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travel and bankruptcy

Can I Travel While Filing for Bankruptcy?

The short answer to this question is yes, but with caveats. However, the requirements for Chapter 7 and Chapter 13 Bankruptcy are different, so we’ll discuss each of them separately. Chapter 7 In Chapter 7 Bankruptcy, you file papers with the Bankruptcy Court asking for immediate protection from your creditors and ultimately for an elimination … Read More

debts can't be discharged

Debts That Can’t Be Discharged During Bankruptcy

It’s tempting to believe that filing for bankruptcy is like having a magical wizard wave his wand to make all of your problems disappear. Unfortunately, this isn’t exactly the case. You need to know exactly which debts can be discharged and which debts can’t as you begin the process. Bankruptcy isn’t rare in the Hoosier … Read More

Things Debt Collectors Are Forbidden to Do

Whether you have missed a single payment somewhere along the line or are delinquent on several payments, the last thing you want is to be harassed by debt collectors. In most cases, people know that they are behind on payments and are struggling to deal with the issue. Having to deal with a barrage of … Read More

debt collection agencies and social media

Soon, Debt Collectors Can Contact You on Social Media

A new rule will soon allow debt collection messages through social media. It’s expected to impact 1 in 4 adult Americans, or 70 million people, who have at least one bill in collections. On top of phone calls, emails, and text messages, the Consumer Financial Protection Bureau (CFPB) will allow debt collectors to message you … Read More

debt collection letters importance

Why It’s Important to Set Aside and Save Your Collection Letters

Are you receiving collection letters while working with a bankruptcy attorney? Save every single letter, even though you will have a lot of paperwork piling up. Your bankruptcy attorney needs these letters because they could benefit you. Let’s take a look at why you should save collection letters and share them with your attorney. Some … Read More

what is a solution to zombie debt

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 … Read More

filing for chapter 7 or 13 bankruptcy

Credit Reporting During and After Bankruptcy

Have you wondered what will happen to your credit report during and after your bankruptcy? When you’re working with a bankruptcy attorney at Sawin & Shea, one of the services we offer is reviewing your credit report. Here’s why we do so and why it will be a huge help to you. And good news … 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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$0 Down Attorney Fees

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.