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When Should I File for Bankruptcy?

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Filing for Bankruptcy, When Is a Good Time to-do It?

When should we file for bankruptcy? The answer to that question is complicated. There are a lot of different factors to consider. I think a more appropriate question is, “When should we start talking to an attorney about filing for bankruptcy?” The answer to that is as soon as possible. As soon as you begin to even think that you might need to file for bankruptcy, you should get in touch with us and arrange a free consultation. Often times, we see folks that have done things prior to filing for bankruptcy that caused them problems down the road. We can counsel them about that and help them avoid those problems. Another thing that we see people do far too often is take money out of their retirement accounts and use that money to try to repay some of their debts, debts that could be eliminated in either a Chapter 7 or a Chapter 13 bankruptcy. Those retirement funds are protected by law, and you can file a bankruptcy with plenty of money in the in the in the retirement account and not have to worry about it. Again, the time to call us to talk about filing for bankruptcy is the moment that you might need to file for bankruptcy. Our consultations are free. There’s no cost. There’s no obligation. Get in touch with us as soon as you think you might need to file for bankruptcy. We’ll be happy to sit down with you and talk about your situation. Give us a call today at 317-759-1483.

About the Attorneys

Andrew Sawin received his Bachelor of Arts degree from Indiana University in 1989 and his Doctor of Jurisprudence from Indiana University School of Law – Indianapolis in 1995. He has concentrated his practice in the field of Consumer Bankruptcy for the past 15 years.

Richard Shea graduated from California State Polytechnic University, Pomona with a Bachelor of Science degree in Hotel & Restaurant Management in 1995 and received his Doctor of Jurisprudence from Indiana University School in 1998.

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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.