Transcript:

Hello, this is Andrew Sawin from Sawin & Shea, talking a little bit to you today about the unprecedented situation we find ourselves in now with this COVID-19 virus. During these times, we’ve noticed an increase of activity from scammers. We want you to be wary that there are several things going on that you need to watch out for. There’s email scams, they’re on the increase, soliciting products that might not be legitimate. There’s also a lot of you that are now logging onto new accounts to do things like pick up groceries, and bank accounts, and different things where scammers are sending you emails that might look like they’re coming from those providers.

Be very careful. Don’t click on links and provide information from emails you get that look like they’re from those providers. Those are usually scam emails, and they’re trying to steal your information. As well, the government, regarding unemployment benefits or whatever you’ve recently signed up for, the government will never ask you to provide identifying information through emails. They’ll always request that you go directly to the site and log into your account,, and check things that way. So if you get an email saying something’s wrong with any account, log directly into the account from the website, so you can check on it that way. That’ll keep precious data out of people’s prying hands. There’s also an increase in advertisements promising to save people a space at medical facilities, in case they do come down with COVID-19. These are always a scam. No legitimate medical facility is going to do that.

And finally, offers to get you out of debt. Always deal with legitimate, long standing legal firms when you need to talk about dealing with debts. I know a lot of you may start having issues with debts. We’re here to answer your questions. So, contact us, we’d be happy to talk to you about this and things that are going to be happening due to the COVID-19 virus. Thank you.

It would be in your best interest to contact a bankruptcy attorney. The bankruptcy attorneys at Sawin & Shea are here to answer your questions about strategies to make the best use of your stimulus checks, if you’re contemplating bankruptcy. 

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Although very rare, during the course of your bankruptcy, you may find that an adversary complaint has been filed against you in the bankruptcy court. It can come from a creditor, the trustee, or someone else involved with your case. An adversary complaint is a separate case from your bankruptcy that will be addressed by the court on its own, but it could affect how your finances pan out down the road.

How Do Adversary Complaints Work?

While your bankruptcy is taking place, a creditor or the trustee could file an adversary case against you. For example, a creditor might file an adversary case with the court to claim that the debt you owe them should not be dischargeable in bankruptcy. They’re trying to make you pay your debt, rather than have it forgiven. Adversary complaint is an umbrella term for a variety of adversarial objections such as dischargeability, fraudulent transfers, preferential transfers, property-related objections and total objections to discharge. Your bankruptcy attorney can help you understand the details of each of these types of complaints.

Will They Win An Adversary Complaint Case Against Me?

It’s hard to say whether the court will rule in their favor. Here’s how the process works: The court will review their claim and any related evidence presented in a trial. The court then makes a ruling based on the merits of the complaint. If the judge rules in the complainant’s favor and the debt is ruled nondischargeable, you will be required to pay it in full after your bankruptcy case is over.

Could An Adversary Complaint Ruin My Bankruptcy?

While an adversary complaint is related to a bankruptcy case, it is given a completely different case number with the court and is handled separately from the rest of your bankruptcy. The results will affect only the debt in question and shouldn’t impact your overall bankruptcy, although in rare cases it can cause your bankruptcy to be denied entirely.

Can My Bankruptcy Attorney Help With An Adversary Complaint?

Although the two cases are handled separately, your bankruptcy attorney can advise you about how to handle the adversary complaint. In fact, adversary complaint cases can be quite complicated and you may need to provide extensive documentation to the court. Your best course of action is to seek help from a qualified bankruptcy attorney who can help you navigate both cases for the best outcome.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 or send an email for a free consultation. We are ready to help.

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