IMPORTANT UPDATE During the COVID-19 Pandemic and subject to Emergency Orders as issued by the Governor of Indiana, our office will continue to function as we have been designated as an “essential service”. In order to protect our clients, staff and community we will, however, be operating remotely. With today’s technology, most of our day […]

The COVID -19 pandemic has caused many previously unforeseen changes to our daily lives and the laws and regulations which govern them. Here are a few notable issues which may impact our clients: BANKRUPTCY The CARE Act will exclude stimulus checks and other payments from being considered as income for MEANS testing or calculation of […]

For individuals, the most common bankruptcy options are Chapter 7 and Chapter 13. Determining which one to file under depends on several factors.  Your attorney will review your income, expenses, property/assets, type and amount of debt, and whether you have a previous bankruptcy discharge when recommending the best option for you. CHAPTER 7 BANKRUPTCY In […]

Notice of your bankruptcy filing will go to assorted people, businesses and organizations known as your creditors. You will be asked to provide a list of all your creditors when filing for bankruptcy. We suggest a three agency credit search be made as well to help ensure all of your creditors are identified. The list […]

Hiring an attorney that is familiar with the bankruptcy processes can be beneficial in providing professional guidance while making decisions to restore your financial independence. An experienced bankruptcy attorney will review/plan your case and assist you in making decisions that result in the most advantageous outcome. Legal representation could ultimately save you money, reveal potential […]

We have all heard the commercials – usually for larger consumer purchases such as cars, furniture or electronics –  offering zero-interest financing for a stated period of time. Great deal, right? Well, maybe not. Astute businesses do not loan money for free; there is always a cost. In these instances, it is quite likely that […]

There is no quick fix for a low credit score, despite the many magic bullets promised in ads online, on tv, on the radio, and everywhere else you look. The first step to addressing a low score is to check your report from each of the three main credit reporting agencies: Experian, Equifax and TransUnion. […]

Immediately upon the bankruptcy being filed, an Automatic Stay Order is entered by the bankruptcy court. The Automatic Stay is an order staying or putting a halt to all collection activity. Notice of the Automatic Stay is provided to all creditors who are identified in your bankruptcy schedules. This Notice is normally mailed to creditors […]

Joe and Mary have been married for 20 years and have one child in college, one in high school and one in middle school. There is an elderly parent that they help to care for and support. Both are employed outside the home. Speaking of homes, they live in a moderate house in a safe […]

A tax refund in considered to be an intangible asset just like cash, stocks, bonds, account deposits and receivables. As such it is entitled to protection along with all other intangible assets in the total amount of $400 for a single individual filer; $800 for a couple under Indiana law. (This figure changes from time […]