Chapter 7 Bankruptcy
Are you being harassed by creditors? Do you have wage garnishments coming out of your paycheck, or lawsuits against you from credit card companies? Chapter 7 Bankruptcy can put a halt to all of those things immediately.
Whether you are single or a married couple, Chapter 7 Bankruptcy is a viable option if you have consumer debt to eliminate. If you qualify for Chapter 7, based on the Income Means Test, you could have all of your credit card debts, medical bills, and other unsecured debts eliminated within three to four months.
With Chapter 7 Bankruptcy, you can:
- Eliminate or reduce all unsecured debt
- Immediately stop harassment from creditors
- Put a halt to wage garnishment
- Keep your home and car without penalties
Chapter 7 Bankruptcy is a practical and financially affordable option for those who are struggling to keep up with monthly payments and credit card debts. Give the law offices of Sawin, Shea a call today to find out how we can help you eliminate your unsecured debts and get a new start in life. Schedule a free consultation with us at (317) 759-1483.
Chapter 13 Bankruptcy
Is the bank threatening to repossess your home or car? Are you having trouble paying your debts, but don’t want to harm the co-signers who have helped you get where you are? Chapter 13 Bankruptcy can help you keep your home or car, protect loved ones and reduce unsecured debt.
Chapter 13 Bankruptcy is designed to help those with secured debts, like a home or a car, avoid foreclosure or repossession by reducing the overall amounts owed, and stopping creditor lawsuits and harassment during the repayment process. For most, this means unsecured debts may be significantly reduced, allowing you to focus your efforts on your more important assets. Chapter 13 Bankruptcy is a court ordered debt restructuring plan that allows you to catch up on some debts, while eliminating and reducing others.
With Chapter 13 Bankruptcy, you may:
- Keep your home and car
- Reduce your unsecured debts
- Protect your co-signers with a co-debtor stay
- Automatic protection against creditors
- Reduce tax debts
- Stop a foreclosure or Sheriff’s Sale
If you are struggling to keep your home or car, and have monthly payments you are unable to make, Chapter 13 Bankruptcy may be the right choice for you. Call the law offices of Sawin, Shea, (317) 759-1483 for a risk-free consultation to find out if you are eligible to file for Chapter 13 Bankruptcy.