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How to Get Debt Collectors to Stop Calling after Bankruptcy

How to Get Debt Collectors to Stop Calling after Bankruptcy

The time period leading up to filing for bankruptcy is extremely stressful, as you know. You probably heaved a sigh of relief once you received your case number and were assured that an automatic stay was in effect. Fielding constant phone calls from creditors can be unnerving and stressful – and stress can have a … Read More

Questions to Ask Your Mortgage Modification Lawyer

Questions to Ask Your Mortgage Modification Lawyer

Many people struggle with asking for help from a mortgage modification lawyer when they truly need it. And when it comes to needing financial help, that task is even more difficult. There is a negative stigma associated with financial assistance that makes many people feel embarrassed or ashamed. Some may feel that others will judge … Read More

How to Survive the Holidays During Bankruptcy

How to Survive the Holidays During Bankruptcy

The holidays are here once again. And although this is a season of joy, it’s also a time of overwhelming financial stress. If you’re struggling with crippling debt this holiday season, filing for bankruptcy may be your best option for getting your finances back on track.   Fortunately, filing for bankruptcy offers debt relief to help … Read More

Consumer Debt vs. Non Consumer Debt

Consumer Debt vs. Non Consumer Debt

When filing Chapter 7 or Chapter 13 bankruptcy, it’s critical to understand the difference between consumer debt and non-consumer debt. Your consumer and non-consumer debts impact your ability to file Chapter 7 bankruptcy, and your debt types also determine what’s protected by an automatic stay when filing Chapter 13 bankruptcy.  If you’re considering filing Chapter … Read More

What You Should Know About Debt Collectors

What You Should Know About Debt Collectors

If, like many, you are struggling with debt and are behind on payments, you may be stressed out by all of the calls you are receiving from your creditors. While it is normal and expected for debtors to receive calls or notices in the mail or email from their creditors and debt collectors, it is … Read More

Can I Pay Off My Chapter 13 Bankruptcy Plan Early

Can I Pay Off My Chapter 13 Bankruptcy Plan Early

Most people enter into bankruptcy because they are experiencing financial hardship. However, though a person can be struggling at the time they file, this does not mean it isn’t possible for their financial situation to greatly improve while they are still paying off their Chapter 13 bankruptcy plan.  If you do find yourself having more … Read More

Tricks to Know When Trying to Improve Your Credit Score

Tricks to Know When Trying to Improve Your Credit Score

Though bankruptcy is often one of the best ways to get out of debt, it can damage your credit score after filing. However, despite what many believe, this is not a permanent situation, and you can regain good standing with your credit. There are tricks to know though when trying to improve your credit score. … Read More

What Happens to Investment Real Estate in Bankruptcy?

What Happens to Investment Real Estate in Bankruptcy?

Filing for bankruptcy is an important step for many individuals looking to overcome debts. Many people considering this option wonder what will happen to their investment real estate if they file. Your investment real estate’s outcome depends entirely on whether you file for Chapter 7 or Chapter 13 bankruptcy. Investment Real Estate in Chapter 7 … Read More

building credit bankruptcy

Building Credit During Chapter 13 Bankruptcy

Filing for chapter 13 bankruptcy can seem like a daunting task, but it’s often the right move for those who are facing foreclosure, repossession, or have exorbitant debts. If you’re thinking of filing for chapter 13 bankruptcy, you may have questions regarding how it will impact your credit score. In this blog, we discuss how … Read More

creditor harassments collection calls

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, … 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.