Unemployment is one of the top three reasons people file for bankruptcy. No one is ever ready, emotionally or financially, to be laid off or fired. Losing your income can quickly escalate into missed mortgage or car payments. Before things get out of control, consider filing for bankruptcy to help protect your savings and retirement. … Read More
One of the greatest fears for people filing for bankruptcy is whether they will lose their home or other assets that they have worked hard to obtain. Bankruptcy is not meant to strip you of everything you own. Its function is to get you out from under overwhelming debt and back on track to fiscal … Read More
A reoccurring cause for many individuals who file for bankruptcy is mounting healthcare debt. Even for those with health insurance, when faced with sudden or ongoing health issues along with rising out-of-pocket expenses and higher deductibles, many are forced into financial hardship. If you are burdened with medical debt that you cannot afford, bankruptcy may … Read More
We all enter into marriage with the highest of hopes. A significant number of those marriages will not make it in the long run. It has been widely reported that approximately 40 to 50 percent of marriages end in divorce. Adding to the heartbreak of divorce is often crippling financial problems. We see clients every … Read More
Most people would like to have the financial resources to provide for their families, plan for the future, and have something left over to have some fun. For many of us, however, the debt hanging over our heads makes these thoughts seem a goal that is out of reach. Sometimes, a person’s problems with debts … Read More
A growing concern for students both young and old, outstanding school loan payments have risen to critical mass in this country. Learn ways to help alleviate the stress of student debt. In 2014, total outstanding student loan debt in the U.S. rose to nearly $1.2 trillion, according to the New York Fed. In the fourth … Read More
About 80% of Americans are in debt, which is not surprising considering that 43% of American families spend more than they earn. The average household debt statistics for 2015 are staggering. The average credit card debt for households that have debt amounts to more than $15,000.00. The average interest rate on credit cards is almost … Read More
It can happen to anyone. A notice arrives in the mail or is delivered by a deputy sheriff. A creditor has initiated a lawsuit against you. You have been sued. The creditor initiating the lawsuit wants to take things from you by Court process. In Indiana a judicial garnishment can take up to 25 percent … Read More
In our practice, we see many people that felt like they were in between a rock and a hard place, because they had a decent job and income, but also a load of high interest credit card debt that never seems to go down. Sometimes these people thought that they would not qualify for bankruptcy. … Read More
Many clients come to us having difficulties making payments on their house or investment real estate. Like so many homes or investment properties these days, they are often underwater on their mortgages, owing more on the loan than the property is worth. When people are in this situation they want to know if it is … 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.
