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File Bankruptcy vs. Doing Nothing

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Should I File Bankruptcy or Do Nothing?

One of the questions we get asked quite often is: Do I really need to file a bankruptcy? That’s an individual question for each individual person. We do offer a free consultation to talk about it, but there are some bad things that can continue to happen if you do nothing. If you’re having problems with creditors, debt collections, lawsuits, and garnishments, all those things will continue without bankruptcy. We can use either a Chapter 7 or a Chapter 13 to stop those. We can stop foreclosures. We can stop car repossessions. Those things will not stop without a bankruptcy. Bankruptcy also can help people get back on track with their credit. A common misconception is that bankruptcy will cause significant harm to your credit. In fact, most of my clients who already have damaged credit due to collection efforts in the past, their credit score actually goes up after filing a bankruptcy. It is a way that you can get your credit life back on track. Please call us for a free consultation. We’d be happy to talk to you about how bankruptcy can work for you. Give us a call today at 317-759-1483.

Free Consultation – Call Today at 317-759-1483

Andrew Sawin has concentrated his practice in the field of Consumer Bankruptcy for the past 15 years. Andrew is a member of the Indianapolis Bar Association, the Indiana State Bar Association and the National Association of Consumer Bankruptcy Attorneys.

Richard Shea has concentrated his practice in the field of Consumer Bankruptcy for the past 11 years. He has served on the Local Rules and Procedures Advisory Committee of the United States Bankruptcy Court for the Southern District of Indiana and has taught at bankruptcy seminars.

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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.

$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.