruptcy, experienced bankruptcy attorneys can provide the support you need.
How Evansville Bankruptcy Lawyers Can Help
Bankruptcy lawyers assist clients in handling the complexities of filing bankruptcy, ensuring all bankruptcy forms are properly completed and submitted to the bankruptcy court. They help stop wage garnishment and provide legal guidance for clients on the different bankruptcy chapters.
Working with a professional law office ensures you get sound advice, proper representation and a fair process. Since the law surrounding bankruptcy can be intricate, seeking assistance from a law office specializing in bankruptcy cases is crucial for your bankruptcy filing.
Many individuals worry about how to pay for legal assistance while already struggling financially. Fortunately, a bankruptcy law office offers free consultations and flexible payment plans. The right law offices will work with you to develop an approach that fits your financial needs.
Dealing with overwhelming debt can be stressful, but an attorney in Indiana can provide the support needed to navigate the bankruptcy process.
Whether you’re facing wage garnishment, harassment by creditors to pay your debt or the threat of foreclosure, an experienced bankruptcy law office
can help you determine the best debt relief options for your situation.
A local bankruptcy lawyer understands the complexities of bankruptcy cases and can assist with filing bankruptcy, ensuring that all bankruptcy forms are completed correctly. They work closely with clients to evaluate whether they meet the Indiana means test, which determines eligibility for filing Chapter 7 bankruptcy.
If you have enough disposable income, you may be required to file for Chapter 13 bankruptcy instead.
Steps in Filing for Bankruptcy in Indiana
The bankruptcy filing process in Indiana follows several steps:
Initial Consultation – Meet with a Sawin & Shea attorney for a free consultation to assess your financial situation and discuss debt relief options. Many law offices offer initial consultations to evaluate your eligibility to file bankruptcy and determine the best path forward.
Indiana Means Test – Your bankruptcy lawyer will analyze your income and expenses to determine eligibility for Chapter 13 or Chapter 7 bankruptcy based on disposable income left after essential expenses.
Preparing Bankruptcy Forms – Your bankruptcy lawyer will assist in compiling financial records, completing the forms and ensuring accuracy in the petition.
Filing a Bankruptcy Petition – Submitting your case to the bankruptcy court, triggers an automatic stay that immediately stops wage garnishments and phone calls from creditors.
Meeting With Creditors – You attend a hearing where creditors may ask questions about your bankruptcy petition. Your Evansville law office will represent you and ensure your rights are protected.
Completion of a Repayment Plan or Debt Discharge – If you filed Chapter 7 bankruptcy, eligible debts are discharged. If you filed Chapter 13 bankruptcy, you begin a repayment schedule lasting 3-5 years to systematically pay back creditors.
Financial Fresh Start – Once your case is finalized with our law office, you can rebuild your financial life free from overwhelming debt.
With legal services from skilled bankruptcy lawyers, you can navigate the process confidently.
The Differences Between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy
When considering bankruptcy relief, it’s essential to understand the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy to choose
which to file:
- Chapter 7 Bankruptcy: Also known as liquidation bankruptcy, this option allows individuals to discharge most unsecured debts, such as medical debt and credit card balances. However, not everyone qualifies, as passing the means test is required.
- Chapter 13 Bankruptcy: This option involves a structured repayment plan over 3-5 years. It’s suitable for those with enough disposable income to make regular payments but need protection from creditors and foreclosure.
What Is Creditor Harassment?
Creditor harassment occurs when collectors use aggressive tactics to recover debts, such as repeated phone calls, threats or misleading information. Many creditors use harassment tactics to pressure debtors into making money payments they simply cannot afford. If you are facing persistent calls, letters or threats, you do not have to tolerate this behavior. When you file bankruptcy, the automatic stay goes into effect, legally stopping all collection efforts.
Evansville attorneys can help protect you from these unlawful tactics. A law office that focuses on bankruptcy provides free consultations to discuss your situation and determine the best course of action. Many individuals find that filing Chapter 7 or Chapter 13 bankruptcy is an attractive option to regain financial stability and stop harassment from creditors.
If you’re experiencing creditor harassment, it’s crucial to seek help from a qualified legal team. With the right Evansville bankruptcy attorneys, you can end the stress and focus on rebuilding your financial future. Many law offices offer initial consultations to review your Chapter 7 or Chapter 13 case and provide guidance on how to proceed.
Whether you need help stopping wage garnishments or dealing with persistent creditors, seeking professional legal assistance can help you navigate this challenging time.
Your Rights Under the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive collection practices. It prohibits collectors from:
- Calling at odd hours or repeatedly
- Using threats or deceptive practices
- Contacting you at work if prohibited
- Discussing your debt with unauthorized parties
If you’re experiencing creditor harassment, a bankruptcy lawyer can take legal action to protect your rights. Once you file Chapter 7 or Chapter 13 bankruptcy, the automatic stay prevents debt collectors from contacting you, giving you the time needed to assess your financial situation and determine your best path forward.
Living in Evansville, Indiana
From summer concerts at the Ford Center to family picnics at Wesselman Woods Nature Preserve, Evansville offers countless ways to enjoy life along the Ohio River. Residents take pride in cheering on the University of Evansville Purple Aces basketball team, grabbing a famous brain sandwich at the Fall Festival on West Franklin Street, or spending weekends exploring the fascinating LST 325 warship museum downtown.
The city combines Midwestern charm with modern amenities, from the interactive exhibits at the Koch Family Children’s Museum to the peaceful walking trails at Garvin Park.
Contact our Evansville Bankruptcy Attorneys Today
If you’re struggling with debt and considering filing a bankruptcy chapter or other options for debt relief, contact an Evansville bankruptcy attorney for a
free consultation. They can guide you through the entire process to file, ensuring you receive the relief needed to achieve a fresh start.
Whether you need help stopping wage garnishments or preventing foreclosure, an experienced Evansville attorney can help you regain financial stability.
Take the first step toward financial freedom today by reaching out to a bankruptcy law firm in Evansville, Indiana. The Indiana bankruptcy attorneys at the law firm of Sawin & Shea, LLC have been offering legal services in the Chapter 7 or Chapter 13 bankruptcy process for years. Call our attorneys at 317-759-1483 or request your free consultation online.
