Debt Relief

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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 [...]

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

Need to Know About Debt Negotiation and Settlement?

If you’re dealing with debt and considering filing for bankruptcy, it’s a good idea to get professional legal advice on how to handle the proceedings. There are countless scams and “credit repair” cons trying to take advantage of your situation when you need help the most. Credit counseling and debt management agencies may be [...]

How Can I Eliminate Tax Debts In Bankruptcy?

One of the things that people hear about bankruptcy is that it usually doesn’t discharge some debts owed to the government, like taxes. Even if you have a large burden of tax debt that is making it extremely difficult to reconcile your finances, bankruptcy can’t always help. However, here is some good news: You actually [...]

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 [...]

Indianapolis Moratoriums Ending – Potential Utilities Shut Off

https://youtu.be/alLYAtJRwHU Transcript: Yes. Hello. Good afternoon, Richard Shea here with Sawin and Shea. As you are aware, due to COVID-19, there had been a lot of moratoriums on place regarding debt collection and especially related to utilities. Well, as noted in the Indianapolis Star, just yesterday, those moratoriums are starting to come to an [...]

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 [...]

Are You Having Trouble Paying Rent & Looking at Eviction During the COVID-19 Crisis?

https://youtu.be/iNzsR8GPONM Transcript Hello, my name's Andrew Sawin. I'm an attorney at Sawin and Shea. We're bankruptcy attorneys, and we're here to talk today about evictions. With the current COVID-19 crisis, I know many of you are having trouble paying rent, keeping up with the house or apartment payments. You're worrying more than ever about [...]

By |2020-05-19T08:31:07-04:00May 19th, 2020|Bankruptcy Law, Debt Relief|0 Comments

Are Women More Likely to File for Bankruptcy Than Men?

Each year, about one out of every 55 U.S. households will include someone filing for bankruptcy. Within those households, women are more likely to file for bankruptcy than men, but only slightly so. According to the debt education organization Debt.org, about 48% of bankruptcy filers are men and 52% are women. The reasons vary. Read [...]

By |2020-06-29T14:59:19-04:00March 2nd, 2020|Bankruptcy Basics, Bankruptcy Law, Debt Relief|0 Comments