Bankruptcy Basics

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How are Medical Bills Treated in Chapter 13 Bankruptcy?

Anyone on social media is bound to have seen numerous posts or crowdfunding pleas from friends or friends of friends who are faced with insurmountable medical debts. In fact, 8 million people have started a campaign for themselves or for a family member, and 12 million people have started a campaign for a friend or [...]

Can You Sell Your Home if You File for Bankruptcy in Indiana?

What you will learn from reading this article: Facts about selling your home while going through bankruptcy Details about Chapter 7 and Chapter 13 Bankruptcies and your house If you are struggling to pay your mortgage and other bills, the good news is that the CARES Act (Coronavirus Relief and Economic Security) has extended the [...]

Why People Resist Bankruptcy

Bankruptcy is a smart, legal, and effective way to wipe out a mountain of old debts. Yet, it still has a stigma that makes many people avoid it. There are many reasons why people resist bankruptcy, but some are based on fiction rather than facts. Maybe you’re avoiding bankruptcy merely because of a mistaken impression [...]

Soon, Debt Collectors Can Contact You on Social Media

A new rule will soon allow debt collection messages through social media. It’s expected to impact 1 in 4 adult Americans, or 70 million people, who have at least one bill in collections. On top of phone calls, emails, and text messages, the Consumer Financial Protection Bureau (CFPB) will allow debt collectors to message you [...]

Bankruptcy and Your 2021 Stimulus Check

When the first stimulus checks were distributed in the U.S. in 2020 due to the COVID-19 crisis, it came as a huge relief for millions of people. But for those contemplating bankruptcy, it brought a new worry. “Will bankruptcy take away my stimulus check?” This has become a common question for bankruptcy attorneys across the [...]

By |2021-03-11T16:02:59-05:00March 9th, 2021|Bankruptcy Basics, Bankruptcy Law|0 Comments

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 [...]

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