If you are struggling financially and feel bankruptcy is the only option for removing holiday stress, you need to make sure you file at the right moment. Choosing the wrong time to file for bankruptcy can tremendously impact your case in a negative way, including the possibility of dismissal.

Will My Holiday Debt Be Discharged if I File After the Holidays?

When you file for bankruptcy, creditors evaluate pre-bankruptcy spending to ensure that you are not trying to take advantage of the bankruptcy process. Unnecessary large purchases made on credit within 90 days of filing, including holiday spending, are often not dischargeable and can cause significant issues for your case. Even after 90 days, large purchases or cash advances made on credit, at a point where a debtor knew or should have known that they did not have the wherewithal to repay the debt, can lead to the creditor filing a complaint to ask the court to make that debt non-dischargeable.

If you file for bankruptcy after making significant holiday purchases, you may give creditors a chance to accuse you of fraud. Being found guilty of fraud can have detrimental effects on your bankruptcy filing, including the complete dismissal of your case. Filing earlier in the year eliminates the possibility of discharge resulting from excessive holiday spending.

How Can I Benefit from Filing Before the Holidays?

You have enough to do during the holidays without worrying about creditors calling to collect their debt. One of the best ways to keep the creditors from contacting you during your festivities is to file before the season. When you file, a court injunction known as automatic stay protects you from debt collectors.

Filing earlier in the year means the automatic stay injunction will protect your holiday celebrations from being affected by things like:

• Foreclosure and eviction from your home
• Repossession of your vehicle
• Utility disconnection
• Contact from credit card and other collectors

Choosing to file for bankruptcy earlier in the year gives you peace of mind that collections companies will leave you alone during the holiday season. As a result, you can spend your holidays focusing on those that matter most to you instead of worrying about debt.

How Can Filing After the Holidays Affect My Bankruptcy Case?

If you choose to file for bankruptcy after the holidays, you may run the risk of making your case last much longer than needed. Many employers give bonuses during December, which can falsely inflate your income. This can have an effect on the income-based test that dictates the chapter of bankruptcy that you are eligible to file.

To prevent your income from being inaccurately evaluated, file for bankruptcy before receiving any potential bonuses or monetary gifts. Filing earlier in the year ensures that the people reviewing your case have the most accurate representation of your financial situation. However, a bonus earned but not yet paid can be an asset in a Chapter 7 bankruptcy case.

Sawin & Shea Can Help You Time Your Bankruptcy Case Properly

Dealing with debt alone can be time-consuming and overwhelming. With the holiday season right around the corner, you shouldn’t have to worry about debt alone. Choosing someone to help you through the bankruptcy process and be by your side ensures that you take the proper steps when filing for your bankruptcy. At Sawin & Shea, we help you choose the right time to file so that you can enjoy your holidays without unneeded financial stress.

Remember that filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea  can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 or send an email for a free consultation. We are ready to help.

The post Should I File for Bankruptcy Before or After the Holidays? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

In this blog, you’ll learn about some of the factors you should take into consideration before filing for bankruptcy. If you’re considering filing for bankruptcy, we encourage you to contact experienced bankruptcy lawyers today.

Should I File for Bankruptcy?

When considering bankruptcy, you need to evaluate factors relating to your debt and your retirement. If you suffer from overwhelming debt that’s negatively impacting your life, bankruptcy maybe your best option.

Seniors who file for bankruptcy are often able to discharge certain debts like medical bills and credit cards, both of which are incredibly common debts for senior citizens. Debts associated with the medical industry and credit card companies can be bought by aggressive debt collectors, which can affect your overall quality of life. Certain debts can be discharged entirely when filing Chapter 7 bankruptcy, but not everyone is eligible for Chapter 7 bankruptcy. Some people have too high of an income or have assets that require making monthly payments through filing Chapter 13 bankruptcy. 

Filing for bankruptcy is a viable option when your debts affect your social security. For example, unpaid federal student debts can garnish your social security by 15%. Additional debts that can affect your social security include federal taxes, child support, alimony, victim restitution, and other federal debts.

When Should I for Bankruptcy?

Although bankruptcy is the best option for some when it comes to overcoming debt, it’s certainly not the best option for everyone. Many senior citizens fall under the category of “judgment proof,” meaning they don’t have enough assets that creditors can seize. Social Security benefits are protected from bankruptcy and creditors, so even if an elderly individual is in debt, they may not be at risk of losing much money or assets to creditors. Other assets that are protected when declaring bankruptcy include 401(k)s, 403(b)s, IRAs, and Roth IRAs.

Although Social Security is protected from creditors, there are certain factors you need to take into consideration when it comes to your debts. Your Social Security needs to be in a separate account. If it’s mixed in with your other funds, the money can be impacted by your declaration of bankruptcy. Additionally, retirement withdrawals are considered income, so your creditors can go after that money.

A reason that someone on social security may need to consider bankruptcy is to protect certain assets. If a creditor sues a person on social security that also owns real estate, those judgements will likely become judicial liens attached to their real estate. It is possible for a creditor to foreclose on that judicial lien and force a sale of the property to satisfy the debt. A Chapter 13 can protect the equity in a house. It is important to file a case prior to the creditor obtaining the judgement to avoid the judicial lien issue.

And finally, people with social security income may wish to file a bankruptcy to stop the onslaught of calls and letters that debt brings. Over the years we have helped many seniors who simply wanted the harassment to stop.

Call Indiana Bankruptcy Lawyers

Bankruptcy is an incredibly complex area of the law, especially when you’re eligible for retirement. Filing Chapter 7 or Chapter 13 may be the best option for some seniors while negatively impacting others. For bankruptcy guidance you can trust, contact Sawin & Shea, LLC. With over 45 years of combined bankruptcy service experience, our experienced legal team has helped numerous individuals become debt-free. To learn your best financial option going forward, call Sawin & Shea, LLC at 317-759-1483 or schedule a free consultation by clicking here.

The post Am I Too Old to File for Bankruptcy? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

Why Do Women File for Bankruptcy More Often Than Men?

Women file for bankruptcy slightly more often than men for several reasons. First, they usually make less money at their jobs than men because in the U.S. women on average make 76.5% of what men make. Women are also less likely to receive promotions in most fields and are more likely to work in lower-paying fields. In addition, women are more likely to be single parents and face the entire burden of household expenses. This sometimes causes them to seek out riskier forms of debt, like payday loans, credit cards and high-interest personal loans. When the debt becomes overwhelming, women who are struggling with debt may turn to bankruptcy as a way out.

When Is Bankruptcy a Smart Choice for Women?

Bankruptcy can be a smart choice for women who are facing old debt from past relationships, those who are unable to pay even their basic household expenses and single mothers who have so much overwhelming debt that they are unable to take care of their children’s daily needs. If this sounds like you, don’t just let the debt pile up. Speak to a bankruptcy attorney about your options as soon as possible.

Will My Family Lose Our Home and Our Belongings?

It’s natural to be concerned about your family and your property. A bankruptcy attorney can help you understand how to use Indiana exemptions to protect your home’s value and some of your most treasured possessions. Indiana homestead and wildcard exemptions, for example, can cover many thousands of dollars in residential and personal property value. You can also select Chapter 13 bankruptcy, which may allow you to remain in your home and catch up on mortgage payments. This prevents a shakeup in your living situation while you clear up your finances with bankruptcy.

Can I File for Bankruptcy If I’m Married or Divorced?

A woman can file for bankruptcy regardless of her marital status. Whether you are single, married, separated, widowed or divorced, you’re eligible to file.  If you’re married, your spouse doesn’t have to file for bankruptcy at the same time. If you’re contemplating divorce, however, speak to a bankruptcy attorney before filing for divorce so you can weigh your options and the potential consequences involved.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 or send an email for a free consultation. We are ready to help.

The post Are Women More Likely to File for Bankruptcy Than Men? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

What Can Bankruptcy Do for Me?

Bankruptcy is a way of dealing with debt for people who are having financial difficulties. During the bankruptcy process, a judge will review your circumstances and determine whether you qualify for a Chapter 7 bankruptcy to wipe out most debts. If a person does not qualify for a Chapter 7, the Court will determine how much a debtor must pay back to creditors in a Chapter 13. Bankruptcy is also a way to halt a home foreclosure and prevent further garnishments of your paycheck. In addition, it stops most creditors from hounding you because the law requires them to stop contacting you during your bankruptcy, and after your discharge.

What is the Cause of Most Bankruptcies?

Most bankruptcies do not occur because of lavish spending or fiscal irresponsibility. By far, the number one cause of bankruptcy in the United States is medical debt. The good news is medical debt can almost always be reduced or eliminated by bankruptcy. Other leading causes of bankruptcy include job loss, divorce, illness or injury that temporarily or permanently stops a person from making an income and unexpected expenses.

Will Bankruptcy Wipe Out All of My Debts?

Another important truth about bankruptcy is that it does not eliminate all types of debt. It won’t cancel out alimony payments, child support payments, student loans, back taxes or government fines. Also, you probably won’t be allowed to use bankruptcy to “pay off” expensive luxury items you purchased just prior to the bankruptcy, like a yacht or vacation home. However, you can usually eliminate credit card debt, unsecured loans, memberships and medical bills during bankruptcy. This goes a long way toward helping you become financially stable.

What Are the Consequences of Filing for Bankruptcy?

Filing for bankruptcy can feel emotionally draining because it takes time and requires you to follow a complex set of steps. Your creditors will become aware that you have filed for bankruptcy and it will remain on your credit report for up to 10 years. It could also be a few years before you qualify for a home mortgage and other types of loans. Don’t let these possible effects scare you, though. Bankruptcy is a responsible choice that tackles your financial liquidity head-on. With the help of an experienced bankruptcy attorney, you can streamline the bankruptcy process and get a fresh start as soon as possible.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 for a free consultation. We are ready to help.

The post What are the Truths and the Myths of Bankruptcy? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

What are the Advantages of Choosing Chapter 13 Bankruptcy?

Chapter 13 comes with many advantages. It offers flexibility in payment terms for any debts that aren’t eliminated by your bankruptcy. It allows you to reestablish a good name with your creditors, which is especially important if you’re a business owner or if you work in the financial sector. Chapter 13 is also a great choice for homeowners because it can halt foreclosure and allow you to stay in your home while you catch up on mortgage payments.

What are the Disadvantages of Choosing Chapter 13 Bankruptcy?

Chapter 13 isn’t for everyone. If speed is a concern, consider that Chapter 13 plans often take three to five years to complete. It’s also worth considering that if you file for Chapter 13 bankruptcy now, it could limit your ability to file for Chapter 7 bankruptcy for six years from the Chapter 13 filing date.

Will Chapter 13 Bankruptcy Get Rid of All My Debts?

Bankruptcy does not eliminate all types of debt. Student loans are typically not eligible for discharge under Chapter 13 bankruptcy. You can’t get rid of alimony payments, child support payments, some back taxes, or amounts owed related to causing personal injuries because of diving while intoxicated. However, bankruptcy can wipe out most credit card debt, medical bills and other unsecured debt, making it easier for you to pay your remaining monthly bills.

How Do I Decide Whether to File for Chapter 13 Bankruptcy?

Weigh the decision carefully with the help of an experienced Indiana bankruptcy attorney. Consider your total financial picture, including any property and other assets you absolutely want to keep. Investigate exemptions that can help protect your assets. Follow the advice of your bankruptcy attorney and use Chapter 13 bankruptcy to satisfy your creditors. It can give you a fresh financial outlook.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 for a free consultation. We are ready to help.

The post What are the Advantages and Disadvantages of Filing for Bankruptcy Under Chapter 13? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

Are Millennials Filing for Bankruptcy at Higher Rates Than Others?

There’s no question that millennials are filing for bankruptcy at higher rates than other generations. People between the ages of 23 and 38 currently account for almost 40% of all new filings. The number one debt source for this group is credit card debt, despite the fact that Generation Y also has the largest amount of student loan debt among all generations.

Why are Millennials Filing for Bankruptcy?

Millennials are the first generation of people who have always lived on debt. Unlike Gen X, baby boomers and the silent generation, younger people find it very difficult to make it through modern adult life without taking on student loans, car loans, home loans and many other types of debt. Economic simplicity is almost impossible. Credit card offers are everywhere and everything from cell phones to furniture can be financed. The average millennial has about $36,000 in personal debt, plus a home mortgage if they have one. Student loan debt among millennials is an average of $34,500. It’s a massive amount of debt.

Will Millennials Ever Get Out of Debt?

Sixty percent of millennials don’t believe there’s any way they will ever pay off all of their debt in their entire lifetime, a sad statistic indeed. Although 79% of them say they have a plan to pay off debt, the reality is they don’t seem to be making much headway paying down the total amount. With limited budgets, they mostly make small monthly payments that cover interest and fees only.

Should I Consider Filing for Bankruptcy?

Whether you’re a millennial or not, sometimes there’s not much else you can do to protect your current assets and your financial future other than file for bankruptcy. If you acquired multiple credit cards years ago when you were 18 or 19 years old, you may now be overwhelmed with debt now that you’re hitting age 30. It’s over 10 years of trying to pay down accrued high interest rates without much relief. There’s no need to feel ashamed of your situation. Instead, take a positive step forward by resolving your debts with the help of an experienced bankruptcy attorney.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 for a free consultation. We are ready to help.

The post Why Are More Millennials Facing Bankruptcy? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

Does the IRS Audit People Who File for Bankruptcy?

The IRS has no stated policy that they will audit someone who files for bankruptcy and they don’t seem to target people who file. In fact, it’s even possible that the IRS avoids bankruptcy filers knowing these people will already be going through a process that looks at their assets, liabilities and debts. Remember, the IRS has limited resources and millions of people file for bankruptcy. About one of every 55 households files for bankruptcy each year, and there’s no way the IRS has the resources to audit them all.

Is the IRS Prohibited from Auditing People Who Have Filed for Bankruptcy?

Although bankruptcy places an automatic stay, or halt, to debtors contacting you and demanding payment, the stay does not apply to the IRS. Bankruptcy can’t stop an audit. Under our federal Bankruptcy Code, the IRS can still audit you if they wish, and you would be required to comply with their requests. If you’re dealing with an audit and a bankruptcy simultaneously, you’ll need the help of an experienced bankruptcy attorney who can help you sort through your financial situation and decide on the most beneficial path forward.

Who Is at The Highest Risk of Audit During Bankruptcy?

While bankruptcy itself doesn’t put you at a higher risk of being audited, the IRS could still initiate an audit for other reasons. Certain groups of people do seem to be more closely scrutinized by the IRS. This includes people whose jobs pay them in cash, those who receive cash tips from customers, and the owners of large and small businesses. Protect yourself by keeping careful records and contact a bankruptcy attorney if the IRS ever questions your income during bankruptcy.

Can Filing for Bankruptcy Protect Me from an Audit?

There is no stated rule or law that says bankruptcy will prevent an audit, but you are generally less likely to be audited if you are following the law and staying on top of your finances. Bankruptcy is a proactive and responsible choice that helps you get your finances in order, so if you are ever audited you’ll have the confidence to sail through it smoothly.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 for a free consultation. We are ready to help.

The post Could I Get Audited by the IRS Because I Filed for Bankruptcy? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

Am I Going to Lose My Inheritance in Bankruptcy?

Even though every person’s financial circumstances are unique, generally speaking, it’s possible to lose an inheritance during bankruptcy unless it is protected by a state or federal exemption. If you have already inherited money or property before filing a bankruptcy, the assets that you hold can have a direct effect on a bankruptcy. If you become eligible to receive an inheritance within 180 days after filing, in most cases, it can be seized by a trustee and used to pay your creditors. The timing is based on the date of death of the person leaving you the inheritance, so it doesn’t matter if you have actually received the inheritance or not. In addition, if you inherit a house or other personal property, its value may determine what you must pay back to your creditors.

Is Chapter 13 Different From Chapter 7 With an Inheritance?

It does make a difference whether you are filing under Chapter 13 or Chapter 7 bankruptcy. After the 180-day post-filing mark, the bankruptcy trustee isn’t generally permitted to take your inheritance in Chapter 7 bankruptcy. But, in a Chapter 13, your inheritance may have an effect on what you have to pay back to creditors via your reorganization plan. All cases are different, so an experienced bankruptcy attorney can help advise you as to your particular situation.

Is There Any Way to Avoid Losing My Inheritance?

You can protect your inheritance by using a bankruptcy exemption that either protects inheritances specifically. This is most notable with regards to inheritances between spouses. Talk to your bankruptcy attorney about the options. Another possible way to avoid losing an inheritance is to receive it as a revocable living trust. Seek legal advice before going this route.

What If I Don’t Report the Inheritance to the Bankruptcy Trustee?

If you receive an inheritance before, during or after you declare bankruptcy, don’t be tempted to hide it from the bankruptcy trustee. This could be considered bankruptcy fraud, which is a reason for your discharge in bankruptcy to be denied. It can even result in federal criminal fraud charges and jail time. Instead, consult with an experienced bankruptcy attorney who can advise you on the best path forward.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 for a free consultation. We are ready to help.

The post If I Declare Bankruptcy, Will I Lose My Inheritance? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

Are you planning to travel internationally? If your travel will coincide with your bankruptcy, could this cause a conflict and prevent you from obtaining or renewing a U.S. passport? Could you be prevented from traveling internationally because of your debt? Here’s a look at what could happen if you need a passport during bankruptcy.

Can I Be Denied a Passport Because I Filed for Bankruptcy?

Bankruptcy itself is not a reason to deny a citizen’s passport. Under the U.S. Passport Denial Program, which is part of the Federal Collections and Enforcement Program, your passport can be denied for certain reasons. However, bankruptcy isn’t one of them. This program primarily focuses on denying passports to people who have unpaid back taxes or unpaid child support. However, it’s worth considering the potential impact of your international travel on your bankruptcy. Will it add to your debt? Could it be considered an extravagant expense? If so, the bankruptcy trustee may feel that you are acting in bad faith and this could affect whether you have a successful bankruptcy.

Will I Be Denied a Passport Because of My Student Loan Debt or Medical Debt?

Generally, no. An application for a U.S. passport isn’t usually denied due to medical bills or student loan debt. The U.S. government does not consider these reasons for passport denial. Keep in mind, though, if you are injured while traveling in another country and need medical care, it is possible that you could be denied care in that country due to your medical debt in your home country.

What If I Owe Back Taxes to the Government?

If you owe back taxes, it’s more likely your application for a passport could be denied. Government agencies routinely share the records of citizens who owe unpaid back taxes with the State Department, which reviews requests for passports. If a tax debt in excess of $50,000, the State Department may deny that application. Even if you somehow pay off your back taxes quickly, it may take up to 90 days for your case to be reviewed by the authorities and for the passport denial to be lifted.

What If I Owe Unpaid Alimony or Back Child Support?

Either unpaid alimony or owing back child support can be a reason to deny approval of a passport application. The federal Office of Child Support Enforcement (OCSE) submits the records of parents who are certified by a state as owing back child support in excess of $2,500. If you are added to the Passport Denial list, you can’t receive a passport until the debt is settled. This means you will either have to pay the entire past due amount, enter into a state court ordered repayment plan, or file for a Chapter 13 bankruptcy to repay the debt over time. In this situation, bankruptcy could actually help you obtain your passport because you may be removed from the Passport Denial list after the debt is paid. These processes takes some time, so talk to an experienced bankruptcy attorney as soon as possible.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 or send an email for a free consultation. We are ready to help.

The post Can Bankruptcy Affect My Application For A U.S. Passport? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.

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 Score?

While we completely understand why you’d worry that bankruptcy could harm your credit, let’s clear something up. Bankruptcy is actually a route to improving your credit score, not making it worse. Many of the clients we see at the offices of Sawin & Shea arrive at our doorstep with very low (bad) credit scores. However, after they file for bankruptcy, they can often achieve a better score fairly quickly. An even higher score is absolutely within reach after your bankruptcy is complete.

How Does Bankruptcy Help My Credit Rating?

Bankruptcy significantly reduces or eliminates your legal responsibility to pay the vast majority of your debt. During the bankruptcy process, we will plan how best to discharge your creditors and force them to stop hounding you for payments. By the time you wrap up your bankruptcy, you will have a much “cleaner” platform to start making your credit better. In fact, you might even find yourself receiving fresh credit offers because those companies realize you’ve taken a responsible step toward financial stability.

Will I Ever Be Able to Buy a Car or House Again?

While buying a car or a house is usually not possible during a Chapter 7 bankruptcy, after it concludes you will have a new start financially. If you do the right things with your credit after bankruptcy, buying a car or house at a good interest rate will be available to you in the future. For a Chapter 13 bankruptcy, you may be able to buy a house during your bankruptcy with the approval of the trustee or the bankruptcy court. Chapter 13 bankruptcy can be a good choice for homeowners who wish to protect their house and ensure their family remains safe and secure at home.

How Difficult Is It to File for Bankruptcy and Re-establish My Credit?

Filing for bankruptcy is easier with the help of an Indiana bankruptcy attorney. You’ll work with your attorney to create a plan that accommodates your lifestyle and your level of income, so you can pay your bills on time every month. Remember, filing for bankruptcy isn’t simply about looking good to creditors and having a stellar credit score. The most important part is creating a new financial payment plan you can manage, so you can settle your financial problems now and look ahead to a better future.

Sawin & Shea – Indianapolis Bankruptcy Attorneys

Filing for bankruptcy is not the end. It’s the beginning of a new financial life for you. The Indiana bankruptcy attorneys at Sawin & Shea can help you get rid of the overwhelming debt and advise you on life after bankruptcy.  We are here for you during this life-changing process. Please do not hesitate to call us today at 317-759-1483 or send an email for a free consultation. We are ready to help.

The post If I File For Bankruptcy, What Happens To My Credit Rating? appeared first on Indianapolis Bankruptcy Attorneys of Sawin & Shea.