Today’s families often spend a sizeable portion of their income on childcare. The average household pays around $18,000 a year for daycare of pre-school age children. This sum means less money goes into savings or emergency funds and more debt builds up on credit cards. Ongoing childcare expenses can help a person qualify for a … Read More
Spending three to four months going through Chapter 7 bankruptcy can be an emotional roller coaster for the filer. You wonder when you will ever get your life back on an even keel. If you are worried that your credit will be ruined forever, we can tell you it will not be. In fact, for … Read More
When you file bankruptcy, a person called a bankruptcy trustee is assigned to your case to make an inquiry into your situation. This inquiry involves looking at your assets. Your assets include everything you own or which you have an ownership interest. In most cases everything you have is exempt from seizure. The attorneys at … Read More
As of 2016, the total amount of loan debt for students and their parents is $1.35 trillion; an amount that sadly increases by $2,726 every second. The average debt young adults have after graduation is $29,000. With Federal student loans capped and college expenses continuously rising, a gap is left uncovered. Parents often step in … Read More
When a spouse files for personal bankruptcy, questions may arise about the status of jointly owned properties such as homes or businesses. If you are unsure what assets will be affected when filing Chapter 7, consult the bankruptcy law specialists at Sawin & Shea today. If I File for Bankruptcy, Will My Spouse Lose Their … Read More
In today’s tough economic times, our golden years may not be as golden as once thought. Many seniors (individuals 60 years or older) entering retirement find their income reduced and expenses on the rise. Do you have mounting medical bills, massive credit card debt or both? Consult a bankruptcy law specialist like Sawin & Shea … Read More
Going through bankruptcy to clear yourself of debt takes time. Once you receive your bankruptcy discharge, you understandably are ready to get your life back on track. Rebuilding your credit is a crucial part of your recovery. If creditors are still listing discharged debts as past due after your discharge date on your credit report, … Read More
Even after realizing that bankruptcy is the best way to get out from under debt, it can still take an emotional toll on you. For many, the perceived shame and stigma of bankruptcy leaves them questioning their self-worth. However, a lot of my clients approach me after their bankruptcy is over and tell me that … Read More
Creditors are prohibited from engaging in debt collection after an individual files for bankruptcy. The Fair Debt Collection Practices Act (FDCPA) protects you from certain types of harassment by collection agents. If you are experiencing aggressive collection calls and letters, contact a bankruptcy law firm like Sawin & Shea to take action on your behalf. … Read More
Very often, divorce settlements are a critical reason why people fail to repay their debts and file for bankruptcy. Why? A divorce is messy enough without bringing finances into the equation. Filing a joint bankruptcy prior to the divorce, can is some circumstances, provide a solution. Can a spouse become liable for the other spouse’s … Read More
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No upfront attorney fees in qualifying cases. Pay only court filing fee, credit reporting fee, and pre-bankruptcy credit counseling session fee to get a case on file to stop garnishments, repossessions, and certain court actions. Restrictions may apply. Please call to discuss your situation and learn how we can help.
