Richard Shea

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About Richard Shea

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So far Richard Shea has created 84 blog entries.

How Many Months Must Be in a Chapter 13 Plan?

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 [...]

Bankruptcy and Unemployment

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 [...]

Why It’s Important to Set Aside and Save Your Collection Letters

https://youtu.be/laBEGbOMAkI Are you receiving collection letters while working with a bankruptcy attorney? Save every single letter, even though you will have a lot of paperwork piling up. Your bankruptcy attorney needs these letters because they could benefit you. Let’s take a look at why you should save collection letters and share them with your attorney. [...]

By |2021-02-19T18:49:02-05:00February 16th, 2021|Bankruptcy Basics, Creditor Harrassment|0 Comments

What is Zombie Debt?

When you’re deeply in debt, it feels as if debt collectors are always at your heels, grabbing at you for money. Bankruptcy finally frees you from this burden and allows you to shed old debt. But certain debts just refuse to die. They rise from the dead and come back to haunt you again, even [...]

By |2021-02-12T16:00:23-05:00February 9th, 2021|Bankruptcy Basics, Debt Relief, Zombie Debt|0 Comments

Credit Reporting During and After Bankruptcy

Have you wondered what will happen to your credit report during and after your bankruptcy? When you’re working with a bankruptcy attorney at Sawin & Shea, one of the services we offer is reviewing your credit report. Here’s why we do so and why it will be a huge help to you. And good news [...]

How to Handle Collection Calls

When you hire Sawin & Shea for your bankruptcy, we give you a phone script that helps you handle collection calls. After you retain the firm, creditors must stop calling you once they have notice of our representation. During your bankruptcy, bill collectors are required to follow certain rules for phone calls and other communications, [...]

By |2021-01-29T10:36:56-05:00January 28th, 2021|Bankruptcy Basics, Bankruptcy Law, Creditors|0 Comments

When Is the Right Time to Be Thinking About Bankruptcy?

Sometimes the best offense is a good defense, even when it comes to finances. If you have been hit hard by the economic upheaval of the coronavirus, filing for bankruptcy may be your best option. At a time when thousands are already struggling with historic stressors due to the uncertainty caused by the pandemic, it [...]

By |2020-09-04T10:57:38-04:00August 31st, 2020|Bankruptcy Basics, Bankruptcy Law|0 Comments

What Does a Chapter 13 Repayment Plan Look Like?

It’s a smart choice to file for Chapter 13 bankruptcy. Your bankruptcy plan will allow you to catch up on payments and settle your debts while giving you a chance to keep your home treasured belongings. If you have a job but you’re struggling to make your payments every month, Chapter 13 can help. In [...]

What Are My Repayment Obligations Under Chapter 13 Bankruptcy?

When you’re considering Chapter 13 bankruptcy, you’re also wondering how much of your debt you’d be obligated to pay back. Plus, you need to know how much time and paperwork it will take. Let’s take a look at a debtor’s obligations under Chapter 13 bankruptcy. This could be an excellent choice for you, depending on [...]

What Can I Do About Creditor Harassment?

After you file for bankruptcy, it is illegal for your creditors to continue contacting you and asking for payments. The U.S. Bankruptcy Code, Telephone Consumer Protection Act (TCPA), The Fair Credit Reporting Act (FCRA), and the Fair Debt Collection Practices Act (FDCPA) all prohibit certain types of creditor behavior and are tools for consumers to [...]