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
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
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
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
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 … Read More
It is difficult to predict exactly when or if the Internal Revenue Service of the United States might audit you, which could subject you to a rigorous financial examination. At Sawin & Shea, we sometimes encounter people who are filing for bankruptcy and worry whether doing so will trigger an IRS audit. So, let’s look … Read More
At Sawin & Shea, our clients are often concerned about having low credit scores. They wonder if bankruptcy will make the situation worse. On the contrary, bankruptcy can actually improve your credit and get you back on your feet financially. Here’s how an Indiana bankruptcy can help re-establish your credit. Will Bankruptcy Ruin My Credit … Read More
When your house is being sold at a sheriff’s sale, you’re at a critical time where you stand to lose your home forever. Here’s what many people don’t realize: Up until a certain point, you can stop a sheriff’s sale from happening and keep your home. The key is to act as quickly as possible. … Read More
Certain red flags signal an urgent need for you to pay attention to your bill paying, budgeting and bottom line. When these unmistakable signs are present, it’s time to investigate your options for bankruptcy and start making a new plan for your financial future. Could bankruptcy be the right choice for you? Take a closer … Read More
Almost half of all Millennials and Generation Xers are 90 days behind on at least one of their bills. Americans under age 50 are much more likely than their predecessors to struggle to pay for basic living expenses like rent, utilities and groceries. There’s a mix of reasons behind this phenomenon, including heavy student loan … Read More
Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
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.
