Richard Shea
Do you know any debt that lasts more than one year is considered long-term debt? This includes any loan that involves making periodic payments for more than 12 months or any debt that can’t be paid off in full within one year. Most people have at least some type of long-term debt like a mortgage, … Read More
Are you behind on house payments? Facing foreclosure? Wondering what will happen to your family’s home? You’re facing a very difficult situation, and you may be curious about how bankruptcy might be able to help. While bankruptcy isn’t a cure-all, it can improve your overall financial picture significantly, especially if you are falling behind on … Read More
Certain red flags signal an urgent need for you to pay attention to your bill paying, budgeting and bottom line. When these unmistakable signs are present, it’s time to investigate your options for bankruptcy and start making a new plan for your financial future. Could bankruptcy be the right choice for you? Take a closer … Read More
Almost half of all Millennials and Generation Xers are 90 days behind on at least one of their bills. Americans under age 50 are much more likely than their predecessors to struggle to pay for basic living expenses like rent, utilities and groceries. There’s a mix of reasons behind this phenomenon, including heavy student loan … Read More
Each year, about 30 to 38 percent of all bankruptcy filings are for Chapter 13 bankruptcy. Chapter 13 provides welcome relief to people who are overwhelmed with debt and need help satisfying their creditors. If you’re in this situation, you’re probably wondering whether you’ll have to repay all your debts. It’s time to contact … Read More
Around tax time, bankruptcy attorneys often receive questions about tax refunds and filing for bankruptcy. You may be wondering whether it’s a good idea to wait for a refund to arrive before you file, or whether it’s better to do it as soon as possible. You probably also have questions about whether you’ll be … Read More
Bankruptcy attorneys often get questions from their clients like, “Why is my bankruptcy so different from my friend’s?” The question tends to arise when it seems that a bankruptcy isn’t going the same route as a friend or family member’s bankruptcy. Maybe it’s taking longer to resolve or it feels that your debts are … Read More
You’re facing one of the most feared situations any taxpayer can face: a tax levy. The IRS has far-reaching powers to enforce a tax levy, including seizing your assets and property. If you receive notification of a tax levy, delaying your response can add to the penalties you owe and may cause the IRS … Read More
Will I Ever Get My Car Back If It’s Repossessed? Has your vehicle been repossessed? Before you panic, take a deep breath – and know your rights. The United States is currently experiencing the highest rate of automobile loan defaults this century – and that includes the rate of defaults during the recent financial … Read More
Chapter 20 bankruptcy isn’t actually an official part of the bankruptcy code. It’s more of a bankruptcy strategy you can use to clear your debts. The number twenty in the name comes from the combination of a Chapter 7 and a Chapter 13 bankruptcy. Choosing this approach can cause a positive effect on your financial … Read More
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