Richard Shea
Close to half a million Americans file for bankruptcy each year and about 8% of them are pursuing bankruptcy for the second time. In fact, about 16% of all bankruptcy cases involve people who have filed more than once. Filing for bankruptcy a second time is allowed, with some important limitations. So if you’re curious … Read More
In today’s world, the public is inundated with scams, a form of fraud that takes advantage of someone’s kind heart and eventually leads to their financial destruction. Scammers will contact people by phone, by email, through social media, online and any other way they can, sometimes impersonating trusted financial sources to trick you into revealing … Read More
The name millennials refers to a generation of people born between 1981 and 1996. Now in their 20’s and 30’s, they are building up an enormous amount of debt as they reach young adulthood. Experts estimate $1 trillion of all debt in the United States is now held by millennials, which is an increase of … Read More
Bankruptcy courts are courts of equity. This means that the courts are trying to balance a Debtor receiving a discharge with trying to gather some funds for creditors to share. Timing is everything when it comes to keeping an inheritance while filing for bankruptcy. If you’re due to receive an inheritance – or if you … Read More
Chapter 7 bankruptcy is often considered the easiest and most efficient type of bankruptcy. It is certainly the most common. Of all bankruptcies filed in the U.S. each year, about 68% are filed under Chapter 7. But is Chapter 7 the best choice for you? Here’s a look at the pros and cons. What are … Read More
If you do a little searching online, you’ll immediately see a loud-and-clear message about student loans and bankruptcy: Student loans are not dischargeable in bankruptcy. This isn’t the whole story. It’s not impossible to wipe out student loans by declaring bankruptcy. With the help of a qualified bankruptcy lawyer, together you can explore a … Read More
When you file for a Chapter 7 bankruptcy in Indiana the law provides for bankruptcy exemptions for real and personal property that you can keep. A Chapter 7 bankruptcy is a liquidation. This means that the court is looking for non-exempt stuff that you own that they could sell to make some money to pay … Read More
If you’re thinking of filing for bankruptcy and you live in Indiana, you may be wondering whether it could eliminate your tax debt. Hoosiers can sometimes get their tax debt discharged during an Indiana bankruptcy. However, you may have received conflicting advice about whether or not it’s possible to make this happen. So let’s settle … Read More
When your house is being sold at a sheriff’s sale, you’re at a critical time where you stand to lose your home forever. Here’s what many people don’t realize: Up until a certain point, you can stop a sheriff’s sale from happening and keep your home. The key is to act as quickly as possible. … Read More
As long as you follow the rules, your bankruptcy process should go smoothly. However, many bankruptcy clients still worry if it’s possible that the bankruptcy court might reject their application for Chapter 7 debt relief. It’s unlikely if you are honest with your attorney and follow their instruction and advice. However, certain circumstances can delay … Read More
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