# Whitten & Whitten --- ## Pages - [Lambreni Tsampis](https://kmslawoffice.net/about-us/lambreni-tsampis/): Find reliable bankruptcy assistance. Get guidance on debt relief options and financial recovery from our Valparaiso bankruptcy lawyer. Call our team today to learn more. - [Maria Jimenez](https://kmslawoffice.net/about-us/maria-jimenez/): Maria Jimenez is an essential part of our team, working as a legal assistant alongside our Merrillville Chapter 13 bankruptcy attorneys at Whitten & Whitten. - [Lynn Perry](https://kmslawoffice.net/about-us/lynn-perry/): Lynn Perry is a member of our team, serving as a paralegal with our Dyer Chapter 7 bankruptcy lawyers at Whitten & Whitten. - [Amanda A. Lawrence](https://kmslawoffice.net/about-us/amanda-a-lawrence/): Discover how Amanda A. Lawrence serves as a seasoned Merrillville bankruptcy attorney at Whitten & Whitten. - [Brittany Jensen](https://kmslawoffice.net/about-us/brittany-jensen/): Brittany Jensen serves on our team as a Highland chapter 13 bankruptcy attorney at Whitten & Whitten. - [How Does Bankruptcy Stop Collection Activity?](https://kmslawoffice.net/bankruptcy/how-does-bankruptcy-stop-collection-activity-2/): At Whitten & Whitten, our Merrillville Chapter 7 bankruptcy lawyers help you understand the powerful ways bankruptcy halts creditors in their tracks, giving you peace of mind and a fresh start. - [FAQs](https://kmslawoffice.net/faqs/): Get clear answers to your pressing bankruptcy questions with our comprehensive FAQ page, designed to demystify the process and empower your decisions. Call our South Bend bankruptcy lawyers. --- ## Posts - [What Are the Warning Signs That You Need to File for Bankruptcy?](https://kmslawoffice.net/what-are-the-warning-signs-that-you-need-to-file-for-bankruptcy/): These six warning signs indicate it may be time to file for bankruptcy. Let Whitten & Whitten's Portage bankruptcy lawyers analyze your situation. - [Will I Lose My House If I File for Bankruptcy?](https://kmslawoffice.net/will-i-lose-my-house-if-i-file-for-bankruptcy/): Filing bankruptcy doesn't always mean losing your home. Whitten & Whitten's Hobart foreclosure defense attorneys work to protect your house using exemptions and more. - [How Can I Keep My Bankruptcy Private?](https://kmslawoffice.net/how-can-i-keep-my-bankruptcy-private/): Want to keep your bankruptcy out of the spotlight? Whitten & Whitten's Hobart bankruptcy lawyers help you maintain privacy and focus on the benefits. - [Why Are There Different Bankruptcy Chapters?](https://kmslawoffice.net/why-are-there-different-bankruptcy-chapters/): Different bankruptcy chapters exist to help people of all financial situations. Whitten & Whitten’s Dyer bankruptcy lawyer can guide you to the right solution. - [What Happens to Secured Debt in Bankruptcy?](https://kmslawoffice.net/what-happens-to-secured-debt-in-bankruptcy/): Secured debt is handled differently under Chapter 7 and Chapter 13 bankruptcy. Whitten & Whitten's Dyer bankruptcy lawyers help you explore your options. - [Can Bankruptcy Stop a Lawsuit?](https://kmslawoffice.net/can-bankruptcy-stop-a-lawsuit/): Facing a debt lawsuit? Bankruptcy in Hobart can stop lawsuits with an automatic stay and give you a fresh start. Let Whitten & Whitten help. - [What Debts Are Not Discharged in Bankruptcy?](https://kmslawoffice.net/what-debts-are-not-discharged-in-bankruptcy/): Some debts, like student loans and taxes, can't be discharged in bankruptcy to be fair to creditors. Whitten & Whitten's Griffith Chapter 13 Bankruptcy lawyer can maximize your financial relief. - [Can You Modify a Chapter 13 Bankruptcy Plan?](https://kmslawoffice.net/can-you-modify-a-chapter-13-bankruptcy-plan/): You can modify your Chapter 13 bankruptcy plan due to financial changes, errors, and more. Let Whitten & Whitten's Chapter 13 bankruptcy attorneys on Gary help you navigate the process. - [How Does Bankruptcy Affect Tax Refunds in Indiana?](https://kmslawoffice.net/how-does-bankruptcy-affect-tax-refunds-in-indiana/): Learn how tax refunds are treated in bankruptcy in Indiana. Explore strategies to protect your money with Whitten & Whitten's Highand foreclosure defense lawyers. - [Can Filing for Bankruptcy Stop My Eviction?](https://kmslawoffice.net/can-filing-for-bankruptcy-stop-my-eviction/): Filing for bankruptcy in Indiana may delay or prevent eviction, but it's not guaranteed. Contact the Hobart Chapter 7 bankruptcy attorneys at Whitten & Whitten to find the best solution for your situation. - [What Is the Means Test in Bankruptcy?](https://kmslawoffice.net/what-is-the-means-test-in-bankruptcy/): Learn about the Chapter 7 Means Test, how it affects your bankruptcy eligibility, and what to do if you don't qualify. Contact Whitten & Whitten for support from our Lafayette Chapter 7 bankruptcy attorneys. - [How Does Bankruptcy Affect Joint Accounts?](https://kmslawoffice.net/how-does-bankruptcy-affect-joint-accounts/): Wondering how bankruptcy affects your joint accounts? Explore the impact with Whitten & Whitten and find ways to protect yourself. Contact our Merrillville chapter 7 bankruptcy lawyers today. - [What Happens to My Lease if I File Bankruptcy?](https://kmslawoffice.net/what-happens-to-my-lease-if-i-file-bankruptcy/): Considering bankruptcy but worried about your living situation? Contact Whitten & Whitten's Portage foreclosure defense lawyer for guidance on navigating bankruptcy and leases. - [Should you File for Bankruptcy or Debt Settlement?](https://kmslawoffice.net/should-you-file-for-bankruptcy-or-debt-settlement/): Weigh the benefits and drawbacks of bankruptcy and debt settlement with Whitten & Whitten. Contact our Porter County Chapter 13 bankruptcy attorney today for help making a decision. - [Can Bankruptcy Impact My Career?](https://kmslawoffice.net/can-bankruptcy-impact-my-career/): Discover why the likelihood of bankruptcy impacting your career is minimal. Reach out to Whitten & Whitten's Schererville Chapter 7 bankruptcy lawyers for guidance on securing a stable financial future. - [Will Filing for Bankruptcy Affect My Non-Filing Spouse?](https://kmslawoffice.net/will-filing-for-bankruptcy-affect-my-non-filing-spouse/): Discover how bankruptcy can affect your non-filing spouse and explore strategies to protect them. Contact Whitten & Whitten's South Bend Chapter 13 bankruptcy attorneys today for more guidance! - [How Does Bankruptcy Affect Cosigned Loans?](https://kmslawoffice.net/how-does-bankruptcy-affect-cosigned-loans/): Considering bankruptcy? Explore how your cosigned loans will be affected. Contact Whitten & Whitten's Valparaiso Chapter 13 bankruptcy lawyer today to learn more about your options. - [Will People Find Out About My Bankruptcy?](https://kmslawoffice.net/will-people-find-out-about-my-bankruptcy/): Discover how bankruptcy impacts your privacy and how to protect yourself. Contact Whitten & Whitten's Chesterton Chapter 7 bankruptcy lawyers today for guidance in your financial journey! - [Will I Still Be Able to Retire If I File for Bankruptcy?](https://kmslawoffice.net/will-i-still-be-able-to-retire-if-i-file-for-bankruptcy/): Discover how bankruptcy can impact your retirement. Contact Whitten & Whitten's Crown Point Chapter 13 bankruptcy attorney today for guidance to protect your financial future! - [Don't Do These 5 Things Before Filing for Bankruptcy](https://kmslawoffice.net/dont-do-these-5-things-before-filing-for-bankruptcy/): Avoid making these five mistakes before filing for bankruptcy. Contact Whitten & Whitten's Dyer Chapter 13 bankruptcy attorneys to secure your financial future today! - [How Does Life Change After Bankruptcy?](https://kmslawoffice.net/how-does-life-change-after-bankruptcy/): Bankruptcy can be a fresh start. Discover all the positive transformations that await you with Whitten & Whitten. Call today, and let our Valparaiso Chapter 7 bankruptcy lawyer guide you. - [5 Reasons Why You Shouldn't Feel Bad for Filing Bankruptcy](https://kmslawoffice.net/5-reasons-why-you-shouldnt-feel-bad-for-filing-bankruptcy/): Filing for bankruptcy is a strategic decision for financial control. Explore five reasons why you shouldn't feel ashamed with Whitten & Whitten. Call our Portage Chapter 13 bankruptcy attorneys now. - [Can I File Bankruptcy if I Owe Past Due Child Support?](https://kmslawoffice.net/can-i-file-bankruptcy-if-i-owe-past-due-child-support/): Learn how to manage past due child support during bankruptcy with legal guidance from Whitten & Whitten. Call our Northwest Indiana Chapter 7 bankruptcy lawyers and discover your options today. - [What Happens After an Automatic Stay Is Issued During Bankruptcy?](https://kmslawoffice.net/what-happens-after-an-automatic-stay-is-issued-during-bankruptcy/): Find out what happens after an automatic stay is issued during bankruptcy with insight from Whitten & Whitten. Call our Highland Chapter 13 bankruptcy attorney now to rebuild your future. - [Should You Tap into Your 401(k) to Prevent Bankruptcy?](https://kmslawoffice.net/should-you-tap-into-your-401k-to-prevent-bankruptcy/): Weigh the benefits of using your 401(k) to avert bankruptcy with insights from Whitten & Whitten. Let our Schererville Chapter 7 bankruptcy attorneys help you make informed financial decisions. - [Does Bankruptcy Stop Wage Garnishment?](https://kmslawoffice.net/does-bankruptcy-stop-wage-garnishment/): Learn how bankruptcy can halt wage garnishment and help you regain financial control with Whitten & Whitten Law's Dyer Chapter 7 bankruptcy lawyer. Call to learn more. - [What If My Income Changes During a Chapter 13 Bankruptcy?](https://kmslawoffice.net/what-if-my-income-changes-during-a-chapter-13-bankruptcy/): Explore how income changes affect Chapter 13 Bankruptcy and steps to manage it with guidance from Whitten & Whitten's Merrillville Chapter 13 bankruptcy lawyers. - [How Much Debt Do I Need to File for Bankruptcy?](https://kmslawoffice.net/how-much-debt-do-i-need-to-file-for-bankruptcy/): Explore bankruptcy options with Whitten & Whitten's attorneys to navigate debt and start anew. Contact our Merrillville Chapter 7 bankruptcy lawyers for guidance. - [Do You Get Out of All Debts if You Declare Bankruptcy?](https://kmslawoffice.net/do-you-get-out-of-all-debts-if-you-declare-bankruptcy/): Explore bankruptcy with Whitten & Whitten to discern which debts can be discharged. Call today to secure invaluable legal aid for your case with a Griffith Chapter 13 bankruptcy attorney. - [If I File for Bankruptcy, Can I Keep My Car?](https://kmslawoffice.net/if-i-file-for-bankruptcy-can-i-keep-my-car/): The idea of losing your car to bankruptcy is undeniably stressful, but you may be eligible to keep your vehicle depending on your circumstances. Talk to our South Bend bankruptcy lawyer at Whitten & Whitten. - [How Can I Avoid Foreclosure on my House in Indiana?](https://kmslawoffice.net/how-can-i-avoid-foreclosure-on-my-house-in-indiana/): The Lafayette bankruptcy attorneys at Whitten & Whitten are committed to guiding you through the complexities of Chapter 13 bankruptcy, offering a potential lifeline to avoid foreclosure and secure your financial future. - [Will Bankruptcy Affect My Taxes?](https://kmslawoffice.net/will-bankruptcy-affect-my-taxes/): Filing taxes after bankruptcy can be complicated. At Whitten & Whitten, our Hobart bankruptcy attorneys are prepared to navigate the complexities of tax obligations in the wake of bankruptcy. - [How Long Does an Indiana Bankruptcy Take?](https://kmslawoffice.net/how-long-does-an-indiana-bankruptcy-take/): At Whitten & Whitten, our team of Lafayette bankruptcy attorneys is dedicated to guiding you through the complex bankruptcy process, providing professional advice and strategic solutions tailored to your unique financial situation. - [Can Your Student Loans Be Discharged In Bankruptcy?](https://kmslawoffice.net/can-your-student-loans-be-discharged-in-bankruptcy/): At Whitten & Whitten, our experienced Porter County bankruptcy lawyers are committed to guiding individuals through the complexities of student loan debt and bankruptcy. - [Should I File For Bankruptcy Before The Holidays?](https://kmslawoffice.net/should-i-file-for-bankruptcy-before-the-holidays/): Whitten & Whitten, the experienced Schererville Chapter 7 bankruptcy attorneys, help individuals through the complexities of filing bankruptcy during the holiday season. - [A Simplified Survival Guide to Chapter 13 Bankruptcy](https://kmslawoffice.net/a-simplified-survival-guide-to-chapter-13-bankruptcy/): Navigate through Chapter 13 bankruptcy with ease by consulting our Merrillville bankruptcy attorney and our survival guide. - [The Stigma of Bankruptcy](https://kmslawoffice.net/the-stigma-of-bankruptcy/): Break free from the stigma of bankruptcy; let our Merrillville bankruptcy attorney guide you to a fresh start without the weight of judgment. - [Your Credit Rating & Bankruptcy](https://kmslawoffice.net/your-credit-rating-bankruptcy/): Understand how bankruptcy affects your credit rating and discover paths to recovery with insights from our Merrillville bankruptcy attorney. - [Mortgage After Bankruptcy?](https://kmslawoffice.net/mortgage-after-bankruptcy/): Exploring the possibility of owning a home post-bankruptcy? Our Highland bankruptcy attorney provides key strategies for securing a mortgage after bankruptcy. - [A New Car After Bankruptcy?](https://kmslawoffice.net/a-new-car-after-bankruptcy/): Dreaming of a new car after bankruptcy? Learn how achievable it is with practical advice from our experienced Merrillville Chapter 13 bankruptcy lawyer. - [Secrets to Building Credit After Bankruptcy](https://kmslawoffice.net/secrets-to-building-credit-after-bankruptcy/): Unlock the secrets to rebuilding your credit after bankruptcy with actionable steps from our Hobart Chapter 7 bankruptcy attorney. - [Bankruptcy & Divorce](https://kmslawoffice.net/bankruptcy-divorce/): Facing bankruptcy and divorce simultaneously? Get compassionate guidance from our Gary Chapter 7 bankruptcy lawyer to navigate this complex situation. - [Is it Time for Bankruptcy? The Ultimate 10-Point Checklist](https://kmslawoffice.net/is-it-time-for-bankruptcy-the-ultimate-10-point-checklist/): Considering bankruptcy? Use our ultimate 10-point checklist crafted by our Gary bankruptcy attorney to determine if it's the right time for you. - [7 Bankruptcy Myths Exposed](https://kmslawoffice.net/7-bankruptcy-myths-exposed/): Dispelling bankruptcy myths: Get the facts and debunk common misconceptions with help from our Schererville Chapter 13 bankruptcy attorney. - [Filing for Bankruptcy Before the Holidays](https://kmslawoffice.net/filing-for-bankruptcy-before-the-holidays/): Explore the pros and cons of filing for bankruptcy before the holidays with this comprehensive guide. Get insights, actionable tips, and professional advice from experienced Gary bankruptcy lawyers to navigate your financial challenges and start fresh in the New Year. - [How to Stop Repossession of Your Vehicle](https://kmslawoffice.net/how-to-stop-repossession-of-your-vehicle/): Secure your vehicle from repossession with the help of our Highland Chapter 13 bankruptcy lawyers. Learn about the repossession process, its consequences, and how bankruptcy can provide a solution. - [Can I Give Gifts Before Filing for Bankruptcy?](https://kmslawoffice.net/can-i-give-gifts-before-filing-for-bankruptcy/): Our Merrillville bankruptcy lawyer explains gifts allowed during bankruptcy and those that could create problems. - [How to Overcome a Spending Problem](https://kmslawoffice.net/how-to-overcome-a-spending-problem/): Overspending can easily lead to overwhelming debt problems. Our Dyer bankruptcy lawyers help you get the financial fresh start you need. - [Tips for Managing Stress During Bankruptcy](https://kmslawoffice.net/tips-for-managing-stress-during-bankruptcy/): Dealing with debt is stressful. So is handling it through bankruptcy. See how the Merrillville Chapter 7 bankruptcy attorneys at Whitten & Whitten can assist you. - [Can I File Bankruptcy on Medical Bills?](https://kmslawoffice.net/can-i-file-bankruptcy-on-medical-bills/): Bankruptcy stops creditor adverse actions and discharges medical and other unsecured debt. Bankruptcy also gives debtors the option to repay this debt on their terms. Call our Valparaiso bankruptcy lawyers. - [How Long After Bankruptcy Can I Get a Credit Card?](https://kmslawoffice.net/how-long-after-bankruptcy-can-i-get-a-credit-card/): Filing bankruptcy lowers your credit score, but it does not cause a score to nose dive. Responsible post-bankruptcy credit use, like borrowing money, raises an after-bankruptcy credit score even higher. Call our Merrillville Chapter 13 bankruptcy attorney. - [Five of the Most Common Myths About Bankruptcy](https://kmslawoffice.net/five-of-the-most-common-myths-about-bankruptcy/): Bankruptcy myths usually involve misunderstandings about asset protection and the bankruptcy process. Call our Merrillville Chapter 7 bankruptcy lawyers for help. - [Can I File for Bankruptcy More Than Once?](https://kmslawoffice.net/can-i-file-for-bankruptcy-more-than-once/): The serial filing rule and the waiting period rule are the two biggest rules in this area. People cannot constantly file bankruptcy to frustrate creditors, and they cannot immediately obtain subsequent bankruptcy discharges. Sometimes, a second filing is part of a Gary bankruptcy attorney’s legal strategy. - [Does Bankruptcy Take Care of Past-Due Utility Bills?](https://kmslawoffice.net/does-bankruptcy-take-care-of-past-due-utility-bills/): Past due balances of utility bills may be considered unpaid debts, and filing for bankruptcy may be an answer. Merrillville bankruptcy attorneys at Whitten & Whitten deal with consequences of debts separately and are available to consult you about your situation. - [Can I File for Bankruptcy if I am in the Military?](https://kmslawoffice.net/can-i-file-for-bankruptcy-if-i-am-in-the-military/): If servicemembers or other debtors do not meet Indiana’s residency requirement, they may use the exemptions from another state. They are still able to file for bankruptcy in Indiana. Additionally, if financial problems threaten your security clearance, a Highland bankruptcy attorney knows how to protect it. - [The Basics of Chapter 13 Bankruptcy](https://kmslawoffice.net/the-basics-of-chapter-13-bankruptcy/): Many people have debts they cannot pay, and there are different options for filing bankruptcy cases to help. Let a bankruptcy attorney in Merrillville evaluate your best options today. - [I Just Moved: Can I File for Bankruptcy?](https://kmslawoffice.net/i-just-moved-can-i-file-for-bankruptcy/): If you are considering bankruptcy, you do qualify to file even if you recently moved to a new state. However, there are pros and cons that affect when you should file. Contact a Merrillville bankruptcy lawyer to learn about how timing provides certain advantages. - [Common Indiana Bankruptcy Exemptions](https://kmslawoffice.net/common-indiana-bankruptcy-exemptions/): If you are filing for bankruptcy in Indiana, check with a Merrillville bankruptcy lawyer to see if any of your property is exempt under state law. Call Whitten & Whitten to begin. - [Key Differences in Chapter 7 and Chapter 13 Bankruptcy](https://kmslawoffice.net/key-differences-in-chapter-7-and-chapter-13-bankruptcy/): Bankruptcy law and consumer bankruptcy filings involve a wide range of legal terms that can be complicated for a debtor to understand. While it is important to learn more about the type of bankruptcy you will be filing, the Northwest Indiana bankruptcy attorneys Whitten & Whitten can assist you with your case. - [Bankruptcy and COVID-19](https://kmslawoffice.net/bankruptcy-and-covid-19/): Bankruptcy and COVID-19: Understand the implications and receive tailored advice from our Griffith Chapter 7 bankruptcy attorney to protect your financial future. --- ## City-State - [Schererville Bankruptcy Lawyers](https://kmslawoffice.net/citystate/schererville-bankruptcy-lawyers/): Find peace of mind with Whitten & Whitten. Our Schererville bankruptcy lawyers offer compassionate support and tailored solutions for your financial needs. - [Crown Point Chapter 7 Lawyer](https://kmslawoffice.net/citystate/crown-point-chapter-7-lawyer/): Need a fresh financial start? Whitten & Whitten's Crown Point Chapter 7 lawyer can help safeguard your property and plan for the future. - [Bankruptcy Lawyer Chesterton](https://kmslawoffice.net/citystate/bankruptcy-lawyer-chesterton/): Considering bankruptcy? Learn more here and call our Chesterton bankruptcy lawyer for more information. - [Chapter 7 Bankruptcy Attorney Porter County](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-attorney-porter-county/): Even with limited resources, financial recovery is possible. Whitten & Whitten's Porter County Chapter 7 bankruptcy attorney can guide you through your options. - [Bankruptcy Attorney Dyer](https://kmslawoffice.net/citystate/bankruptcy-attorney-dyer/): Whitten & Whitten's bankruptcy attorney in Dyer simplifies the process, offering unparalleled guidance and care to help you regain financial control. - [Chapter 13 Lawyers Highland](https://kmslawoffice.net/citystate/chapter-13-lawyers-highland/): Whitten & Whitten's Chapter 13 lawyers in Highland help you regain financial control when it seems like there’s no hope. Let us create a repayment plan for you. - [Bankruptcy Attorney Chesterton](https://kmslawoffice.net/citystate/bankruptcy-attorney-chesterton/): Whitten & Whitten's experienced bankruptcy attorney in Chesterton helps you face bankruptcy without fear. Maximize the benefits of a fresh start today. - [Crown Point Chapter 7 Bankruptcy Attorney](https://kmslawoffice.net/citystate/crown-point-chapter-7-bankruptcy-attorney/): Whitten & Whitten's Crown Point Chapter 7 bankruptcy attorney gives you hope when you feel hopeless. Trust us to eliminate debt and stop creditor harassment. - [Merrillville Chapter 13 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/merrillville-chapter-13-bankruptcy-attorneys/): Struggling with debt? Whitten & Whitten's Merrillville Chapter 13 bankruptcy attorneys stop creditors and help you regain control. A new beginning starts here. - [Chapter 13 Bankruptcy Lawyers Valparaiso](https://kmslawoffice.net/citystate/chapter-13-bankruptcy-lawyers-valparaiso/): Whitten & Whitten's Chapter 13 bankruptcy lawyers in Valparaiso can help you keep your belongings while regaining financial stability. Contact us today! - [Hobart Bankruptcy Attorneys](https://kmslawoffice.net/citystate/hobart-bankruptcy-attorneys/): Work with the trusted Hobart bankruptcy attorneys at Whitten & Whitten to make bankruptcy stress-free. We offer guidance tailored to your financial situation. - [Griffith Chapter 7 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/griffith-chapter-7-bankruptcy-attorneys/): Work with the trusted Hobart bankruptcy attorneys at Whitten & Whitten to make bankruptcy strSummary: Explore debt relief with Whitten & Whitten, Griffith's trusted Chapter 7 bankruptcy attorneys. We analyze your situation with adept precision. - [Chapter 13 Bankruptcy Attorneys Munster](https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-munster/): Summary: Whitten & Whitten's Chapter 13 bankruptcy attorneys in Munster help protect your assets and achieve financial stability. Let us support you today. - [Chapter 7 Bankruptcy Lawyers Hammond](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyers-hammond/): When you're struggling, Whitten & Whitten's Chapter 7 bankruptcy lawyers in Hammond can help you find financial relief. Let us help you overcome this. - [Chesterton Bankruptcy Attorneys  ](https://kmslawoffice.net/citystate/chesterton-bankruptcy-attorneys/): Whitten & Whitten's Chesterton bankruptcy attorneys provide personalized support to help you understand your bankruptcy and get the relief you need. Choose us. - [Dyer Bankruptcy Lawyers](https://kmslawoffice.net/citystate/dyer-bankruptcy-lawyers/): With guidance and support from Whitten & Whitten's Dyer bankruptcy lawyers, hope exists for a better financial future. Let us help you navigate your options. - [Chapter 13 Bankruptcy Attorneys Schererville](https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-schererville/): Whitten & Whitten's Chapter 13 bankruptcy attorneys in Schererville help you regain financial stability with tailored solutions. Contact us today! - [Chapter 7 Bankruptcy Lawyers Griffith](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyers-griffith/): Struggling with debt? Whitten & Whitten's Chapter 7 bankruptcy lawyers in Griffith thoroughly analyze your situation to find a path forward. - [Bankruptcy Lawyers Highland](https://kmslawoffice.net/citystate/bankruptcy-lawyers-highland/): You don't have to let creditors take advantage of you. Whitten & Whitten's bankruptcy lawyers in Highland help you explore your options and find relief. - [Bankruptcy Attorneys Cedar Lake](https://kmslawoffice.net/citystate/bankruptcy-attorneys-cedar-lake/): Whitten & Whitten's bankruptcy attorneys in Cedar Lake help you protect assets, rebuild finances, and secure a stable financial future. - [Bankruptcy Lawyers Munster](https://kmslawoffice.net/citystate/bankruptcy-lawyers-munster/): Escape debt and rediscover joy in your life with Whitten & Whitten. Our bankruptcy lawyers in Munster show you compassion when you need it most. Contact us now. - [Gary Chapter 7 Bankruptcy Attorneys  ](https://kmslawoffice.net/citystate/gary-chapter-7-bankruptcy-attorneys/): Explore your options for financial recovery with the Gary Chapter 7 bankruptcy attorneys at Whitten & Whitten. Call us now - it's time to secure a fresh start. - [Chapter 13 Bankruptcy Lawyers Crown Point  ](https://kmslawoffice.net/citystate/chapter-13-bankruptcy-lawyers-crown-point/): When life feels overwhelming, regain control with the help of Whitten & Whitten's Chapter 13 bankruptcy lawyers in Crown Point. Contact us today. - [Bankruptcy Attorneys Hammond  ](https://kmslawoffice.net/citystate/bankruptcy-attorneys-hammond/): At Whitten & Whitten, our bankruptcy attorneys in Hammond help you confidently regain financial stability. You don't have to do this alone - contact us today. - [Foreclosure Defense Lawyers South Bend](https://kmslawoffice.net/citystate/foreclosure-defense-lawyers-south-bend/): Whitten & Whitten’s foreclosure defense lawyers in South Bend offer empathetic and personalized support to protect your home. Call us now. - [Bankruptcy Attorney La Porte](https://kmslawoffice.net/citystate/bankruptcy-attorney-la-porte/): Facing financial struggles? Call Whitten & Whitten. Our bankruptcy attorney in La Porte can turn bankruptcy into a fresh start for a stronger, debt-free life. - [Chapter 7 Bankruptcy Attorneys Valparaiso](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-attorneys-valparaiso/): If you feel trapped by debt, our Chapter 7 bankruptcy attorneys in Valparaiso can offer you a path to hope. Reach out to Whitten & Whitten today. - [Bankruptcy Lawyer Hobart](https://kmslawoffice.net/citystate/bankruptcy-lawyer-hobart/): When you feel there's no way forward, find hope with a bankruptcy lawyer in Hobart. Contact Whitten & Whitten now to reclaim your life! - [LaPorte County Chapter 7 Bankruptcy Lawyers](https://kmslawoffice.net/citystate/laporte-county-chapter-7-bankruptcy-lawyers/): If you're looking for Chapter 7 bankruptcy lawyers in LaPorte County who can reduce the impact of your filing, Whitten & Whitten is here to help. Call us now. - [LaPorte County Chapter 13 Attorney](https://kmslawoffice.net/citystate/laporte-county-chapter-13-attorney/): Discover financial relief with a trusted LaPorte County Chapter 13 attorney, offering guidance to reclaim your financial future. Call Whitten & Whitten today. - [Lake County Bankruptcy Attorneys](https://kmslawoffice.net/citystate/lake-county-bankruptcy-attorneys/): Choose Whitten & Whitten's experienced Lake County bankruptcy attorneys for compassionate guidance. Start your journey to financial freedom today. - [Merrillville Chapter 13 Attorneys](https://kmslawoffice.net/citystate/merrillville-chapter-13-attorneys/): Navigate financial recovery with Merrillville Chapter 13 attorneys at Whitten & Whitten. Call us now for insightful guidance towards a stable financial future. - [Valparaiso Chapter 13 Attorney](https://kmslawoffice.net/citystate/valparaiso-chapter-13-attorney/): Discover premier guidance from a Valparaiso Chapter 13 attorney at Whitten & Whitten. Contact us today to take control of your financial future! - [Foreclosure Defense Lawyers Near Me](https://kmslawoffice.net/citystate/foreclosure-defense-lawyers-near-me/): If you're searching for "foreclosure defense lawyers near me," Whitten & Whitten has you covered. Contact us today to protect your home. - [Chapter 7 Bankruptcy Lawyer Michigan City](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyer-michigan-city/): A Chapter 7 bankruptcy lawyer in Michigan City can help you regain control over your financial future. Contact Whitten & Whitten today to get started. - [Michigan City Chapter 13 Attorney](https://kmslawoffice.net/citystate/michigan-city-chapter-13-attorney/): Our Michigan City Chapter 13 attorney at Whitten & Whitten leads you through bankruptcy with tact and compassion. Contact us today for a fresh start. - [Bankruptcy Attorneys Griffith](https://kmslawoffice.net/citystate/bankruptcy-attorneys-griffith/): Experience compassionate support from trusted bankruptcy attorneys in Griffith. Contact Whitten & Whitten now to begin your journey towards financial freedom. - [Chapter 7 Lawyer South Bend](https://kmslawoffice.net/citystate/chapter-7-lawyer-south-bend/): Discover relief from financial hardship with our Chapter 7 lawyer in South Bend. Contact Whitten & Whitten today to reclaim your future! - [Bankruptcy Lawyer LaPorte County](https://kmslawoffice.net/citystate/bankruptcy-lawyer-laporte-county/): Experience the care of a dedicated bankruptcy lawyer in LaPorte County at Whitten & Whitten. Reach out now and reclaim your financial independence! - [Bankruptcy Attorneys Michigan City](https://kmslawoffice.net/citystate/bankruptcy-attorneys-michigan-city/): Find supportive bankruptcy attorneys in Michigan City at Whitten & Whitten. Get the help you need for a fresh financial start—contact us today! - [Valparaiso Bankruptcy Attorneys](https://kmslawoffice.net/citystate/valparaiso-bankruptcy-attorneys/): Struggling with debt? Our Valparaiso bankruptcy attorneys at Whitten & Whitten offer invaluable guidance and support. Contact us today! - [Bankruptcy Lawyers South Bend](https://kmslawoffice.net/citystate/bankruptcy-lawyers-south-bend/): Whitten & Whitten's bankruptcy lawyers in South Bend offer unparalleled legal guidance. Contact us today to schedule your consultation and take your life back. - [Chapter 7 Attorney Lafayette](https://kmslawoffice.net/citystate/chapter-7-attorney-lafayette/): Overwhelmed by debt? Contact Whitten & Whitten for guidance from our Chapter 7 attorney in Lafayette. Start your journey to financial freedom today! - [South Bend Bankruptcy Attorney](https://kmslawoffice.net/citystate/south-bend-bankruptcy-attorney/): Our South Bend bankruptcy attorney at Whitten & Whitten helps you regain financial control. Schedule your consultation today and embrace a brighter future. - [Michigan City Bankruptcy Lawyer](https://kmslawoffice.net/citystate/michigan-city-bankruptcy-lawyer/): Our empathetic Michigan City bankruptcy lawyer offers personalized legal assistance to help you achieve financial freedom. Call Whitten & Whitten today. - [Northwest Indiana Bankruptcy Attorneys](https://kmslawoffice.net/citystate/northwest-indiana-bankruptcy-attorneys/): Our experienced Northwest Indiana bankruptcy attorneys at Whitten & Whitten help you navigate bankruptcy confidently. 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Whitten & Whitten offers reliable guidance through Chapter 7 and Chapter 13 filings. Call now. - [Chapter 7 Bankruptcy Lawyer Valparaiso ](https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyer-valparaiso/): Consult a leading Chapter 7 bankruptcy lawyer in Valparaiso at Whitten & Whitten for dedicated legal support and a fresh financial start. Call now. - [Porter County Chapter 7 Attorneys](https://kmslawoffice.net/citystate/porter-county-chapter-7-attorneys/): Find freedom from debt with Porter County Chapter 7 attorneys at Whitten & Whitten. Dependable guidance and a fresh start await. - [Chapter 13 Bankruptcy Attorneys East Chicago](https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-east-chicago/): Find relief from debt with Chapter 13 Bankruptcy attorneys in East Chicago. 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Start anew today. - [St. John Bankruptcy Lawyers](https://kmslawoffice.net/citystate/st-john-bankruptcy-lawyers/): Find St. John bankruptcy lawyers ready to guide you toward a debt-free future at Whitten & Whitten. Call to regain financial stability. - [St. John Bankruptcy Attorney](https://kmslawoffice.net/citystate/st-john-bankruptcy-attorney/): Are you strugging to manage your debt? Whitten & Whitten offers the support you need. Call our St. John bankruptcy attorney today. - [East Chicago Bankruptcy Lawyers](https://kmslawoffice.net/citystate/east-chicago-bankruptcy-lawyers/): While the idea of filing for bankruptcy can be intimidating, doing so can help you reach a better point in life. Call our East Chicago bankruptcy lawyers at Whitten & Whitten for assistance. - [Lafayette Chapter 7 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/lafayette-chapter-7-bankruptcy-attorneys/): The Lafayette Chapter 7 bankruptcy attorneys at Whitten & Whitten are committed to guiding clients through the complex bankruptcy process, providing thoughtful counsel and effective legal solutions to help pave the way for financial freedom. - [Lafayette Chapter 13 Bankruptcy Lawyers](https://kmslawoffice.net/citystate/lafayette-chapter-13-bankruptcy-lawyers/): The Lafayette Chapter 13 bankruptcy lawyers at Whitten & Whitten offer personalized and comprehensive legal assistance, guiding clients through the bankruptcy process. - [Lafayette Bankruptcy Attorneys](https://kmslawoffice.net/citystate/lafayette-bankruptcy-attorneys/): Whitten & Whitten, as trusted Lafayette bankruptcy attorneys, provides comprehensive support to individuals and businesses navigating the complex bankruptcy process, fostering a path towards a brighter financial future. - [Lafayette Bankruptcy Lawyers](https://kmslawoffice.net/citystate/lafayette-bankruptcy-lawyers/): Whitten & Whitten's Lafayette bankruptcy attorneys provide personalized guidance and assistance throughout the bankruptcy process, ensuring you regain your financial stability and secure a better future. - [South Bend Bankruptcy Attorneys](https://kmslawoffice.net/citystate/south-bend-bankruptcy-attorneys/): At Whitten & Whitten, our South Bend bankruptcy lawyers are committed to providing comprehensive and empathetic legal guidance, empowering our clients to make informed decisions about their financial future. - [South Bend Bankruptcy Lawyers](https://kmslawoffice.net/citystate/south-bend-bankruptcy-lawyers/): At Whitten & Whitten Law Firm, our experienced South Bend bankruptcy lawyers are dedicated to guiding and supporting individuals through the complex process of filing for bankruptcy. - [Bankruptcy Lawyer South Bend](https://kmslawoffice.net/citystate/bankruptcy-lawyer-south-bend/): Whitten & Whitten is an experienced bankruptcy lawyer near South Bend, offering comprehensive guidance and support for individuals navigating the complexities of the bankruptcy process toward achieving a fresh financial start. - [Bankruptcy Attorney Lafayette](https://kmslawoffice.net/citystate/bankruptcy-attorney-lafayette/): At Whitten & Whitten, our experienced bankruptcy attorney near Lafayette is prepared to guide you through your financial hardships. - [Porter County Bankruptcy Attorneys](https://kmslawoffice.net/citystate/porter-county-bankruptcy-attorneys/): At Whitten & Whitten, our experienced Porter County bankruptcy attorneys are dedicated to guiding you through the bankruptcy process, providing clarity as you take steps toward a more stable financial future. - [Porter County Bankruptcy Lawyers](https://kmslawoffice.net/citystate/porter-county-bankruptcy-lawyers/): Whitten & Whitten, Porter County bankruptcy lawyers, offer comprehensive services to guide individuals through the complexities of the bankruptcy process. - [Schererville Chapter 7 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/schererville-chapter-7-bankruptcy-attorneys/): At Whitten & Whitten, our Schererville Chapter 7 bankruptcy attorneys are dedicated to guiding you through the complexities of the bankruptcy process, offering professional advice and empathetic support to help you regain financial stability. - [Gary Bankruptcy Lawyers](https://kmslawoffice.net/citystate/gary-bankruptcy-lawyers/): Navigate the complexities of bankruptcy in Indiana with our comprehensive guide. Learn about Chapter 7 and Chapter 13 bankruptcy, credit impact, and specific laws for Gary residents. Get the support you need from experienced Gary bankruptcy lawyers. - [Highland Chapter 13 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/highland-chapter-13-bankruptcy-attorneys/): Regain control of your financial situation with the help of our professional Highland Chapter 13 bankruptcy attorneys. Discover how we offer empathetic and reassuring guidance through the complex process of Chapter 13 bankruptcy, providing you a pathway to financial freedom. - [Highland Bankruptcy Lawyer](https://kmslawoffice.net/citystate/highland-bankruptcy-lawyer/): If you are behind in debts, contact our Highland bankruptcy lawyers. Bankruptcy can help you regain your financial security. - [Crown Point Chapter 7 Bankruptcy Lawyers](https://kmslawoffice.net/citystate/crown-point-chapter-7-bankruptcy-lawyers/): Bankruptcy provides a fresh start in dealing with overwhelming debts. Our Crown Point Chapter 7 bankruptcy lawyers can advise you on the options available. - [Griffith Chapter 13 Bankruptcy Lawyer](https://kmslawoffice.net/citystate/griffith-chapter-13-bankruptcy-lawyer/): Whitten & Whitten can assist you if you are deep in credit card debt or have other major financial issues. Contact a Griffith Chapter 13 bankruptcy lawyer today. - [Crown Point Bankruptcy Attorneys](https://kmslawoffice.net/citystate/crown-point-bankruptcy-attorneys/): Bankruptcy stops creditor adverse actions, discharges debt, gives families a chance to catch up on bills, and otherwise gives debtors a fresh financial start. - [Griffith Bankruptcy Lawyers](https://kmslawoffice.net/citystate/griffith-bankruptcy-lawyers/): Bankruptcy stops creditor adverse actions, discharges debt, gives families a chance to catch up on bills, and otherwise gives debtors a fresh financial start. - [Dyer Chapter 7 Bankruptcy Attorneys](https://kmslawoffice.net/citystate/dyer-chapter-7-bankruptcy-attorneys/): Chapter 7 keeps creditors at bay, protects your assets, and discharges unsecured debt. Most people qualify for this form of consumer bankruptcy. If issues arise during the case, Dyer Chapter 7 bankruptcy attorney works hard to resolve them. - [Foreclosure Defense Lawyer Near Me](https://kmslawoffice.net/citystate/foreclosure-defense-lawyer-near-me/): Procedural defenses, like the statute of limitations, stop foreclosure proceedings in their tracks. Substantive defenses, like lender fraud, may be available as well. A foreclosure defense attorney near you leverages these defenses to obtain a successful outcome. - [Dyer Bankruptcy Attorney](https://kmslawoffice.net/citystate/dyer-bankruptcy-attorney/): Chapter 7 and Chapter 13 bankruptcy include the strongest consumer protections in federal law. Dyer bankruptcy attorneys at Whitten & Whitten can help decide what the best option is for you. - [Highland Bankruptcy Attorney](https://kmslawoffice.net/citystate/highland-bankruptcy-attorney/): Chapter 7 eliminates unsecured debts in as little as nine months. Chapter 13 gives families five years to catch up on past-due secured debt payments. Both forms of bankruptcy include the strongest consumer protections in federal law. Non-bankruptcy debt negotiation is also available. - [Bankruptcy Attorney Merrillville ](https://kmslawoffice.net/citystate/bankruptcy-attorney-merrillville/): Bankruptcy is an effective remedy for addressing debt and opening the door to a positive financial future. However, because the process is difficult and the impacts are significant, you should consult with a bankruptcy attorney in Merrillville, IN, for assistance. - [Bankruptcy Attorneys Schererville](https://kmslawoffice.net/citystate/bankruptcy-attorneys-schererville/): Bankruptcy in Schererville, Indiana, will depend upon your current financial circumstances and your eligibility for different types of bankruptcy. To learn more about filing, you should contact a Schererville bankruptcy attorney. - [Bankruptcy Attorneys Near Me](https://kmslawoffice.net/citystate/bankruptcy-attorneys-near-me/): For many individuals seeking a way out from crushing debt, bankruptcy may be an option to place them back on solid financial ground. Legal representation is crucial, so get the help you need through St. John bankruptcy attorneys near me. - [Bankruptcy Attorney Crown Point](https://kmslawoffice.net/citystate/bankruptcy-attorney-crown-point/): Bankruptcy law in Northwest Indiana can involve a wide range of issues such as determining eligibility for Chapter 7 or Chapter 13 bankruptcy. The NWI bankruptcy attorneys Whitten & Whitten can help. --- # # Detailed Content ## Pages > Find reliable bankruptcy assistance. Get guidance on debt relief options and financial recovery from our Valparaiso bankruptcy lawyer. Call our team today to learn more. - Published: 2025-02-10 - Modified: 2025-02-11 - URL: https://kmslawoffice.net/about-us/lambreni-tsampis/ Bio coming soon! --- > Maria Jimenez is an essential part of our team, working as a legal assistant alongside our Merrillville Chapter 13 bankruptcy attorneys at Whitten & Whitten. - Published: 2024-12-05 - Modified: 2025-02-11 - URL: https://kmslawoffice.net/about-us/maria-jimenez/ Bio coming soon! --- > Lynn Perry is a member of our team, serving as a paralegal with our Dyer Chapter 7 bankruptcy lawyers at Whitten & Whitten. - Published: 2024-12-05 - Modified: 2024-12-06 - URL: https://kmslawoffice.net/about-us/lynn-perry/ Bio coming soon! --- > Discover how Amanda A. Lawrence serves as a seasoned Merrillville bankruptcy attorney at Whitten & Whitten. - Published: 2024-03-11 - Modified: 2024-12-06 - URL: https://kmslawoffice.net/about-us/amanda-a-lawrence/ Bio coming soon! --- > Brittany Jensen serves on our team as a Highland chapter 13 bankruptcy attorney at Whitten & Whitten. - Published: 2024-03-11 - Modified: 2024-12-06 - URL: https://kmslawoffice.net/about-us/brittany-jensen/ Bio coming soon! --- > At Whitten & Whitten, our Merrillville Chapter 7 bankruptcy lawyers help you understand the powerful ways bankruptcy halts creditors in their tracks, giving you peace of mind and a fresh start. - Published: 2024-03-07 - Modified: 2024-05-02 - URL: https://kmslawoffice.net/bankruptcy/how-does-bankruptcy-stop-collection-activity-2/ How Does Bankruptcy Stop Collection Activity? If you're buried under the weight of overwhelming debt, the incessant calls from creditors can be like a relentless, unyielding storm. Bankruptcy, however, is the calm in that storm. Here, the Whitten & Whitten team helps you discover how bankruptcy can act as a cease-and-desist order to the collection activity causing undue stress. Understanding Bankruptcy as a Defensive Financial Maneuver For most, the word 'bankruptcy' carries a stigma, but in truth, it is a shield that the law has put in place to protect you in times of financial vulnerability. Bankruptcy is a legal proceeding in which a person who can no longer pay their debts can seek relief from their creditors. The underlying principle is to offer a fresh start to the individual while treating creditors fairly. There are two common types of bankruptcy: Chapter 7: Commonly referred to as 'straight bankruptcy,' Chapter 7 entails the sale of a debtor's non-exempt property, and the proceeds are used to repay debts. However, most Chapter 7 bankruptcies are considered 'no-asset' cases, where no property is surrendered. Chapter 13 allows debtors to keep their property and pay back all or a portion of their debts over a three—to five-year period through a court-approved reorganization plan. Once your bankruptcy is filed, an automatic stay is issued, an injunction that stops actions by creditors to collect debts from a debtor. What Exactly Will The Automatic Stay Do? Stop Mortgage Foreclosure The automatic stay will stop any pending mortgage... --- > Get clear answers to your pressing bankruptcy questions with our comprehensive FAQ page, designed to demystify the process and empower your decisions. Call our South Bend bankruptcy lawyers. - Published: 2024-01-22 - Modified: 2024-05-01 - URL: https://kmslawoffice.net/faqs/ Frequently Asked Questions Click for answers to the questions we hear frequently. --- --- ## Posts > These six warning signs indicate it may be time to file for bankruptcy. Let Whitten & Whitten's Portage bankruptcy lawyers analyze your situation. - Published: 2025-05-20 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/what-are-the-warning-signs-that-you-need-to-file-for-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer Deciding to file for bankruptcy is never easy, and it often comes with a mix of stress, uncertainty, and tough emotions. At Whitten & Whitten, we have spent many years helping individuals and families determine whether bankruptcy is the right step for them. Over the years, our experienced team has identified clear warning signs that indicate when it may be time to consider bankruptcy. Some of the most common signs include: Creditors are garnishing your wages or filing lawsuits against you. Your debt continues to grow, even as you make payments. You can only afford to pay the minimum on your debts each month. You're at risk of foreclosure, eviction, or repossession. You rely on credit cards to cover essentials like groceries or utility bills. Previous efforts to manage or reduce your debt have been unsuccessful. We're here to walk you through these signs so you can better understand how to proceed. Sign #1: Creditor Lawsuits and Wage Garnishments If you're facing lawsuits from creditors or are experiencing wage garnishments, it's a clear sign your financial situation is under significant strain. Creditors often resort to legal action when payments are missed. Wage garnishments, liens, or bank levies can make meeting your essential needs even harder. The good news? Filing for bankruptcy triggers an automatic stay, halting most collection actions, including lawsuits and garnishments. This legal protection allows you to assess your options and take steps toward financial recovery. Sign #2: Debt Growth Despite Payments Are your debts increasing even though... --- > Filing bankruptcy doesn't always mean losing your home. Whitten & Whitten's Hobart foreclosure defense attorneys work to protect your house using exemptions and more. - Published: 2025-05-06 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/will-i-lose-my-house-if-i-file-for-bankruptcy/ - Categories: Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy filing, bankruptcy law firm Schererville For most people, the thought of filing for bankruptcy comes with one pressing question: "Will I lose my home? " It's a scary prospect—your home isn't just a financial asset, it's your safe space, your biggest investment, and filled with memories. At Whitten & Whitten, we know how stressful this can feel, but here's the reassuring truth: filing for bankruptcy doesn't automatically mean losing your home. The outcome depends on your unique circumstances and the type of bankruptcy you file. This post will walk you through the details, helping to clarify the process. We'll also show how working with the right attorney can make all the difference. Will You Lose Your Home? Two primary types of bankruptcy are available to individuals in Indiana: Chapter 7 and Chapter 13. Each functions differently and offers varying protections for your home. Chapter 7 Bankruptcy Chapter 7 bankruptcy involves liquidating eligible assets to repay creditors. It's quicker than Chapter 13 and often appeals to those with significant unsecured debts, like credit card balances or medical bills. However, this process can pose challenges for homeowners. Can You Keep Your House in Chapter 7? Whether you can keep your house depends on three critical factors: 1. Indiana's Bankruptcy Exemptions Indiana law allows homeowners to protect up to a certain amount of their home's equity using the Indiana Homestead Exemption. This exemption applies to your primary residence, including traditional homes, condos, or even mobile homes. This threshold amount increases if you're married and jointly filing for bankruptcy.... --- > Want to keep your bankruptcy out of the spotlight? Whitten & Whitten's Hobart bankruptcy lawyers help you maintain privacy and focus on the benefits. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/how-can-i-keep-my-bankruptcy-private/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer No one likes having their personal matters exposed for everyone to see. When it comes to bankruptcy, this concern is often amplified, as many people worry about how to keep this sensitive issue private. For some, this fear of others finding out can make the bankruptcy process far more stressful than it needs to be. At Whitten & Whitten, we understand your concerns and are committed to helping you handle your bankruptcy with as much discretion and support as possible, so you can focus on moving forward with confidence. In this article, we'll break down what you need to know about the publicity of bankruptcy records and tips to maintain your privacy throughout the process. Are Bankruptcy Records Public? First, it's important to understand how bankruptcy records work. Yes, bankruptcy filings are public records, which means anyone could technically access them. The federal Public Access to Court Electronic Records system (PACER) makes these documents available, and they may include basic information like your name, address, and the type of bankruptcy you filed. However, here's the good news: these records aren't readily available or easily accessed unless someone deliberately searches for them. Plus, if someone does search for the record, they'd most likely have to pay court fees to access them, which is a big deterrent. Likelihood of Discovery While your bankruptcy information could technically become known, the reality is that most people won't find out about your bankruptcy. For creditors or agencies with a vested interest, it makes sense for... --- > Different bankruptcy chapters exist to help people of all financial situations. Whitten & Whitten’s Dyer bankruptcy lawyer can guide you to the right solution. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/why-are-there-different-bankruptcy-chapters/ - Categories: Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy filing, bankruptcy law firm Schererville When the number of creditors hounding you becomes overwhelming and financial stress takes over, bankruptcy can offer a path toward relief and stability. However, understanding the different bankruptcy chapters might feel like deciphering a foreign language. Why are there so many? And how do you know which one is right for you? At Whitten & Whitten, we have been providing tailored bankruptcy support to individuals and families for many years. By leveraging the unique features of different bankruptcy chapters, we’ve been able to help our clients find the best solutions for their specific financial circumstances. In this post, we’ll explore why these various chapters exist and what they are designed to achieve, helping you chart the best path forward. 1. Different Types of Debt One of the primary reasons for different bankruptcy chapters is that not all debts are created equal. Debts can be classified as secured or unsecured, and each type carries a different level of risk for lenders. Secured Debt: This type of debt is backed by collateral, such as a home, car, or other asset. If the borrower fails to make payments, the lender has the right to repossess the collateral to recoup their losses. Unsecured Debt: These debts have no collateral backing and are typically based on creditworthiness. Examples include credit card debt, medical bills, and personal loans. Certain types of debt, such as student loans or tax liabilities, may not be fully dischargeable, but specific chapters may help individuals manage these obligations more effectively. 2.... --- > Secured debt is handled differently under Chapter 7 and Chapter 13 bankruptcy. Whitten & Whitten's Dyer bankruptcy lawyers help you explore your options. - Published: 2025-03-05 - Modified: 2025-03-05 - URL: https://kmslawoffice.net/what-happens-to-secured-debt-in-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, debt relief, NW Indiana bankruptcy lawyer Deciding to file for bankruptcy is tough, especially when you're buried under a mountain of different debts, trying to figure out how it all fits together. Secured debts, such as your mortgage or car loan, can feel especially overwhelming—what happens to your home? Your car? It's a lot to navigate, and the uncertainty can be paralyzing. Whitten & Whitten has helped countless individuals over the years navigate bankruptcies involving all sorts of debts. In this post, we'll break down what happens to secured debt so you can make the best decision for your financial future. What Is Secured Debt? Secured debts are backed by collateral—something of value that the lender has a legal claim to until you fully repay the debt. If you don't keep up with payments, the lender can repossess or foreclose on the collateral. Common examples of secured debts include: Mortgages (secured by a home or property) Auto loans (secured by a vehicle) Title loans (secured by personal property) Unlike unsecured debts, like credit card balances or medical bills, secured debt includes both a legal obligation to repay and a lien (claim) on the collateral. This dual nature makes secured debts unique when it comes to bankruptcy proceedings. How Bankruptcy Affects Secured Debt Bankruptcy can significantly impact your secured debt. However, the treatment of secured debts depends largely on the type of bankruptcy filed. Chapter 7 Bankruptcy and Secured Debt Chapter 7 bankruptcy eliminates most debts quickly by liquidating and selling your assets. Filing under Chapter 7... --- > Facing a debt lawsuit? Bankruptcy in Hobart can stop lawsuits with an automatic stay and give you a fresh start. Let Whitten & Whitten help. - Published: 2025-03-01 - Modified: 2025-03-05 - URL: https://kmslawoffice.net/can-bankruptcy-stop-a-lawsuit/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer Believe it or not, research reveals that 1 in 20 people in debt face lawsuits from creditors. Discovering that you’ve become part of this statistic can feel utterly overwhelming. What options do you have when you're already struggling to make ends meet? This is where bankruptcy might be the solution you didn’t know you needed. Through legal protections like the automatic stay, bankruptcy could be your shield against lawsuits while providing a path toward regaining financial freedom. At Whitten & Whitten, we’ve spent years helping people like you stop lawsuits and rebuild their financial lives through bankruptcy. Here’s everything you need to know about how bankruptcy can protect you from lawsuits. The Automatic Stay: A Shield Against Lawsuits The moment you file for bankruptcy, an automatic stay takes effect. The automatic stay is a powerful legal shield that immediately halts most collection activities, including lawsuits against you. Here’s what the automatic stay can prevent creditors from doing the second your bankruptcy is filed: Filing new lawsuits against you for unpaid debts. Continuing with ongoing lawsuits to collect payment. Taking any further action, such as garnishing wages or repossessing property. This legal protection gives you the breathing room you need while your bankruptcy case is processed, helping you regain control of your financial situation. Types of Lawsuits Bankruptcy Can Halt While bankruptcy won’t stop everything, it can pause or eliminate many common lawsuits and debt-related issues. These include: Home Foreclosure – Bankruptcy can temporarily stop foreclosure proceedings, giving you time to... --- > Some debts, like student loans and taxes, can't be discharged in bankruptcy to be fair to creditors. Whitten & Whitten's Griffith Chapter 13 Bankruptcy lawyer can maximize your financial relief. - Published: 2025-02-25 - Modified: 2025-02-25 - URL: https://kmslawoffice.net/what-debts-are-not-discharged-in-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, debt relief, NW Indiana bankruptcy lawyer Deciding to file for bankruptcy is a difficult and emotional choice for most people. It often comes after years of struggling with debt that feels impossible to manage. If you're exploring this option, you're likely wondering how much relief bankruptcy can offer and whether it will free you from your financial burdens. While bankruptcy can eliminate many types of debt, it's not a universal solution. Some obligations remain even after filing. At Whitten & Whitten, we've spent years helping clients understand their debt relief options, including bankruptcy. Below, we break down what it means for a debt to be discharged and provide insight into the types of debts that typically cannot be discharged. We're here to help you make an informed decision that's best for your financial future. What Does It Mean to Discharge Debt in Bankruptcy? When a debt is discharged in bankruptcy, the debtor is no longer legally responsible for repaying it. Creditors can no longer contact or pursue collections from the individual, offering a fresh financial start. However, not all debts qualify for discharge. Federal bankruptcy laws are designed to balance the relief provided to debtors with the rights of creditors, meaning that certain debts are exempt from discharge to ensure repayment in specific circumstances. Understanding which debts qualify for discharge is essential when deciding whether bankruptcy is the right solution for your situation. Debts That Cannot Be Discharged in Bankruptcy While bankruptcy provides relief from many types of debt, some obligations are excluded by law. Below... --- > You can modify your Chapter 13 bankruptcy plan due to financial changes, errors, and more. Let Whitten & Whitten's Chapter 13 bankruptcy attorneys on Gary help you navigate the process. - Published: 2025-02-11 - Modified: 2025-04-15 - URL: https://kmslawoffice.net/can-you-modify-a-chapter-13-bankruptcy-plan/ - Categories: Chapter 13 Bankruptcy, Bankruptcy - Tags: bankruptcy lawyer NW Indiana, Chapter 13, Chapter 13 Bankruptcy Attorney Filing for Chapter 13 bankruptcy is a major step that requires courage, careful planning, and a commitment to rebuilding your financial stability. This process involves following a structured repayment plan to help you manage your debts while safeguarding essential assets. But life can be unpredictable, and your circumstances may change. If you're struggling to keep up with your current repayment plan, don't lose hope—your Chapter 13 plan can be adjusted to fit your evolving situation. At Whitten & Whitten, our experienced team has been guiding individuals through this process for decades, helping them adapt and emerge stronger. Let's explore how Chapter 13 plan modifications work and how they can provide the flexibility you need. Understanding Chapter 13 Bankruptcy Plans A Chapter 13 repayment plan allows individuals to restructure debts and repay creditors over three to five years. This type of bankruptcy is often chosen by individuals who want to save their homes, stop car repossessions, or repay tax debts over time. Once approved by the court, your repayment plan becomes a binding agreement between you, your creditors, and the bankruptcy trustee. The plan outlines how much you'll pay monthly, which debts will be repaid, and over how many months. While this plan provides a great path forward, it's not written in stone. If unexpected challenges arise, you can request a modification. Common Reasons for Modifying a Chapter 13 Plan Life rarely unfolds as planned, and unexpected events can make it difficult to keep up with your repayment obligations. Some common... --- > Learn how tax refunds are treated in bankruptcy in Indiana. Explore strategies to protect your money with Whitten & Whitten's Highand foreclosure defense lawyers. - Published: 2025-01-18 - Modified: 2025-01-18 - URL: https://kmslawoffice.net/how-does-bankruptcy-affect-tax-refunds-in-indiana/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer Filing for bankruptcy can feel overwhelming, affecting nearly every part of your life—your family, your self-esteem, and especially your future finances. If you're in Indiana and wondering how bankruptcy might impact your tax refund, you're not alone. That refund can be vital during tough times, and understanding what happens to it is key to making informed decisions. At Whitten & Whitten, we've spent years helping people just like you find hope and take control of their financial future through bankruptcy. In this post, we'll break down what bankruptcy means for your tax refund and how to protect your finances. Understanding Bankruptcy in Indiana Chapter 7 Bankruptcy Chapter 7, commonly referred to as "liquidation bankruptcy," allows individuals to discharge most unsecured debt quickly. It's often chosen by people who don't own significant assets. The process involves a court-appointed trustee liquidating non-exempt assets to pay creditors. It's faster than Chapter 13, typically lasting three to four months, but may result in the loss of property if it doesn't fall under exemptions. Chapter 13 Bankruptcy Unlike Chapter 7, Chapter 13 focuses on debt reorganization. Individuals create a repayment plan lasting three to five years to pay off their debts. Many choose Chapter 13 to retain ownership of important assets, such as their home or car while catching up on missed payments. It's also useful for those whose incomes exceed Chapter 7 eligibility requirements. Tax Refunds in Bankruptcy Tax refunds are a common yet frequently misunderstood, part of the bankruptcy process. Here's how they're... --- > Filing for bankruptcy in Indiana may delay or prevent eviction, but it's not guaranteed. Contact the Hobart Chapter 7 bankruptcy attorneys at Whitten & Whitten to find the best solution for your situation. - Published: 2025-01-18 - Modified: 2025-01-18 - URL: https://kmslawoffice.net/can-filing-for-bankruptcy-stop-my-eviction/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer Facing eviction is a stressful and overwhelming situation. According to the U. S. Government Accountability Office, approximately 7. 8 out of every 100 renters are evicted each year. For many tenants, bankruptcy may seem like a lifeline in such situations, offering the hope of temporary relief through legal protections. But can filing for bankruptcy really stop an eviction? At Whitten & Whitten, over our years of bankruptcy experience, we've found that the answer depends on several factors, including the type of bankruptcy filed and the stage of the eviction process. In this post, we will explore the relationship between bankruptcy and eviction, the protections available under bankruptcy laws, and actionable advice for tenants facing eviction. Understanding the Relationship between Bankruptcy and Eviction Before delving into whether bankruptcy can stop an eviction, it's important to understand the relationship between these two legal processes. In simple terms, filing for bankruptcy means declaring to a court that you are unable to pay your debts. This automatically triggers an "automatic stay," which halts all collection efforts by creditors. This includes eviction proceedings initiated by your landlord. However, this automatic stay is not always permanent and does not guarantee that you will be able to keep your rented property. The Role of Chapter 7 Bankruptcy in Stopping Evictions Chapter 7 bankruptcy, also known as liquidation or straight bankruptcy, is designed to help individuals and businesses eliminate their debts through the liquidation of assets. This type of bankruptcy can halt an eviction temporarily by triggering the... --- > Learn about the Chapter 7 Means Test, how it affects your bankruptcy eligibility, and what to do if you don't qualify. Contact Whitten & Whitten for support from our Lafayette Chapter 7 bankruptcy attorneys. - Published: 2024-12-24 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/what-is-the-means-test-in-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy lawyer Filing for bankruptcy can feel like stepping into a maze without a map. Among the many regulations and paperwork requirements, the Means Test stands out as one of the most complex—and crucial—steps in the process. Understanding this financial test is essential for anyone considering Chapter 7 bankruptcy. At Whitten & Whitten, we've helped thousands of people navigate the means test; we don't want to see it stand in your way. In this post, we'll break down the Means Test and explain how it works so you can move forward confidently. What Is the Bankruptcy Means Test? The Means Test is a financial calculation used to determine whether you qualify for Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy. " It primarily evaluates your income and expenses to assess your ability to repay debts. The U. S. Congress introduced the Means Test in 2005 as part of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Its goal was to prevent individuals with higher incomes from abusing the system by filing for Chapter 7 when they could afford to pay back at least part of their debts under a structured repayment plan. Understanding and passing the Means Test is a critical first step for anyone seeking a fresh financial start through bankruptcy. What the Means Test Entails The Means Test consists of two parts: the first compares your average monthly income to the median household income in your state. The second part deducts certain expenses from your income to determine... --- > Wondering how bankruptcy affects your joint accounts? Explore the impact with Whitten & Whitten and find ways to protect yourself. Contact our Merrillville chapter 7 bankruptcy lawyers today. - Published: 2024-12-10 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/how-does-bankruptcy-affect-joint-accounts/ - Categories: Bankruptcy - Tags: bankruptcy, bankruptcy lawyer, joint bankruptcy When considering bankruptcy, many concerns can plague your mind, but one primary concern that often arises is how your bankruptcy might impact a jointly held bank account. If you share an account with a spouse, business partner, or family member, the effects of bankruptcy can have legal and financial implications on both account holders. You may be hesitant to go through with bankruptcy out of fear of what will happen to them. At Whitten & Whitten, we have spent decades helping people get out of debt, and we don't want to see you not reap the benefits of bankruptcy due to fears over a shared account. In this post, we will explore how joint accounts are affected by Chapter 7 and Chapter 13 bankruptcies and ways to mitigate risk for all account holders involved. How Does Bankruptcy Affect Joint Accounts? The treatment of joint accounts during bankruptcy largely depends on two factors: the chapter of bankruptcy being filed (Chapter 7 or Chapter 13) and state property laws. Joint Accounts in Chapter 7 Bankruptcy Chapter 7 bankruptcy, also known as liquidation bankruptcy, involves selling nonexempt assets to repay creditors. Joint accounts are often considered part of the bankruptcy estate, and a trustee may target the funds for repayment of debts. Ownership Matters: The trustee first determines the portion of the joint account balance that belongs to the individual filing for bankruptcy. Documentation showing contributions to the account may be required to prove ownership. Exemptions: If the individual's portion of the funds... --- > Considering bankruptcy but worried about your living situation? Contact Whitten & Whitten's Portage foreclosure defense lawyer for guidance on navigating bankruptcy and leases. - Published: 2024-11-26 - Modified: 2024-11-26 - URL: https://kmslawoffice.net/what-happens-to-my-lease-if-i-file-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy filing, bankruptcy law firm IN, bankruptcy lawyer Porter County When financial struggles reach a breaking point, filing for bankruptcy might become necessary. If you're a tenant, this raises alarming concerns about the future of your lease. Will you be able to stay in your current home? How will bankruptcy affect your rental agreement? These significant concerns can be daunting, especially when your stability is already in question. At Whitten & Whitten, we've helped countless debt-ridden individuals file for bankruptcy while prioritizing their living situations. In this post, we'll walk you through what happens to your lease if you file for bankruptcy, providing clarity and guidance during this challenging time. The Automatic Stay When you file for bankruptcy, an automatic stay goes into effect. This stay stops all collection efforts by creditors, including evictions and any legal action related to your lease agreement. The automatic stay gives you a temporary reprieve from being forced out of your home, allowing you to focus on restructuring your finances without added stress. Types of Bankruptcy and What They Mean for Your Lease There are two primary types of bankruptcy that individuals typically file for - Chapter 7 and Chapter 13. The type of bankruptcy you file for will affect how your lease is handled. Chapter 13 Bankruptcy Chapter 13 bankruptcy allows individuals to reorganize their debts and create a repayment plan over three to five years. This repayment plan can include your rental agreement, allowing you to catch up on any overdue rent while continuing with your current lease terms. This can provide... --- > Weigh the benefits and drawbacks of bankruptcy and debt settlement with Whitten & Whitten. Contact our Porter County Chapter 13 bankruptcy attorney today for help making a decision. - Published: 2024-11-17 - Modified: 2024-11-17 - URL: https://kmslawoffice.net/should-you-file-for-bankruptcy-or-debt-settlement/ - Categories: Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy law firm Schererville, Crown Point bankruptcy lawyer, debt settlement Are you feeling overwhelmed by debt and unsure about the best way to tackle it? You're not alone. Many individuals face financial challenges that lead them to consider options like bankruptcy and debt settlement. These solutions can offer a fresh start, but knowing which path to take is crucial for your financial future. At Whitten & Whitten, we've spent over twenty years helping individuals navigate their financial challenges and find the best solution for their unique situation. In this article, we'll explore how bankruptcy and debt settlement work so you can make a choice that's best for you. Exploring Bankruptcy Bankruptcy helps individuals or businesses who cannot repay their debts by giving them a fresh start. The most popular bankruptcy options are Chapter 7 and Chapter 13. In Chapter 7 bankruptcy, or liquidation bankruptcy, most of your assets will be sold to pay off your creditors. This option is typically available for those with little or no income or assets. On the other hand, in Chapter 13 bankruptcy, also known as reorganization bankruptcy, you'll create a repayment plan to pay off your creditors over three to five years. This option is often available for those with a steady income and assets they want to keep. Pros of Bankruptcy One of the biggest benefits of bankruptcy is that it provides an automatic stay, which halts all collection efforts from creditors. This means no more harassing phone calls or letters demanding payment. Additionally, bankruptcy can help eliminate most types of unsecured debt,... --- > Discover why the likelihood of bankruptcy impacting your career is minimal. Reach out to Whitten & Whitten's Schererville Chapter 7 bankruptcy lawyers for guidance on securing a stable financial future. - Published: 2024-11-04 - Modified: 2024-11-04 - URL: https://kmslawoffice.net/can-bankruptcy-impact-my-career/ - Categories: Bankruptcy, Wage Garnishment - Tags: bankruptcy attorney IN, bankruptcy filing, debt relief, Schererville bankruptcy lawyer Deciding to file for bankruptcy is a significant step that demands careful consideration of various factors. If you're encountering financial difficulties, the prospect of halting debt collection and starting anew can be incredibly appealing. However, it's completely natural to be overwhelmed with worry about how this decision might influence your career. At Whitten & Whitten, we have assisted countless individuals in navigating this difficult decision. In this post, we will explore the primary concerns individuals often have regarding the impact of bankruptcy on their professional lives, helping you determine if this option is the right choice for you. Will My Employer Find Out About My Bankruptcy? One of the primary concerns for individuals considering bankruptcy is whether their employer will find out. The truth is that bankruptcy filings are public records; however, they aren't commonly accessed by employers. Employers typically don't search for such information unless there's a specific reason, so your filing is unlikely to come to their attention. That said, there are scenarios where your employer might learn about your bankruptcy. For instance, if you're undergoing wage garnishment and file for bankruptcy, your employer may be notified to cease the garnishment. Also, in Chapter 13 bankruptcy cases, some courts may require employers to deduct payments directly from your wages to ensure compliance with the repayment plan. As a rule, though, bankruptcy trustees or courts generally do not inform employers directly. Can I Be Fired for Bankruptcy? Many people fear they could lose their jobs if their employer learns... --- > Discover how bankruptcy can affect your non-filing spouse and explore strategies to protect them. Contact Whitten & Whitten's South Bend Chapter 13 bankruptcy attorneys today for more guidance! - Published: 2024-10-23 - Modified: 2024-10-23 - URL: https://kmslawoffice.net/will-filing-for-bankruptcy-affect-my-non-filing-spouse/ - Categories: Bankruptcy - Tags: bankruptcy attorney IN, bankruptcy filing, NW Indiana bankruptcy lawyer Considering bankruptcy is often a daunting decision, imbued with fear, guilt, and uncertainty—particularly when your spouse's financial stability hangs in the balance. The prospect of jeopardizing their credit or financial future can feel overwhelming, leaving you torn between hope and desperation. At Whitten & Whitten, we recognize these concerns and have successfully guided countless families through this challenging journey. In this post, we will examine how filing for bankruptcy can affect your non-filing spouse, equipping you with the essential knowledge needed to make an informed choice. What It Means to File Separately When someone who is married files for bankruptcy, they can file jointly or separately. Choosing to file jointly means that both spouses' debts and assets are included in the bankruptcy case, whereas filing separately means only one spouse's debts and assets are considered. In this scenario, the non-filing spouse is not directly involved in or affected by the bankruptcy case. However, their financial situation may still be impacted in several ways. Impact on Joint Debts If you and your spouse have joint debts, like credit cards or loans taken out together, filing for bankruptcy will affect both of you regardless of whether you file together or separately. This is because joint debts are considered shared responsibility between both parties. If one spouse files for bankruptcy and can no longer be pursued by debt collectors, the creditor may still look to the non-filing spouse to pay the outstanding balance. This could lead to financial strain and potential legal action... --- > Considering bankruptcy? Explore how your cosigned loans will be affected. Contact Whitten & Whitten's Valparaiso Chapter 13 bankruptcy lawyer today to learn more about your options. - Published: 2024-10-11 - Modified: 2024-10-11 - URL: https://kmslawoffice.net/how-does-bankruptcy-affect-cosigned-loans/ - Categories: Bankruptcy, Vehicle Repossession - Tags: bankruptcy attorney, bankruptcy lawyer NW Indiana, debt relief, loan forgiveness Bankruptcy is challenging for everyone involved, but the situation can become even more complex when cosigned loans are in the mix. If you're considering bankruptcy but are worried about what will happen to your cosigned loans, read on to learn more. What Is a Cosigned Loan? A cosigned loan is a type of loan where two or more people apply for and are responsible for paying back the loan. In most cases, one person has better credit than the other and acts as the "cosigner" to help secure a lower interest rate or higher loan amount. Both parties are equally responsible for paying back the loan, which means if one person cannot make payments, the other must cover them. What Happens to Cosigned Loans in Bankruptcy? When an individual files for bankruptcy, their cosigned loans are affected in different ways depending on what kind of bankruptcy they file, Chapter 7 or Chapter 13. Chapter 7 Bankruptcy Chapter 7 bankruptcy, or liquidation bankruptcy, involves the sale of assets to pay off debts. This type of bankruptcy can include both secured and unsecured debt, such as credit card debt or medical bills. In a Chapter 7 bankruptcy case, cosigned loans are typically discharged along with the primary borrower's other debts. However, there are some exceptions to this rule. If the cosigner is a family member who has provided a loan for household expenses (such as rent or groceries), their obligation may not be discharged under Chapter 7 bankruptcy. Additionally, if the primary... --- > Discover how bankruptcy impacts your privacy and how to protect yourself. Contact Whitten & Whitten's Chesterton Chapter 7 bankruptcy lawyers today for guidance in your financial journey! - Published: 2024-10-05 - Modified: 2024-10-05 - URL: https://kmslawoffice.net/will-people-find-out-about-my-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy attorney, bankruptcy law firm IN, bankruptcy lawyer Schererville Filing for bankruptcy can be a lifeline for those drowning in debt. It offers a chance to reset financially and start anew. However, many people worry about the repercussions, particularly whether others will find out about their bankruptcy. This concern is valid, as the stigma surrounding bankruptcy still exists despite the significant benefits it offers. In this blog post, we'll explore the intricacies of bankruptcy privacy, the realities of public notice, and practical advice on managing the narrative around your financial situation. Understanding the Accessibility of Bankruptcy Records While bankruptcy offers a fresh start, it's important to acknowledge that bankruptcy records are indeed public documents. This means that anyone can access them through various means, including: PACER and Bankruptcy Dockets The federal government manages all bankruptcy filings through the Public Access to Court Electronic Records (PACER) system. This system allows anyone to search and access bankruptcy dockets, which include basic information about your case, such as your name, address, and the type of bankruptcy you filed for. However, specific financial details are not included in these dockets. Public Notice Requirements While bankruptcy records themselves may not be readily available to the general public, there is still a chance that others will find out about your filing through public notice requirements. Bankruptcy courts are required to provide notice of a bankruptcy filing to all creditors listed in the petition. This means that your creditors will be informed of your bankruptcy, and they may also inform others, such as your landlord, who... --- > Discover how bankruptcy can impact your retirement. Contact Whitten & Whitten's Crown Point Chapter 13 bankruptcy attorney today for guidance to protect your financial future! - Published: 2024-09-09 - Modified: 2024-09-09 - URL: https://kmslawoffice.net/will-i-still-be-able-to-retire-if-i-file-for-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy law firm NW Indiana, Merrillville bankruptcy attorney, retirement with bankruptcy, Valparaiso bankruptcy attorney Deciding whether to file for bankruptcy is frightening. A common concern that arises during this difficult time is the impact that such a filing will have on their retirement funds and future financial stability. It's important to understand that, despite the fears surrounding bankruptcy, your prospects for a secure retirement remain viable. In fact, the reality is that with proper planning and guidance, your chances of achieving your retirement goals can be as good as anyone else's. This post will delve into the complex relationship between bankruptcy and retirement, providing you with the insights needed to confidently navigate your financial future. Protected Retirement Assets The most important thing you should know about bankruptcy is that your retirement accounts are almost always protected. Federal laws, like the Employee Retirement Income Security Act (ERISA) and the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), offer significant protection to retirement funds. ERISA-Protected Plans Retirement plans covered by ERISA, such as 401(k)s, 403(b)s, and pensions, are fully shielded from creditors during bankruptcy. IRAs and Roth IRAs Traditional and Roth IRAs are protected up to a specified limit currently set at $1,512,350. This amount is adjusted every three years, ensuring that a substantial portion of your retirement savings remains untouched. Monthly Retirement Benefits If you're already receiving monthly retirement benefits, these are generally considered part of your income and may be used to repay creditors. However, this typically does not affect your ability to continue receiving these benefits in the future. Bankruptcy's Impact on Your... --- > Avoid making these five mistakes before filing for bankruptcy. Contact Whitten & Whitten's Dyer Chapter 13 bankruptcy attorneys to secure your financial future today! - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://kmslawoffice.net/dont-do-these-5-things-before-filing-for-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy attorney, bankruptcy attorney NW Indiana, bankruptcy law firm Schererville Are you drowning in debt and considering filing for bankruptcy? You're not alone; in 2023, 452,990 people filed for bankruptcy to get their lives back on track. However, while bankruptcy can relieve financial stress, you must tread carefully. Making the wrong moves before filing could jeopardize your chances of getting a fresh start. In this blog post, we'll discuss five critical mistakes to avoid before filing for bankruptcy. These tips are essential for anyone facing significant debt and contemplating this major financial step. Don't Incur New Debt It may seem obvious, but it's worth reiterating: do not take on any new debt before filing for bankruptcy. This includes credit card charges, loans, or any other type of borrowing. Incurring new debt can be seen as fraud and may result in your bankruptcy case being dismissed. Additionally, if you use a credit card to pay for non-essential items right before filing for bankruptcy, the court could deem those charges nondischargeable. That means they will not be included in your bankruptcy discharge, and you'll still have to repay them. To avoid potential issues, stop using credit cards and refrain from borrowing money before filing for bankruptcy. Don't Transfer Assets Are you considering transferring assets to family or friends before filing for bankruptcy? This is a major red flag and should be avoided at all costs. Transferring assets can be seen as an attempt to hide them from creditors, which is considered fraud. The court may even demand that the transferred assets be... --- > Bankruptcy can be a fresh start. Discover all the positive transformations that await you with Whitten & Whitten. Call today, and let our Valparaiso Chapter 7 bankruptcy lawyer guide you. - Published: 2024-08-13 - Modified: 2024-08-13 - URL: https://kmslawoffice.net/how-does-life-change-after-bankruptcy/ - Categories: Bankruptcy, Rebuilding Credit After Bankruptcy - Tags: bankruptcy lawyer Schererville, chapter 7 lawyer IN, financial freedom, Valparaiso bankruptcy attorney Filing for bankruptcy is a major decision, filled with uncertainties and worries about the future. But here's the uplifting news from Whitten & Whitten—life after bankruptcy can be a fresh, bright start! In this post, we'll reveal the many positive transformations that await you once you overcome the hurdles of bankruptcy. Get ready to discover a brighter horizon! Improved Financial Management Whether it's due to unforeseen circumstances or poor financial choices, bankruptcy can leave you in a tough spot financially. But once the process is completed, you will have a clean slate and an opportunity to start fresh with your finances. This means being more mindful of spending and budgeting, as well as understanding the importance of saving for emergencies. With improved financial management skills, you can establish healthier habits that will benefit you in the long run. Reduced Stress and Anxiety The constant worry and stress associated with mounting debt can take a toll on anyone's mental health. Bankruptcy relieves this burden, allowing you to find peace of mind and focus on rebuilding your life. The weight of debt is lifted off your shoulders, giving you a sense of control over your finances again. Rebuilding Credit Yes, bankruptcy does have an impact on one's credit score. However, it also allows one to build a positive credit history from scratch. By following responsible financial practices and making timely payments on any remaining debts, you can begin to improve your credit score over time. Better Future Opportunities Many fear bankruptcy will... --- > Filing for bankruptcy is a strategic decision for financial control. Explore five reasons why you shouldn't feel ashamed with Whitten & Whitten. Call our Portage Chapter 13 bankruptcy attorneys now. - Published: 2024-08-03 - Modified: 2024-08-03 - URL: https://kmslawoffice.net/5-reasons-why-you-shouldnt-feel-bad-for-filing-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy filing, bankruptcy law firm Schererville Bankruptcy. Just the word can send shivers down your spine. But why does it have such a negative connotation? For many, bankruptcy feels like admitting defeat, a failure to manage finances. However, this couldn't be further from the truth. Filing for bankruptcy is a responsible and strategic decision that can help you regain control over your finances. In this post, we'll explore five compelling reasons you shouldn't feel bad about filing for bankruptcy. It's a Legal Right First and foremost, filing for bankruptcy is a legal right that is available to all individuals and businesses struggling with overwhelming debt. The United States Bankruptcy Code was created to provide relief to those facing financial hardship, and it has been helping people since the late 1800s. So, if you find yourself in a difficult financial situation, there's no need to feel ashamed or guilty about exercising your legal rights. Thousands of People File for Bankruptcy Every Year If you think you're alone in your decision to file for bankruptcy, think again. According to recent statistics, 452,990 people filed for personal bankruptcy in the United States last year. That's an average of 1,240 people every day. Filing for bankruptcy can be daunting and emotionally taxing, but it's important to remember that you are not alone. Many others are navigating similar challenges and finding ways to rebuild their financial stability. It Can Provide a Fresh Start One of the main benefits of bankruptcy is the opportunity for a fresh start. Bankruptcy allows you to... --- > Learn how to manage past due child support during bankruptcy with legal guidance from Whitten & Whitten. Call our Northwest Indiana Chapter 7 bankruptcy lawyers and discover your options today. - Published: 2024-07-15 - Modified: 2024-07-15 - URL: https://kmslawoffice.net/can-i-file-bankruptcy-if-i-owe-past-due-child-support/ - Categories: Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy filing, child support and bankruptcy, Hammond bankruptcy Parenting can be a financial rollercoaster, with unexpected expenses popping up at every turn. For many parents, past due child support adds another layer of stress, impacting both mental well-being and financial stability. But what if filing for bankruptcy could provide some relief? Let's explore the options available to you. Understanding Bankruptcy Bankruptcy is a legal process meant to help people eliminate or repay their debts under the protection of the law. It's often seen as a last resort but can offer a fresh start for people with too many financial obligations. The two main types of bankruptcy are: Chapter 7 Bankruptcy: This involves selling off non-exempt assets to pay creditors. Certain debts are discharged, offering relief from overwhelming financial burdens. Chapter 13 Bankruptcy: Known as "reorganization bankruptcy," it allows individuals to keep their assets while repaying debts over a three to five-year period through a court-approved plan. Bankruptcy and Child Support Obligations When it comes to child support, bankruptcy laws are clear: you cannot discharge past-due child support obligations through bankruptcy. Child support is considered a priority and will not be eliminated by filing for bankruptcy. Therefore, if you owe past due child support, it must still be paid even after your bankruptcy case is concluded. However... While past due child support cannot be discharged through bankruptcy, filing for bankruptcy can still help in other ways. If you're struggling with overwhelming debt, including credit card debts or medical bills, Chapter 7 bankruptcy may allow you to free up some... --- > Find out what happens after an automatic stay is issued during bankruptcy with insight from Whitten & Whitten. Call our Highland Chapter 13 bankruptcy attorney now to rebuild your future. - Published: 2024-07-06 - Modified: 2024-07-06 - URL: https://kmslawoffice.net/what-happens-after-an-automatic-stay-is-issued-during-bankruptcy/ - Categories: Bankruptcy - Tags: automatic stay, bankruptcy attorney, bankruptcy law firm Schererville, St. John bankruptcy So, you've recently filed for bankruptcy and have had an automatic stay issued - that's great! But what happens next? What does this mean for you and your financial situation? In this post, Whitten & Whitten provides insight into what to expect after this critical legal order is issued so you can move forward with confidence. Understanding the Automatic Stay First, let's define what an automatic stay is. Simply put, it is a legal protection that goes into effect immediately after filing for bankruptcy. It stops creditors from taking any action against you to collect debts, including lawsuits, wage garnishments, and even harassing phone calls. This order gives you time to restructure your finances without added pressure from creditors. The automatic stay covers many debts, providing comprehensive relief for individuals facing financial distress. Among the debts covered are credit card debts, medical bills, and personal loans, which are immediately halted from collection efforts. Additionally, it stops foreclosure proceedings on your home and repossession of your vehicle, allowing you to keep essential assets while you manage your financial situation. Creditor Notifications Once the automatic stay has been issued, the court will notify your creditors by mail within a few days. However, it may take longer for them to receive this notice and adjust their actions accordingly. This means that you may still receive letters or phone calls from creditors initially - but rest assured that they are legally obligated to stop all collection attempts once they receive official notice. Meeting with... --- > Weigh the benefits of using your 401(k) to avert bankruptcy with insights from Whitten & Whitten. Let our Schererville Chapter 7 bankruptcy attorneys help you make informed financial decisions. - Published: 2024-06-11 - Modified: 2024-06-11 - URL: https://kmslawoffice.net/should-you-tap-into-your-401k-to-prevent-bankruptcy/ - Categories: Bankruptcy - Tags: 401k bankruptcy, bankruptcy attorney, bankruptcy lawyer NW Indiana Navigating the tumultuous waters of financial difficulty often leads to tough, often binary choices. With 3. 6% of workers with 401(k)s making hardship withdrawals in 2023, the complexity of financial decisions in times of crisis is evident. To many, bankruptcy isn't just a last resort; it's a veritable financial boogeyman. However, the 401(k) presents a critical crossroad. In this post, Whitten & Whitten tackles the controversial question: Is borrowing from your 401(k) a wise solution to the brink of bankruptcy, or does it merely introduce a different set of challenges? Understanding the 401(k): More Than Just Savings Before we discuss the pros and cons of tapping into your 401(k) during a financial crisis, it's important to understand what exactly a 401(k) is. Simply put, a 401(k) is an employer-sponsored retirement savings plan allowing employees to contribute pre-tax dollars towards their retirement. It's often accompanied by employer matches and can be a valuable tool for building long-term financial security. But it's important to note that while 401(k) plans offer tax advantages and potential employer contributions, they also come with strict rules and penalties for early withdrawals or borrowing against the account. These rules are in place to discourage individuals from treating their retirement savings as a piggy bank, but can be waived in certain circumstances, such as financial hardship. The Pros of Tapping into Your 401(k) In times of financial crisis, tapping into your 401(k) can offer a lifeline to cover immediate expenses or prevent bankruptcy. Unlike other sources of financing,... --- > Learn how bankruptcy can halt wage garnishment and help you regain financial control with Whitten & Whitten Law's Dyer Chapter 7 bankruptcy lawyer. Call to learn more. - Published: 2024-06-03 - Modified: 2024-06-03 - URL: https://kmslawoffice.net/does-bankruptcy-stop-wage-garnishment/ - Categories: Bankruptcy, Wage Garnishment - Tags: bankrupt filing, bankruptcy, NW Indiana bankruptcy lawyer, Wage Garnishment Filing for bankruptcy is a significant decision that carries profound implications for your financial future. Among the myriad questions that individuals grappling with overwhelming debt may ask is whether initiating bankruptcy proceedings can halt wage garnishment. The answer, while nuanced, offers a ray of hope for those seeking relief from the relentless pressure of debt collection. In this post, Whitten & Whitten explains the impact bankruptcy may have on wage garnishment and offers insights to help you make an informed decision. Understanding Wage Garnishment Wage garnishment is a legal process that enables creditors to collect money directly from an individual's paycheck to satisfy a debt. If you owe money, your employer may be legally required to withhold some of your wages and send it directly to your creditor. This process doesn't end until the debt is paid off or a court orders it to stop. In the United States, 1 in every 100 workers suffer from wage garnishment. This alarming number highlights a great need for individuals to understand their rights and options when facing aggressive debt collection tactics. The Automatic Stay As a rule, yes, bankruptcy can stop wage garnishment. When you file for bankruptcy, an automatic stay is implemented. This stay is an immediate injunction against all collection efforts, including wage garnishment. Once you file for bankruptcy, the automatic stay goes into effect regardless of whether your creditors are aware of it or not. This means that even if your employer has already begun withholding wages to satisfy... --- > Explore how income changes affect Chapter 13 Bankruptcy and steps to manage it with guidance from Whitten & Whitten's Merrillville Chapter 13 bankruptcy lawyers. - Published: 2024-05-04 - Modified: 2024-05-04 - URL: https://kmslawoffice.net/what-if-my-income-changes-during-a-chapter-13-bankruptcy/ - Categories: Chapter 13 Bankruptcy, Bankruptcy - Tags: bankruptcy lawyer NW Indiana, Chapter 13, Chapter 13 Bankruptcy Attorney Navigating Chapter 13 Bankruptcy can be a detailed and scheduled financial overhaul for individuals and businesses facing insolvency. However, the strict financial plan outlined in Chapter 13 is built on the assumption of consistency, a state of affairs rare in the tumultuous waters of our economy. Here's what changes in income could mean for your Chapter 13 Bankruptcy and how to steer your financial ship through the storm with measured skill. Understanding Chapter 13 Bankruptcy Chapter 13 Bankruptcy is no off-the-cuff remedy for debt; it's a structured, supervised repayment plan that can run for three to five years. Unlike Chapter 7, which often requires the liquidation of assets to pay off creditors, Chapter 13 allows for the creation of a plan that repays all or a portion of the debt over time. It's intended to keep valuable property like a house or car when the debtor may have otherwise lost it. But here's the rub—your eligibility and the very setup of the plan are intertwined with your income. It's not just what you make, it's the disposable income that could pay into the plan to clear the debts. This is where accuracy shines; a misstep in income reporting can be akin to shifting the fulcrum under a balanced scale. The Income Juggling Act Picture this: you're rolling with your Chapter 13 plan, making monthly payments when your income suddenly turns upward or downward. What now? Well, it's like pausing the show of your financial life to recalibrate the narrative. Upsurges... --- > Explore bankruptcy options with Whitten & Whitten's attorneys to navigate debt and start anew. Contact our Merrillville Chapter 7 bankruptcy lawyers for guidance. - Published: 2024-03-30 - Modified: 2024-04-11 - URL: https://kmslawoffice.net/how-much-debt-do-i-need-to-file-for-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy lawyer, debt relief Deciding to file for bankruptcy can be confusing, especially if you're unfamiliar with the process. Many potential bankruptcy filers need help understanding the debt required to initiate the filing. The answer is more complex than a straightforward number, so the Whitten & Whitten team is here to guide you and help you grasp the many factors involved. Understanding Bankruptcy First and foremost, it's important to understand that bankruptcy is for more than just those with overwhelming amounts of debt. While high levels of debt are often a contributing factor in filing for bankruptcy, other considerations include income, assets, and ability to pay back creditors. In fact, there are different types of bankruptcy filings (Chapter 7 vs Chapter 13), which have varying requirements based on your financial situation. Chapter 7, or "straight bankruptcy," involves the sale of a debtor's nonexempt property and the distribution of the earnings to creditors. It provides a clean slate by discharging the remaining debt after selling assets. Chapter 13, on the other hand, is a reorganization bankruptcy for individuals with a regular income. It allows the debtor to keep property and pay debts over time, usually three to five years. This chapter is often chosen by those behind mortgages or car payments who want to avoid foreclosure or repossession. Am I Eligible for Bankruptcy? There is no predetermined amount of debt that necessitates filing for bankruptcy. Instead, your eligibility is determined by the nature of your debts, your income and expenses, and the assets you possess.... --- > Explore bankruptcy with Whitten & Whitten to discern which debts can be discharged. Call today to secure invaluable legal aid for your case with a Griffith Chapter 13 bankruptcy attorney. - Published: 2024-03-18 - Modified: 2024-04-08 - URL: https://kmslawoffice.net/do-you-get-out-of-all-debts-if-you-declare-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, debt relief, NW Indiana bankruptcy lawyer If the weight of overwhelming debt looms over you, declaring bankruptcy might seem like an alluring escape hatch. However, bankruptcy isn't so straightforward. One thing many people don't know is that there are debts that are not discharged in bankruptcy, which means you will still be held accountable for them after the process is complete. This blog will provide an overview of what debts are and are not eliminated through bankruptcy. Understanding Bankruptcy Bankruptcy is a process intended to help individuals or businesses struggling with debts they cannot repay. Most individuals file primarily two types of bankruptcy: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, often called "liquidation bankruptcy," involves selling your assets to pay off creditors. Chapter 13 bankruptcy gives people with a steady income an opportunity to create a payment plan to repay all or part of their debts. In both cases, the ultimate goal is to eliminate as much debt as possible. Debts Discharged in Bankruptcy Bankruptcy can lead to the discharge of certain debts, which means you are no longer legally required to pay them. Some dischargeable debts include: Credit card debt: Unpaid credit card balances can be discharged through bankruptcy, providing relief from financial obligations. Medical bills: Accumulated medical expenses can be discharged, helping individuals alleviate the burden of medical debt. Personal loans: Debts from personal loans can be discharged, offering a fresh start to those struggling with loan repayments. Debts Not Discharged in Bankruptcy Some types of debts cannot be discharged in bankruptcy, including:... --- > The idea of losing your car to bankruptcy is undeniably stressful, but you may be eligible to keep your vehicle depending on your circumstances. Talk to our South Bend bankruptcy lawyer at Whitten & Whitten. - Published: 2024-03-05 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/if-i-file-for-bankruptcy-can-i-keep-my-car/ - Categories: Bankruptcy, Vehicle Repossession - Tags: bankrupt filing, bankruptcy attorney, file for bankruptcy, Northwest Indiana Bankruptcy Lawyer Life's uncertainties can lead to financial burdens and, in some cases, bankruptcy. Amid such turmoil, the thought of losing one's car - our lifeline to work, school, and essential errands - can be overwhelmingly stressful. At Whitten & Whitten, we understand your concerns and are here to provide professional, empathetic guidance through these challenging times. Depending on your circumstances, filing for bankruptcy may allow you to keep certain assets, including your vehicle, although there are several factors influencing your options. Call our attorneys for a consultation where you can receive specified advice. Understanding Bankruptcy and Vehicle Ownership Bankruptcy laws vary by state, and in Indiana, the impact on your vehicle depends on several factors. It is important to remember that filing for bankruptcy does not automatically mean you will lose your car. In fact, bankruptcy can often prevent repossession and help you regain control over your financial situation. Keeping Your Vehicle In a Chapter 7 Bankruptcy If you file for Chapter 7 bankruptcy and wish to keep your car, you must meet specific criteria. Your decision will hinge on whether the vehicle is financed or owned outright, whether you are current on payments and if state law allows you to keep all your car equity during bankruptcy. In Chapter 7 bankruptcy, if you cannot protect your car's equity or are behind on payments, the trustee may sell your car. You will then receive the exemption amount. However, if you're not current on the car loan when you file for Chapter... --- > The Lafayette bankruptcy attorneys at Whitten & Whitten are committed to guiding you through the complexities of Chapter 13 bankruptcy, offering a potential lifeline to avoid foreclosure and secure your financial future. - Published: 2024-02-20 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/how-can-i-avoid-foreclosure-on-my-house-in-indiana/ - Categories: Bankruptcy, Foreclosure Relief - Tags: bankruptcy attorney IN, bankruptcy attorney NW Indiana, Foreclosure, foreclosure lawyer The prospect of losing one's home to foreclosure can be a distressing and overwhelming experience. However, there are ways to navigate this challenging time and potentially avoid the loss of your home. One such option is through Chapter 7 or Chapter 13 bankruptcy, which, contrary to popular belief, can often provide a lifeline rather than a sentence of financial doom. Whitten & Whitten is here to help you explore what foreclosure entails in Indiana and how filing for bankruptcy might be a viable solution to help you retain your home. Contact our attorneys for personalized legal guidance specific to your case. Understanding Foreclosure in Indiana Foreclosure is a legal process initiated by a lender to recover the balance of a loan from a borrower who has ceased making payments. In Indiana, this process begins with the mortgage company reaching out to the debtor to settle the outstanding mortgage. If payments are not resumed, the company engages legal counsel to prepare a foreclosure lawsuit. However, it is crucial to understand that even after a foreclosure lawsuit is filed, you're not immediately required to vacate your home. The house will only go to the sheriff sale docket after the mortgage company receives a judgment against you. You will receive a notice about the impending sheriff sale 4-8 weeks prior via certified mail. The Role of Chapter 13 Bankruptcy in Avoiding Foreclosure Chapter 13 bankruptcy, when filed before a judge confirms the foreclosure sale, can provide protection for your real estate assets. It... --- > Filing taxes after bankruptcy can be complicated. At Whitten & Whitten, our Hobart bankruptcy attorneys are prepared to navigate the complexities of tax obligations in the wake of bankruptcy. - Published: 2024-01-17 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/will-bankruptcy-affect-my-taxes/ - Categories: Bankruptcy - Tags: bankruptcy lawyer NW Indiana, filing bankruptcy, filing taxes If you filed for bankruptcy, you may wonder what this could mean when it's time to file your taxes. The connection between tax and bankruptcy laws can indeed be challenging to navigate. It may not be clear how your bankruptcy case will affect your tax obligations or what steps you need to take to ensure everything is done correctly. That's where our team at Whitten & Whitten comes in. Our attorneys are ready to clarify the process and answer your questions regarding the next steps. Contact us today for a case evaluation where you can receive personalized legal advice. Tax Debt and Bankruptcy One of the most pressing issues for many individuals filing for bankruptcy is managing their tax debt. If you've been receiving letters from the IRS due to unpaid tax debt, filing for bankruptcy can bring some relief. An automatic stay goes into effect once you file, halting IRS collection efforts. Depending on the specifics of your situation and the type of bankruptcy filed, it may even be possible to discharge your tax debt. However, certain conditions must be met for tax debt to be discharged, especially in a Chapter 7 bankruptcy case. It's important to discuss these details with an experienced attorney to understand what applies to your circumstances. What Happens to Tax Debt Accrued After You File for Bankruptcy? Filing for bankruptcy doesn't mean you're exempt from fulfilling your tax obligations. In fact, accruing new tax debt after filing for bankruptcy can have negative implications on... --- > At Whitten & Whitten, our team of Lafayette bankruptcy attorneys is dedicated to guiding you through the complex bankruptcy process, providing professional advice and strategic solutions tailored to your unique financial situation. - Published: 2023-12-30 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/how-long-does-an-indiana-bankruptcy-take/ - Categories: Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy lawyer Porter County, Lafayette Chapter 7 attorney Navigating through the complex maze of bankruptcy can be overwhelming. It is a significant step that can have profound implications for your financial future. However, with the right guidance and information, it is possible to regain control over your financial life. At Whitten & Whitten, our mission is to provide a comprehensive understanding of the bankruptcy process in Indiana so our clients can make informed decisions. We use our experience to explain the different types of bankruptcy, their timelines, and the importance of working with a reliable attorney. For advice regarding your situation, contact us to schedule a consultation. Understanding Bankruptcy Types and Timelines in Indiana Bankruptcy is not a one-size-fits-all solution. The type of bankruptcy you file for depends on your unique financial situation. In Indiana, two common types of bankruptcies are Chapter 7 and Chapter 13. Chapter 7 Bankruptcy Timeline Chapter 7 bankruptcy, also known as liquidation bankruptcy, is a quick process compared to other types of bankruptcy. It involves liquidating all non-exempt assets to pay off creditors. For those without major assets and eager to eliminate their debts swiftly, Chapter 7 bankruptcy might be the ideal choice. Typically, a Chapter 7 bankruptcy case is completed and discharged within 3-6 months from the filing date. Chapter 13 Bankruptcy Timeline On the other hand, Chapter 13 bankruptcy, known as reorganization bankruptcy, involves a repayment plan, allowing you to repay your debts over time. If you have significant assets, such as a house or a car, that you want to... --- > At Whitten & Whitten, our experienced Porter County bankruptcy lawyers are committed to guiding individuals through the complexities of student loan debt and bankruptcy. - Published: 2023-12-16 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/can-your-student-loans-be-discharged-in-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney IN, Porter County bankruptcy attorney, student loan debt Student loan debt is a prevalent issue in the United States, with millions of Americans grappling with its weight. For many, bankruptcy seems like a viable option to alleviate this burden. However, the intersection of bankruptcy law and student loan debt is complex. Whitten & Whitten aims to provide clarity on the matter. We are committed to helping our clients understand their options regarding bankruptcy, and the question of whether student debt can be discharged in bankruptcy is complicated. Call our firm to receive case-specific advice. Understanding Bankruptcy and Student Loan Debt Bankruptcy is a legal procedure that allows individuals or businesses to seek relief from debts they cannot repay. There are two primary types of personal bankruptcy: Chapter 7, which involves the liquidation of assets to repay debts, and Chapter 13, which involves the reorganization of debts and the creation of a plan to pay them off over time. Student loan debt, on the other hand, is often considered a special type of debt. As a general rule, student loans are not discharged in bankruptcy. However, there exists an exception known as undue hardship. The Undue Hardship Exception The "undue hardship" exception is a clause that can potentially allow for the discharge of student loans in bankruptcy. To prove "undue hardship," three things must typically be established: Based on current income and expenses, maintaining a minimal standard of living would not be possible if forced to repay the loan. Exceptional, long-term circumstances make it unlikely for the loan to... --- > Whitten & Whitten, the experienced Schererville Chapter 7 bankruptcy attorneys, help individuals through the complexities of filing bankruptcy during the holiday season. - Published: 2023-12-04 - Modified: 2024-03-11 - URL: https://kmslawoffice.net/should-i-file-for-bankruptcy-before-the-holidays/ - Categories: Bankruptcy, Chapter 7 Bankruptcy Bankruptcy is a legal procedure that offers relief to those struggling with overwhelming debt. As the holiday season approaches, many individuals wonder whether it would be beneficial to file for bankruptcy before the festivities begin. In order to decide which option is right for you, it's important to speak to a knowledgeable attorney. Whitten & Whitten is committed to helping individuals navigate their financial issues. If you are thinking about filing for bankruptcy, our professional and empathetic team can provide critical guidance. We understand the complexities of bankruptcy laws and can provide insight into your case at a consultation. Benefits of Filing for Bankruptcy Before the Holidays Reduced Stress The holiday season is often accompanied by financial stress. By filing for bankruptcy before the holidays, it is possible to alleviate some of this burden. The automatic stay, which comes into effect as soon as a bankruptcy case is filed, halts most collection actions by creditors, offering immediate relief from harassing phone calls and letters. Increased Financial Stability Filing for bankruptcy can result in a more stable financial situation. By eliminating or restructuring debt, individuals may find they have more disposable income. This extra breathing room can be particularly beneficial during the holiday season when expenses often increase. Starting Fresh in the New Year There's something to be said for starting the new year with a clean slate. Filing for bankruptcy before the holidays allows individuals to enter the new year free from the weight of unmanageable debt. Challenges of Filing... --- > Navigate through Chapter 13 bankruptcy with ease by consulting our Merrillville bankruptcy attorney and our survival guide. - Published: 2023-12-02 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/a-simplified-survival-guide-to-chapter-13-bankruptcy/ - Categories: Chapter 13 Bankruptcy Can you no longer pay your debts? Nobody wants to file Bankruptcy. However, sometimes Bankruptcy becomes necessary to start over. Sometimes life throws hardships in our paths or we financial mistakes. Whatever the case, the very first thing to do is to consult with your experienced bankruptcy attorneys at Whitten & Whitten. Experts recommend seeking legal advice because bankruptcy has lasting legal and financial consequences. You need the advice and guidance from Whitten & Whitten to help you rebuild your life. Chapter 13 Bankruptcy: Bankruptcy helps people suffering under the weight of debt get a clean start. All cases are handled within federal courts. A Chapter 13 bankruptcy, also referred to as a wage earner’s plan, allows individuals with an income create a plan to repay all or some of their debts. Anyone is eligible for Chapter 13, but must have unsecured debts a less than $394,725 and secured debts are less than $1,184,200 (uscourts. gov) Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years (uscourts. gov) A bankruptcy case typically starts when a debtor files a petition with the bankruptcy court. A petition can be filed by a single person or by spouses. Your lawyer can help you navigate the financial consequences. With Chapter 13, a debtor can save their homes from foreclosure. A debtor will have no contact with creditors throughout Chapter 13 proceedings. Chapter 13 is similar to a consolidation loan, where the debtor makes manageable payments to... --- > Break free from the stigma of bankruptcy; let our Merrillville bankruptcy attorney guide you to a fresh start without the weight of judgment. - Published: 2023-11-30 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/the-stigma-of-bankruptcy/ - Categories: Bankruptcy Debt feels like prison. It is impossible to dig yourself out without going into deeper debt. Nowadays, there is a growing awareness about the hardships of credit cards, student loans, and medical bills. Paying hundreds in interest a month makes it impossible to save for a rainy day or make a meaningful reduction in your principal balances. Late payments because you can’t afford the high monthly payments feels like running in circles. If this sounds familiar and you want freedom from the chains of debt, have you considered bankruptcy? The word ‘bankruptcy’ is moving away from its Monopoly-like perception. Truly landing on bankruptcy in the gameboard of your life means you get a fresh start... it doesn’t mean you lose everything. Debt is the prison and public perception is beginning to understand that about bankruptcy. Of course, there are lasting financial and legal consequences that your lawyers at Whitten & Whitten can help you navigate. Most people who file bankruptcy are average Americans who want a simple, happy, healthy life for their family. Sometimes, devastating life events can cause overwhelming debt, like losing a job or a car accident. Debt is sometimes, but not always, the result of shopping sprees or gambling. Sometimes it’s a combination of mismanaging money and an unforeseen event. No matter what caused you debt, you deserve another chance at a stable, happy life. Bankruptcy is opportunity to start over without chains. So why is there a negative stigma about bankruptcy? Filing for bankruptcy has a... --- > Understand how bankruptcy affects your credit rating and discover paths to recovery with insights from our Merrillville bankruptcy attorney. - Published: 2023-11-28 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/your-credit-rating-bankruptcy/ - Categories: Bankruptcy One of the biggest concerns about filing for bankruptcy is the effect that it will have on your credit. It’s true, you might not receive credit offers when your debts are discharged through bankruptcy. However, many individuals can obtain a starter card to rebuild credit. There is light at the end of the tunnel! Since every person is different, it is important to speak with a bankruptcy attorney. It is difficult to decide if bankruptcy is the right decision; finding an experienced, caring attorney can make the process easier. You are affirming that you cannot pay your debts and that is hard... but there might not be a better option. Bankruptcy saves a lot of families from financial ruin. Bankruptcy will likely stay on your report for 7-10 years depending on the kind of bankruptcy you file. However, you can start rebuilding your score right away by paying your bills on time. Plus, the further away bankruptcy is in your credit history, the less of an impact it will have. You can get back to where you started and improve as you move along in your credit journey. Nowadays, there are plenty of tools to help you monitor your credit. It won’t happen overnight, but with hard work and dedication, you can overcome the damage bankruptcy does to your credit. For more information about bankruptcy and credit, call your lawyers at Whitten & Whitten. We can help you through the process of discharging your debts and starting a journey towards... --- > Exploring the possibility of owning a home post-bankruptcy? Our Highland bankruptcy attorney provides key strategies for securing a mortgage after bankruptcy. - Published: 2023-11-26 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/mortgage-after-bankruptcy/ - Categories: Bankruptcy Will filing bankruptcy crush your dreams of homeownership forever? When you need to file for bankruptcy, you might wonder about the future. It’s smart to ask these kinds of questions. When your debts become unmanageable, bankruptcy can relieve some or all of your debts. However, yes, it most certainly will affect your ability to qualify for a mortgage. When filing bankruptcy, it stays on your credit report for 7-10 years. However, there is light at the end of the tunnel. Odds are, if can’t pay your current bills, loans, and expenses, you can’t get a mortgage right now anyway. Filing for bankruptcy may put you in a better position to qualify for a loan in the future. Plus, it might not be as far away as you think! Why? The impact of bankruptcy on your credit report lessens over time. Depending on the type of loan, and the measures you’ve taken to build credit, you might be eligible for a loan in just a few years. (This also depends on type of bankruptcy you file and if you can afford it. ) There are different kinds of bankruptcy and mortgage loans, so it is important to find legal counsel that is knowledgeable and has your best interest. Your lawyers at Whitten & Whitten can explain what options are available to you. Every case is different, and everyone has different hopes and aspirations for what happens after bankruptcy is discharged. Cour dreams of homeownership don’t have crumble because of bankruptcy. Bankruptcy... --- > Dreaming of a new car after bankruptcy? Learn how achievable it is with practical advice from our experienced Merrillville Chapter 13 bankruptcy lawyer. - Published: 2023-11-24 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/a-new-car-after-bankruptcy/ - Categories: Bankruptcy In Northwest Indiana, many people rely on a car to travel to work. It is nerve-wracking when you are in need of a new car, but can’t get one. When you are facing bankruptcy, you likely can’t afford another payment, like leasing or financing a vehicle. After bankruptcy, will you be able to buy a car? After bankruptcy, your credit score will likely dip below a score a typical lender would need to approve a car loan. With that being said, you can improve your credit score by making on time payments and spending responsibly. With bankruptcy, time is on your side. The more time passes, the better your score will get as long as you live within your means. Also, bankruptcy will eventually fall off your record all together. The timeline is typically 7-10 years. Cars are a large expense. When you add the cost of the car, maintenance, plates, and gas, it might be more than you can handle when you are getting yourself back on your feet financially. While you save for a vehicle of your own, there may be other opportunities for you to travel to work in more affordable way. Some cities, like Valparaiso, have a bus line. There are also more online work opportunities available now than ever before. Another idea is carpooling with coworkers. Even if you contribute for gas, it is still a tiny fraction of what you would pay for your own car. If these car alternatives are not an option,... --- > Unlock the secrets to rebuilding your credit after bankruptcy with actionable steps from our Hobart Chapter 7 bankruptcy attorney. - Published: 2023-11-20 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/secrets-to-building-credit-after-bankruptcy/ - Categories: Bankruptcy Can’t pay bills? Creditors calling? Imagine someone throwing a rope down in that black hole of debt. Bankruptcy is your hypothetical rope. When you are only making minimum payments and not paying all of the bills, things probably won’t get better without assistance. But... what about your credit score? Most people are worried about a credit score nosedive – and rightfully so. No matter what type of bankruptcy you file, your credit score will be impacted. Credit scores often determine your interest and eligibility when applying for a loan. Therefore, scores are undeniably important to loan seekers. However, when you are going through bankruptcy, you shouldn’t be taking out any loans anyway. The goal is to get rid of the debt that haunts you, not add to it. Credit scores are just numbers. You will only need them to be “good” or “excellent” when you are seeking a loan. At some point after bankruptcy, you might want to go for a mortgage or a car loan. Here are some secrets to build your credit after bankruptcy: Monitor your credit. Online tools, like Credit Karma, allow you to peek at the two largest credit institutions, TransUnion and Equifax. Your bank might even offer credit monitoring. Keeping an eye on your credit helps you see progress as your credit number moves higher and higher. This can be a great motivation! You should also know what positively and negatively affects your credit score. The following points are the main factors. Payment History. Make... --- > Facing bankruptcy and divorce simultaneously? Get compassionate guidance from our Gary Chapter 7 bankruptcy lawyer to navigate this complex situation. - Published: 2023-11-16 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/bankruptcy-divorce/ - Categories: Bankruptcy Divorce and bankruptcy are difficult experiences. This is especially true when a person is tackling them both. It might feel like the center of a hurricane and tornado without an end in sight. If you are facing this scenario, you are not alone! Many people go through a divorce and bankruptcy back-to-back, or sometimes, at the same time. When there is so much going on, it might be hard to see the other side. However, with the right support network and lawyers, these difficult events might the first step to a new start. When you are at the end of an unhealthy marriage and upside-down finances, you deserve a fresh beginning towards a healthier life! Before filing for either, here are some important things to keep in mind: Create a plan. Discuss your options with experts, like your team at Whitten & Whitten. A solid plan will make your divorce and bankruptcy less stressful. Take a long hard look at what debt, property and possessions you have and decide what type of bankruptcy to file. CLICK HERE for a quick guide on Chapter 13 and CLICK HERE for to learn more about Chapter 7. Chapter 7 is often chosen for a quicker divorce. Make sure to talk to Whitten & Whitten for guidance on this decision. Decide What Comes First. Should you file for bankruptcy before or after a divorce? This depends on many factors like, what kind of bankruptcy you file, how much and what kind of debt you... --- > Considering bankruptcy? Use our ultimate 10-point checklist crafted by our Gary bankruptcy attorney to determine if it's the right time for you. - Published: 2023-11-12 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/is-it-time-for-bankruptcy-the-ultimate-10-point-checklist/ - Categories: Bankruptcy If you’ve been struggling with money, you might wonder at what point to consider bankruptcy. Maybe you’ve noticed that lot of your friends and family complain about the pile of monthly bills and this might make you wonder was is normal and what is not. One thing is for certain, ignoring the collection calls and letters from lawyers won’t make the problem go away. The sooner you face this issue, the better. Maybe your first step at facing the problem is reading this list below. If any of these sounds familiar, it may be time to consider bankruptcy. Stress. It’s normal to be concerned about finances and most people experience occasional stress about money. However, if you are so stressed that you can’t sleep, you are depressed, and/or there doesn’t feel like a way out, you might be headed towards bankruptcy. Cards Are Maxed Out. Do you use your credit cards for groceries or gas? Are you paying an expensive minimum payment and barley touching the principal? One of the reasons people seek bankruptcy is because their credit cards are maxed out or close to it. When this happens, you might have no other way to buy food, gas, or pay the mortgage. This is a turning point because your family can no longer survive without something changing immediately. Missed Payments. You can’t pay your debts or other bills and miss due dates. Phone Calls and Letters. You started getting aggressive calls and letters debt collectors. No Savings. Maybe you... --- > Dispelling bankruptcy myths: Get the facts and debunk common misconceptions with help from our Schererville Chapter 13 bankruptcy attorney. - Published: 2023-11-08 - Modified: 2024-03-14 - URL: https://kmslawoffice.net/7-bankruptcy-myths-exposed/ - Categories: Bankruptcy Myths are widely believed falsehoods. When facing bankruptcy, you’ll likely hear myths from well-meaning friends and family. They might say things like, “You’ll never get another loan and kiss your house goodbye. ” Because there are different types of bankruptcy and every case is different, blanket statements like these are myths. This is why it is so important to only take advice from an expert. Call your local bankruptcy attorneys at Whitten & Whitten to learn what bankruptcy can look like for your unique situation. 7 common myths about bankruptcy below: You have to pay everything back. This is not universally true. Depending on which bankruptcy you declare, you might not have to pay anything back at all. Your lawyers can help you decide what bankruptcy suits your situation the best. Married couples must file together: The only person that needs to file is the one who is liable for the debt. Often times, large debts are only in one person’s name. Of course, if both partners are responsible for large debts, they should both file for bankruptcy. Your credit will never recover: This is not true. Yes, bankruptcy remains on your credit report for the seven to 10 years, which will limit your access to new lines of credit. However, your scores will recover with good spending habits and time. Check out our blog all about credit ratings and bankruptcy by clicking here. Bankruptcy discharges every debt to your name. While bankruptcy gives you freedom from most of your... --- > Explore the pros and cons of filing for bankruptcy before the holidays with this comprehensive guide. Get insights, actionable tips, and professional advice from experienced Gary bankruptcy lawyers to navigate your financial challenges and start fresh in the New Year. - Published: 2023-11-04 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/filing-for-bankruptcy-before-the-holidays/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankrupt filing, bankruptcy attorney NW Indiana, bankruptcy lawyer Financial management can be tricky, especially when you're dealing with debt. Sometimes, bankruptcy may seem like the only viable solution to escape the relentless cycle of bills and debt collectors. But timing is everything – should you file for bankruptcy before the holidays? Whitten & Whitten offers guidance to help you determine the right timing to file. Contact our lawyers to discuss the specifics of your case at a consultation, where we can provide detailed insight into your situation. Understanding Bankruptcy Bankruptcy is a legal process that allows individuals struggling with debt to seek some financial relief. It's not an easy decision, nor should it be taken lightly, as it has certain financial and emotional implications. However, it can provide a fresh start by wiping out certain debts or providing a manageable plan to pay them off. The Upside to Filing Before the Holidays Filing for bankruptcy before the holidays can have several benefits: Debts Eliminated Before the New Year: By filing before the holidays, you could potentially have your unsecured debts discharged by the start of the New Year, giving you a clean slate. Escape Garnishments and Debt Collectors: Bankruptcy can stop wage garnishments and houndings from debt collectors, providing some peace during the holiday season. Fresh Start in the New Year: Filing for bankruptcy can provide the opportunity to start fresh in the new year, free from the burden of insurmountable debt. The Downside of Filing Before the Holidays However, there are potential ramifications to consider: Impact on... --- > Secure your vehicle from repossession with the help of our Highland Chapter 13 bankruptcy lawyers. Learn about the repossession process, its consequences, and how bankruptcy can provide a solution. - Published: 2023-09-25 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/how-to-stop-repossession-of-your-vehicle/ - Categories: Bankruptcy, Vehicle Repossession - Tags: bankruptcy attorney NW Indiana, bankruptcy lawyer, repossession lawyer bankruptcy, Vehicle Repossession We rely on our personal vehicles to complete many essential day-to-day tasks. If you're worried that your car might be repossessed due to debt, you are no doubt under a lot of stress. But there are several ways to mitigate the situation and prevent your vehicle from being taken away. Understanding the process of repossession and the potential consequences is an essential first step. Whitten & Whitten explores this issue and explains why filing for bankruptcy might provide a viable solution. For case-specific advice, schedule a consultation with our attorney. Understanding Repossession and Its Consequences Repossession typically occurs when you fall behind on your monthly payments, such as those for a car. The lender has the right to seize the property without warning, leaving you without a critical resource and potentially damaging your credit history. Repossession can have severe consequences: Credit impact: A repossession stays on your credit report for up to seven years, significantly impacting your credit score. Financial ramifications: It may lead to raised interest rates, reduced credit limits, or an overall drop in your financial standing. Collections: Your delinquent loan may be sent to collections, adding another negative mark on your credit history. Traditional methods to halt repossession include renegotiating your loan terms or voluntarily surrendering your vehicle before repossession occurs. However, these options may not be feasible or beneficial for everyone. The Role of Bankruptcy in Preventing Vehicle Repossession Filing for bankruptcy may provide a more suitable option for stopping vehicle repossession. Two types of bankruptcy... --- > Our Merrillville bankruptcy lawyer explains gifts allowed during bankruptcy and those that could create problems. - Published: 2023-08-27 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/can-i-give-gifts-before-filing-for-bankruptcy/ - Categories: Bankruptcy, Chapter 7 Bankruptcy - Tags: bankrupt filing, bankruptcy attorney NW Indiana, bankruptcy lawyer, file for bankruptcy Filing for bankruptcy provides a way for honest debtors to gain freedom from overwhelming debts. However, the bankruptcy court will consider your overall financial picture, including any gifts you may have made to others. Our Indiana bankruptcy lawyers explain basic guidelines when it comes to gift giving and how it could impact your bankruptcy case. Bankruptcy Rules When It Comes to Gift Giving Credit card companies, banks, and other types of lenders often overextend credit to clients. They know they can make money by charging high-interest rates. If you fall behind on payments, they tack on heavy penalty fees and either repossess the items purchased or take you to court. Bankruptcy helps level the playing field. When an honest debtor gets overwhelmed with debts, filing for bankruptcy provides a solution. It completely eliminates certain types of debts while restructuring others, reducing the overall amount owed and making payments more reasonable. However, there are some rules that apply. Under the United States Code (11 U. S. C. § 548), fraudulent transfers are prohibited and could impact your right to file bankruptcy. This means you can not give away large amounts of property and assets prior to filing a bankruptcy petition. Gifts are generally allowed, provided they are reasonable and do not represent significant amounts of money. Common types of gifts permitted include: Toys and other items purchased for children; Birthday gifts for family members and friends; Gifts given for Christmas and other holidays; Gifts made to charities and non-profit organizations. The... --- > Overspending can easily lead to overwhelming debt problems. Our Dyer bankruptcy lawyers help you get the financial fresh start you need. - Published: 2023-07-26 - Modified: 2024-03-08 - URL: https://kmslawoffice.net/how-to-overcome-a-spending-problem/ - Categories: Bankruptcy, Rebuilding Credit After Bankruptcy - Tags: bankruptcy attorney, credit card debt, debt relief, overspending With the high costs of products and services today, it is easy to overspend. Putting purchases on credit cards or taking advantage of other attractive financing options only makes this situation worse. A habit of overspending can quickly lead to missed payments, harassing credit collection calls, and lawsuits or other legal actions. At Whitten & Whitten, our Indiana bankruptcy attorneys explain how to address this type of situation and overcome a spending problem. The Psychology Behind Overspending The first step in overcoming a spending problem is often to understand why you are overspending in the first place. According to U. S News and World Reports, living a lifestyle that is beyond your financial means and accumulating debts you are unable to pay is often motivated by one of the following reasons: Lack of proper budgeting skills; Lack of financial planning for wants and needs; Lack of patience in terms of being able to wait for what you want; Succumbing to marketing strategies that appeal to your fear of missing out (FOMO); Succumbing to gimmicks claiming there is only a limited supply of certain items or a limited time to get them at a particular price. Trying to ‘keep up with the Joneses’ is another common reason for spending. Social media only seems to add to the problem, as it can show images of friends, family, or even strangers living the type of lifestyle that you want for your own but are unable to reasonably afford. How to Get Your Spending... --- > Dealing with debt is stressful. So is handling it through bankruptcy. See how the Merrillville Chapter 7 bankruptcy attorneys at Whitten & Whitten can assist you. - Published: 2023-06-24 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/tips-for-managing-stress-during-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy attorney NW Indiana, bankruptcy law firm, debt relief At times there is a stigma attached to bankruptcy. It is often seen as a negative situation. A person who has filed for bankruptcy is seen as irresponsible and poor with money. However, sometimes it is necessary. A person may be off track so much that bankruptcy is the only thing that can help them get out of overwhelming debt. Bankruptcy may be seen as negative, but it can be beneficial in many ways. You need to look on the bright side when going through bankruptcy. Otherwise, you will experience a lot of stress. Do not let the stress get out of control. Here are some ways to manage it. Manage Expectations While you may not need to divulge to your children that you are going through bankruptcy, you definitely need to manage expectations with your spouse. You need to be on the same page as to what will happen in the future. You will need to create a budget and change your spending habits. You will not be able to use credit cards. You will need to make more money to get your finances under control and keep them that way. Exercise When you are feeling down, exercise can be a great pick-me-up. Physical activity causes your body to release endorphins, which give you feelings of happiness. Exercise also helps you unwind and focus on other things. Try to aim for 30 minutes a day. Talk it Out It may be embarrassing to talk about your situation with others,... --- > Bankruptcy stops creditor adverse actions and discharges medical and other unsecured debt. Bankruptcy also gives debtors the option to repay this debt on their terms. Call our Valparaiso bankruptcy lawyers. - Published: 2023-05-28 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/can-i-file-bankruptcy-on-medical-bills/ - Categories: Bankruptcy, Chapter 7 Bankruptcy, Wage Garnishment - Tags: bankruptcy attorney NW Indiana, bankruptcy lawyer, Chapter 7 lawyer, medical bill debt The Affordable Care Act eased the medical bill crisis for many families. Nevertheless, over 100 million Americans struggle to pay high medical bills. Normally, doctors and hospitals quickly turn over unpaid accounts to aggressive debt collectors. These organizations have absolutely no patience and, unlike doctors, have no relationship with debtors. So, they are willing to do whatever it takes to collect medical debt as quickly as possible Medical debt collectors relentlessly collect a debt, and an Indiana bankruptcy lawyer relentlessly works for families like yours. Attorneys use little-known legal loopholes to help more debtors qualify for bankruptcy. Next, an attorney uses advanced insight to complete the complex forms. A lawyer does not simply fill in the blanks. Then, when the case goes to court, an Indiana bankruptcy lawyer works even harder to uphold your legal and financial rights. Medical Bill Discharge Most people with high medical bills and other high unsecured debts file for Chapter 7. This form of consumer bankruptcy eliminates most unsecured debts in as little as six months. Details matter in these cases. Proper creditor notice is a good example. Delinquent medical accounts often change hands several times. One debt buyer frequently sells an account to another debt buyer. If the current account holder does not get proper notice, that debt buyer could claim ignorance and continue aggressive collection tactics. “Discharge” means a judge eliminates the legal requirement to repay a debt. The collateral consequences of that debt remain. For example, if patients owe money, many doctors... --- > Filing bankruptcy lowers your credit score, but it does not cause a score to nose dive. Responsible post-bankruptcy credit use, like borrowing money, raises an after-bankruptcy credit score even higher. Call our Merrillville Chapter 13 bankruptcy attorney. - Published: 2023-04-23 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/how-long-after-bankruptcy-can-i-get-a-credit-card/ - Categories: Bankruptcy, Rebuilding Credit After Bankruptcy - Tags: bankruptcy lawyer, credit card debt, debt relief, rebuild credit Technically, bankruptcy debtors could get credit cards the day after they emerge from bankruptcy. There is no waiting period. Realistically, filing for bankruptcy lowers your credit score. Anyone who says otherwise is probably inexperienced in this area. However, the impact is not as bad as most people believe it is. In fact, most former debtors had credit scores above 640 less than two years after their bankruptcies were closed. Most people qualify for credit cards with that score, although they might pay a slightly higher interest rate or face some other small restrictions. A post-bankruptcy credit card is usually a good idea. Demonstrating responsible credit use is a good way to raise your score. More on that below. An Indiana bankruptcy lawyer does much more than file paperwork. An attorney stands up for you throughout this legal process, especially if things go sideways and the judge orders a hearing. Furthermore, after bankruptcy, an attorney points you in the right direction, so you may begin raising your score. With an Indiana bankruptcy lawyer’s help, your credit score could be much higher than average. Credit Card Tips Many of our clients receive a flood of post-bankruptcy credit card offers. These banks know that a discharge waiting period applies, so the chances of credit card default are smaller. Therefore, most people have lots of credit card choices. We usually recommend a secured credit card or at least one with a low spending limit. These safeguards minimize the temptation to overspend. This bad habit... --- > Bankruptcy myths usually involve misunderstandings about asset protection and the bankruptcy process. Call our Merrillville Chapter 7 bankruptcy lawyers for help. - Published: 2023-03-28 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/five-of-the-most-common-myths-about-bankruptcy/ - Categories: Bankruptcy, Rebuilding Credit After Bankruptcy - Tags: bankruptcy, bankruptcy attorney, bankruptcy attorney NW Indiana, bankruptcy questions For many years, banks have promoted a number of bankruptcy myths, especially the five listed below. These myths were strong enough to convince lawmakers to pass a sweeping bankruptcy limitation measure in 2005. Today, almost 20 years later, these myths are strong enough to prevent many Indiana families from filing the bankruptcy, that deep down, they know they desperately need to file. When our Merrillville bankruptcy lawyers work on your case, our team relies on facts instead of myths. The facts about bankruptcy are clear. Only this federal debt relief program immediately stops foreclosure and other adverse actions. Only bankruptcy protects your most important assets from liquidation and ensures that debt discharge goes according to plan. All facts combine to give your family the fresh financial start it needs and deserves. MYTH: People Who File for Bankruptcy are Failures This myth probably comes from Monopoly. In this board game, players who file bankruptcy must leave the game, and they have no hope of rejoining it. As a general rule, it is a bad idea to base important life decisions on board games. That is especially true if, as is the case in this situation, the board game is flat wrong. As mentioned, bankruptcy gives families a fresh start. To use a Monopoly analogy, filing bankruptcy is a little like being stuck on the Jail-Just Visiting square for a few turns. Bankruptcy suspends, but certainly does not end, financial activity in life. Once they are free of crushing debt and start... --- > The serial filing rule and the waiting period rule are the two biggest rules in this area. People cannot constantly file bankruptcy to frustrate creditors, and they cannot immediately obtain subsequent bankruptcy discharges. Sometimes, a second filing is part of a Gary bankruptcy attorney’s legal strategy. - Published: 2023-02-21 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/can-i-file-for-bankruptcy-more-than-once/ - Categories: Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, Chapter 7 Bankruptcy, NW Indiana bankruptcy lawyer The financial storms of life trigger most personal bankruptcy filings, and in most cases, these storms hit more than once. Medical bills are a good example. Excessive medical bills cause about two-thirds of bankruptcy filings, and most people get seriously ill or injured more than once. So, even if they make some financial changes in their lives, many people must file for bankruptcy more than once. As outlined below, these distressed debtors usually have legal options. Whenever your family is in severe financial distress, whether it is the first time or a subsequent time, you can count on a Northwest Indiana bankruptcy lawyer. An attorney quickly evaluates your case and determines your legal options. Additionally, only an attorney knows about some obscure bankruptcy loopholes which can save your family thousands of dollars and help prevent a future financial crisis from happening. Serial Filing The serial filing rule, which varies in different jurisdictions, may be the biggest roadblock to multiple bankruptcy filings. In a nutshell, if the court believes the debtor is trying to game the system, the court could unilaterally dismiss the bankruptcy, leaving the debtor in an even worse financial position. Fortunately, this hammer usually does not fall immediately. Instead, most judges take a more measured approach, as follows: One Prior Filing: Usually, if the debtor has filed before and shows cause that a new filing is necessary, the bankruptcy proceeds as usual. Generally, “cause” is any excuse better than my cat being sick. Two Prior Filings: To avoid... --- > Past due balances of utility bills may be considered unpaid debts, and filing for bankruptcy may be an answer. Merrillville bankruptcy attorneys at Whitten & Whitten deal with consequences of debts separately and are available to consult you about your situation. - Published: 2023-01-30 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/does-bankruptcy-take-care-of-past-due-utility-bills/ - Categories: Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, bankruptcy lawyer, filing for bankruptcy Yes and no. Past-due utility bills are unsecured debts. So, they are dischargeable in bankruptcy. “Discharge” basically means the judge eliminates the legal obligation to repay the debt. In other words, the debt disappears, but not the collateral consequences of that debt. Utility companies may still cut off service, deny service, and take other adverse action until the obligation is paid or otherwise satisfied. Generally, a Dyer bankruptcy lawyer negotiates with utility companies. Utility companies typically accept partial payments and forego any adverse actions. Attorneys usually negotiate with credit card companies, taxing authorities, and other unsecured debtors who place liens or take other adverse actions before the debtor files for bankruptcy. On a related note, after the debtor files for bankruptcy, utility companies can only shut off utility services in limited situations. Generally, utility companies cannot terminate service without giving proper notice to debtors. Discharge in Chapter 7 Chapter 7 discharges unsecured debts in as little as nine months. So, these debtors quickly get a fresh financial start. Most people qualify for Chapter 7, even under the means test. Families presumptively qualify if their annual incomes are below $95,000 (for a family of four) as of November 1, 2022. This amount changes about every six months. If your annual income is slightly over the cutoff, a Dyer bankruptcy attorney helps you qualify based on your monthly income/expense ratio. Some parts of the Hoosier State are much more expensive in terms of the cost of living than others. If your annual... --- > If servicemembers or other debtors do not meet Indiana’s residency requirement, they may use the exemptions from another state. They are still able to file for bankruptcy in Indiana. Additionally, if financial problems threaten your security clearance, a Highland bankruptcy attorney knows how to protect it. - Published: 2022-12-21 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/can-i-file-for-bankruptcy-if-i-am-in-the-military/ - Categories: Bankruptcy, Chapter 7 Bankruptcy, Wage Garnishment - Tags: bankruptcy lawyer, military bankruptcy, NW Indiana bankruptcy lawyer, service member bankrupt If they meet basic income and debt-related qualifications, anyone can file for bankruptcy at any time. Additionally, since these actions are voluntary petitions, most debtors can pull the plug on bankruptcy anytime. However, state law requires a two-year residency period to use Indiana state exemptions. Most other states have similar rules. If military servicemembers or other debtors don’t meet the state residency requirement, they must use the exemptions from another state where they lived previously. Furthermore, all distressed debtors have the right to partner with a Highland bankruptcy attorney and obtain a fresh financial start. This partnership is an investment at a time when money is often tight. However, this investment always pays off. An attorney does more than fill out paperwork, which is the only thing a cut-rate bankruptcy petition preparer can do. Furthermore, only a lawyer unlocks some advanced bankruptcy options, which, in many cases, save your family thousands of dollars a year. Benefits of Bankruptcy The benefits of bankruptcy begin with the Automatic Stay. This federal law provision is the same for all filers, whether they are residents of Indiana or another state. Since the Supreme Court has watered down some non-bankruptcy consumer protection laws, creditors are aggressive when it comes to demanding repayment. That situation changes when distressed debtors file for bankruptcy. The Automatic Stay prohibits most creditor adverse actions, including: Wage garnishment, Foreclosure, Collection lawsuits, Repossession, and Utility shutoff. In some cases, the Automatic Stay only applies in limited situations. However, a Highland bankruptcy attorney... --- > Many people have debts they cannot pay, and there are different options for filing bankruptcy cases to help. Let a bankruptcy attorney in Merrillville evaluate your best options today. - Published: 2022-11-22 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/the-basics-of-chapter-13-bankruptcy/ - Categories: Bankruptcy, Chapter 13 Bankruptcy - Tags: Chapter 13, chapter 13 lawyer, Merrillville bankruptcy attorney Bankruptcy can work as a financial do-over, but what it is not is a handout, charity, or a sign of failure. We all face difficulties, and some of us face more daunting financial difficulties than others. If the global pandemic has taught us nothing else, it is that, sometimes, we need to regroup and try a different course and that, sometimes, the answer is bankruptcy. If you are considering bankruptcy, the first order of business is reaching out to an experienced bankruptcy attorney in Merrillville. Chapter 13 Bankruptcy If your financial needs involve offloading cumbersome debt while retaining your personal property (which is generally the goal for personal bankruptcies), Chapter 13 bankruptcy may be in order. A successful Chapter 13 bankruptcy filing puts an end to all debt collection efforts, including: Repossession actions Foreclosure proceedings Wage garnishments This is achieved through the automatic stay that the Chapter 13 bankruptcy statute imposes. While this stay is in effect, your creditors must refrain from suing you in relation to your debts and from calling you in an effort to collect on those debts, which can offer you the reprieve you need to regain your financial footing. Additionally, Chapter 13 bankruptcy can offer you, as the debtor, all the following: Your successful bankruptcy will allow you the ability to retain significant amounts of property, including equity in your home, car, and some additional investments. All of your debts addressed by the bankruptcy will be combined into one amount, and repayment, which will be... --- > If you are considering bankruptcy, you do qualify to file even if you recently moved to a new state. However, there are pros and cons that affect when you should file. Contact a Merrillville bankruptcy lawyer to learn about how timing provides certain advantages. - Published: 2022-11-07 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/i-just-moved-can-i-file-for-bankruptcy/ - Categories: Bankruptcy - Tags: bankruptcy filing, homestead exemption, managing debt Filing for bankruptcy is a monumental decision, one that offers numerous benefits for your future and financial outlook. It also carries consequences in the short term, so you must assess every factor that might affect your case. A recent move to a new state is definitely a life event that impacts your decision-making about bankruptcy in Indiana. The issue boils down to exemptions under the US Bankruptcy Code and how they are affected by timing. You might not expect a few days to matter, but there is an ideal time to file to protect as much of your assets as possible. Regardless of whether your situation warrants prompt action or waiting, the time is now to make the decision. You cannot delay in developing a solid legal strategy even before you move to a new state. It is important to work with an Indiana bankruptcy attorney to ensure you leverage all benefits of timing. Some background information is also helpful. Comparing Exemptions Though the reasons are different for the two forms of consumer bankruptcy, your goal is to safeguard as much of your property as possible. With Chapter 7, you could lose assets through liquidation; in Chapter 13, you pay the value of non-exempt assets. You can protect property through bankruptcy exemptions, which are available through federal and state regulations. Therefore, the key question is whether you want to apply the exemptions of your new state or the state where you used to live. A second issue is any potential... --- > If you are filing for bankruptcy in Indiana, check with a Merrillville bankruptcy lawyer to see if any of your property is exempt under state law. Call Whitten & Whitten to begin. - Published: 2022-10-02 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/common-indiana-bankruptcy-exemptions/ - Categories: Bankruptcy, Chapter 13 Bankruptcy - Tags: bankruptcy attorney, bankruptcy exemptions, bankruptcy lawyer, NW Indiana bankruptcy lawyer The idea of filing for bankruptcy can be intimidating, particularly if you aren’t sure what will happen to your property. Indiana provides some exemptions that you can use to keep certain assets when filing for bankruptcy. You may be able to protect some property, such as your car, house or retirement account. First, you should have a solid understanding of the common bankruptcy exemptions in Indiana. Discuss your case with our team at Whitten & Whitten to see whether bankruptcy is right for you. We can provide information specific to your situation and guide you through the next steps. How Bankruptcy Exemptions Work in Indiana Whether you file for Chapter 7 or 13 bankruptcy, you may be able to protect property that falls under an exemption, although each chapter handles nonexempt property differently. For instance, a trustee sells and distributes the nonexempt property’s proceeds to creditors in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you can keep what you own while paying the nonexempt property's value through a repayment plan or disposable income. When Do Indiana’s Bankruptcy Exemptions Apply? You are eligible for bankruptcy only after you’ve lived in Indiana for over 180 days. However, in order to utilize Indiana’s exemptions, you’ll need to have lived in the state for a minimum of 730 days before filing. If you do not meet this requirement, you will use the exemptions of the state you previously lived in. Common Bankruptcy Exemptions in Indiana Even though people living in Indiana are... --- > Bankruptcy law and consumer bankruptcy filings involve a wide range of legal terms that can be complicated for a debtor to understand. While it is important to learn more about the type of bankruptcy you will be filing, the Northwest Indiana bankruptcy attorneys Whitten & Whitten can assist you with your case. - Published: 2022-09-04 - Modified: 2024-03-07 - URL: https://kmslawoffice.net/key-differences-in-chapter-7-and-chapter-13-bankruptcy/ - Categories: Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy - Tags: bankruptcy attorney, bankruptcy lawyer, Chapter 13 Bankruptcy Lawyers, Chapter 7 Bankruptcy Attorney Filing for bankruptcy gives individuals, families, and businesses who are unable to meet their financial burdens the opportunity to have some or all of their debts forgiven, thus giving them a fresh financial start. Of the many different types of bankruptcy proceedings available to debtors in the U. S. , Chapters 7 and 13 are perhaps the most popular. Each comes with its own specific set of advantages and disadvantages, making it especially important for those who are considering filing for bankruptcy to first speak with an experienced bankruptcy attorney about their options. Chapter 7 Bankruptcy There are actually a number of different types of bankruptcy for which a person can file. However, one of the most popular forms is known as Chapter 7 bankruptcy, which allows for the discharge of unsecured debt through the sale of non-exempt assets. Examples of unsecured debt include: Credit card debt; Debt incurred after taking out personal loans; Student loan debt; Court ordered child support payments; and Medical bills. On the other hand, secured debts remain unaltered, which means that the collateral used to secure those debts will remain in the debtor’s possession as long as that individual makes timely payments. Chapter 7 bankruptcy proceedings are always available to businesses and individuals with business debt, although individuals without such debt are only permitted to file a Chapter 7 petition if their current monthly income is lower than the median income for a household of their size in the state. Chapter 13 Bankruptcy Chapter 13... --- > Bankruptcy and COVID-19: Understand the implications and receive tailored advice from our Griffith Chapter 7 bankruptcy attorney to protect your financial future. - Published: 2020-08-19 - Modified: 2025-02-10 - URL: https://kmslawoffice.net/bankruptcy-and-covid-19/ - Categories: Bankruptcy Reduction in hours, furloughed, or jobless – many Hoosiers are struggling. The global pandemic not only impacted our healthcare system, it brought our local and national economy to its knees. Hardworking individuals and families are suffering financially as state and federal assistance are ending. For example, the $600 unemployment benefits, student loan forbearance, and other extensions from private companies like Comcast’s free internet, have all expired. Although programs are ending, the coronavirus continues to spread while people seek work. According to Market Watch, about 20 million Americans are received unemployment benefits after 14 million jobs were lost in March followed by 10 million lost jobs in April. Our country hasn’t seen unemployment rates like this since the Great Depression. Industries that were especially hard-hit include retail, restaurants, bars, and tourism. After the nation slowly reopened, the job market started to recover. However, new job listings are sprouting up at a slow pace. It is ill-fated to think about the abundance of job openings before the pandemic hit US soil, which were reaching record highs. Hopefully we find our way back, but experts say it could take years. COVID-19 is predicted to cause dozens of new bankruptcy cases in Indiana. Families are finding it difficult to pay their bills, debts, and mortgages in this shaky economic climate. The COVID-19 pandemic comes at a time when consumer debt is higher than ever. For this reason, bankruptcy might be the only option for borrowers with large debts. Americans owe trillions in mortgages, credit... --- --- ## City-State > Find peace of mind with Whitten & Whitten. Our Schererville bankruptcy lawyers offer compassionate support and tailored solutions for your financial needs. - Published: 2025-05-06 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/citystate/schererville-bankruptcy-lawyers/ Schererville Bankruptcy Lawyers Debt can feel like a weight that grows heavier with every passing day. Sleepless nights, anxious thoughts, and the constant dread of creditor calls can leave you feeling trapped and overwhelmed. If you're experiencing this, know that you are not alone, and there are actionable steps you can take to find relief from debt-related stress. At Whitten & Whitten, we have years of experience helping individuals just like you. Our compassionate and skilled Schererville bankruptcy lawyers are here to provide the guidance you need to reclaim control of your financial situation and your peace of mind. Understanding Debt Stress and Its Impact Debt-related stress not only affects your finances but also your mental and physical health. It can lead to anxiety, depression, strained relationships, and overall burnout. This stress can snowball, making it even harder to make informed decisions about your financial future. Practical Strategies to Manage Debt Stress While debt might seem insurmountable, managing the emotional toll is possible. Here are some steps you can take right now to alleviate the strain: Understand Your Financial Situation: Take a clear, honest look at your debt. Knowing exactly what you owe and to whom can provide clarity. Create a list of all your outstanding debts, including amounts, due dates, and interest rates. Set Realistic Goals: Start small and focus on what you can address in the short term. Even paying off a small portion of debt can build momentum and reduce stress. Build a Budget: Track your earnings... --- > Need a fresh financial start? Whitten & Whitten's Crown Point Chapter 7 lawyer can help safeguard your property and plan for the future. - Published: 2025-05-06 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/citystate/crown-point-chapter-7-lawyer/ Crown Point Chapter 7 Lawyer Filing for a Chapter 7 bankruptcy can feel daunting, especially if you're worried about losing your hard-earned property. The thought of parting with your home, car, savings, or other valued assets often adds stress to an already overwhelming financial situation. However, just because you file for Chapter 7 bankruptcy doesn't mean you have to rebuild your life from zero. At Whitten & Whitten, we know how important it is to safeguard the things that matter most to you. Our experienced Crown Point Chapter 7 lawyer is here to guide you through the Chapter 7 bankruptcy process with strategies designed to protect your assets and provide peace of mind. What Protections Exist for Your Property in Bankruptcy? One of the most common misconceptions about bankruptcy is that you'll lose everything you own. This isn't true. Chapter 7 bankruptcy contains laws to help you preserve essential property through exemptions and strategic planning. Exemptions are legal protections that allow you to keep certain categories of property. The types and amounts of exemptions vary by state, but they generally include: Your Home (Homestead Exemption): Protects a portion of the equity in your primary residence. Your Car (Vehicle Exemption): Covers the equity in your vehicle up to a certain limit. Household Goods and Personal Items: Includes furniture, appliances, clothing, and other necessities. Retirement Accounts and Pensions: Most retirement savings, such as 401(k)s, IRAs, and pensions, are fully protected. Tools for Work: Allows you to keep items necessary for your trade... --- > Considering bankruptcy? Learn more here and call our Chesterton bankruptcy lawyer for more information. - Published: 2025-05-06 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyer-chesterton/ Bankruptcy Lawyer Chesterton Persistent creditor calls, threatening letters, and unrelenting pressure from debt collectors can feel like a daily assault on your sense of security. Whether you're at work, at home, or spending time with loved ones, creditor harassment can disrupt your life and escalate the stress of financial struggles. But you don't have to face this alone. With years of experience helping clients end creditor harassment, Whitten & Whitten's bankruptcy lawyer in Chesterton provides the legal tools and guidance to protect yourself, your family, and your peace of mind. The Toll of Creditor Harassment on Your Life Calls and letters from creditors are more than just annoying; they can have a profound and lasting impact on your emotional health and overall well-being. The persistent fear of harassment or the potential embarrassment of someone finding out about your financial struggles can create a heavy mental burden. This often leads to anxiety, sleepless nights, and a constant sense of dread. Over time, the stress can seep into other areas of your life, affecting your ability to focus at work, enjoy social activities, or even maintain healthy relationships. The strain can cause arguments with loved ones, feelings of isolation, and, in severe cases, depression. How Does Bankruptcy Stop Creditor Harassment Immediately? If you're seeking a way to end the stress caused by creditor harassment, filing for bankruptcy may be a solution worth considering. Bankruptcy protections include the automatic stay, which takes effect as soon as you file. This legal provision immediately halts... --- > Even with limited resources, financial recovery is possible. Whitten & Whitten's Porter County Chapter 7 bankruptcy attorney can guide you through your options. - Published: 2025-05-06 - Modified: 2025-05-06 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-attorney-porter-county/ Chapter 7 Bankruptcy Attorney Porter County Struggling with debts you can't repay can feel like an unbearable weight. You might feel deeply embarrassed, frustrated, and completely stuck—unsure if there are any options out there to help when you can't pay anything back. But it's important to remember that no matter how overwhelming it feels, your situation isn't hopeless. There are solutions, and with the right support, you can find a path forward. At Whitten & Whitten, we have devoted our firm to guiding people through complex financial hardships. Our experienced Chapter 7 bankruptcy attorney in Porter County is here to provide clarity, practical advice, and the legal tools to help you regain control of your financial life. The Real Reasons Most People Struggle to Repay Debts A lot of people believe that those who can't pay back their debt are simply financially irresponsible or don't know how to budget. However, in most cases, the inability to repay debt stems from circumstances beyond their control. Here are some common reasons people find themselves unable to meet their financial obligations Job Loss or Reduced Income: A sudden change in your employment situation can make it difficult to keep up with regular expenses and debt payments. Medical Bills: Even with insurance, health-related expenses can quickly turn into unmanageable debt. High-Interest Debt: Credit card and loan balances often grow faster than you can pay them down due to high interest rates. Unexpected Life Changes: Divorce, legal issues, family emergencies, or natural disasters can all... --- > Whitten & Whitten's bankruptcy attorney in Dyer simplifies the process, offering unparalleled guidance and care to help you regain financial control. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-dyer/ Bankruptcy Attorney Dyer Filing for bankruptcy can feel like a daunting, never-ending process, especially when you're already overwhelmed by debt and unsure how to navigate the legal system. You know it's time to take this step, but the thought of paperwork, court procedures, and legal jargon only adds to the stress. That's where Whitten & Whitten's bankruptcy attorney in Dyer steps in. We take the weight off your shoulders, confidently guiding you through every step and breaking everything down so it's simple and manageable. With us by your side, you have nothing to worry about—bankruptcy becomes the solution it's meant to be. What Does the Bankruptcy Process Entail? The bankruptcy process involves several steps. Here are the main stages of filing for bankruptcy: Credit counseling: Before filing, you must complete credit counseling with an approved agency. This helps you explore alternatives to bankruptcy and assess if it's necessary. The evaluation is typically done online or by phone after analyzing your budget. Filing the petition: Bankruptcy begins when you file a petition with the court. You must provide detailed financial information, including assets, liabilities, income, and expenses. Accuracy is crucial; your attorney can help gather the necessary details and complete the forms. Automatic stay: Once your petition is filed, an automatic stay stops creditors from collecting debts or repossessing property without court approval. This gives you relief from calls and letters while resolving your debts. Creditor meeting: About a month after filing, you'll meet with creditors and the trustee to review... --- > Whitten & Whitten's Chapter 13 lawyers in Highland help you regain financial control when it seems like there’s no hope. Let us create a repayment plan for you. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/citystate/chapter-13-lawyers-highland/ Chapter 13 Lawyers Highland If you feel buried under a mountain of debt, knowing it's more than you can handle but unsure if it's enough to qualify for bankruptcy, you're not alone. It's easy to feel trapped and hopeless, like there's no way out. At Whitten & Whitten, we're here to show you that you do have options—and we can help you find the right path forward. Our experienced Chapter 13 lawyers in Highland are skilled in understanding your unique financial situation, no matter how complicated, and crafting a plan to move forward. You don't have to face this challenge alone—there is a path to relief, and we're ready to guide you every step of the way. Chapter 13: A Different Approach to Relief Chapter 13 bankruptcy offers a practical solution for individuals with substantial debt who earn a steady, high income that bars them from Chapter 7. Unlike Chapter 7, Chapter 13 lets you restructure your debts into a manageable repayment plan spread over three to five years, allowing you to keep assets like your home or car. This option provides a clear path to regain financial control while honoring your obligations to creditors. Just like Chapter 7, it also stops foreclosure and halts creditor harassment, so you will have time to breathe and focus on rebuilding your financial stability. The Qualifications for Chapter 13 Bankruptcy You must meet certain criteria to file for Chapter 13. First, your unsecured debts cannot exceed $394,725, and secured debts must be under... --- > Whitten & Whitten's experienced bankruptcy attorney in Chesterton helps you face bankruptcy without fear. Maximize the benefits of a fresh start today. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-chesterton/ Bankruptcy Attorney Chesterton Filing for bankruptcy can feel overwhelming, especially when you're already under financial stress. It's easy to believe that taking this step will ruin your credit forever, make loans impossible, and block your path to financial success. But these fears are often based on myths, not facts. At Whitten & Whitten, we understand what you're going through, and we're here to help. Our experienced bankruptcy attorney in Chesterton will guide you through the process, ensuring it's handled correctly and to your advantage. Bankruptcy isn't the end—it's the start of a fresh financial future, and we'll make sure you're set up for success. What Are the Consequences of Postponing Bankruptcy? What most people don't realize is that living under the weight of unmanageable debt, with missed payments and escalating collection actions, can weigh more heavily on your financial future than bankruptcy itself. Prolonged financial strain can lead to severe damage to your credit score, compounding interest obligations, and even legal actions that are far more detrimental in the long run. By avoiding bankruptcy out of fear, individuals may inadvertently prolong their financial suffering and limit their ability to regain control. Bankruptcy Builds a Pathway to a Better Life A bankruptcy filing does impact your credit in the short term, but it also wipes the slate clean, eliminating overwhelming debt and allowing you to rebuild. After completing the process, many individuals find themselves in a better financial position with a manageable budget and, critically, the ability to improve their credit... --- > Whitten & Whitten's Crown Point Chapter 7 bankruptcy attorney gives you hope when you feel hopeless. Trust us to eliminate debt and stop creditor harassment. - Published: 2025-04-09 - Modified: 2025-04-09 - URL: https://kmslawoffice.net/citystate/crown-point-chapter-7-bankruptcy-attorney/ Crown Point Chapter 7 Bankruptcy Attorney Nothing is more debilitating than losing your job. Without a steady income, bills pile up, creditors call non-stop, and the weight of debt can feel unbearable. If you're ready to give up, it's important to know that help is out there. At Whitten & Whitten, we understand how hard it can be to see a way out, but we won't let you give up. Our Crown Point Chapter 7 bankruptcy attorney is ready to help you regain control of your financial future. Why Might Chapter 7 Bankruptcy Be the Right Option for You? For individuals who no longer have a reliable income, Chapter 7 bankruptcy offers a powerful way to break free from unmanageable debt. Often called "liquidation bankruptcy," Chapter 7 allows you to eliminate unsecured debts like medical bills, credit card balances, and payday loans quickly and effectively. When you've lost your job, this type of bankruptcy is designed to provide relief by wiping out debts you can no longer afford to pay. Since there are no long-term repayment plans, you don't need regular income to qualify. Once your debts are discharged, you can begin rebuilding your life without lingering burdens holding you back. The benefits of Chapter 7 filing go beyond just getting rid of debt. Filing for this bankruptcy type also puts an immediate stop to creditor harassment, wage garnishments, and foreclosure proceedings thanks to the "automatic stay" issued by the court. With this protection in place, you'll have the breathing... --- > Struggling with debt? Whitten & Whitten's Merrillville Chapter 13 bankruptcy attorneys stop creditors and help you regain control. A new beginning starts here. - Published: 2025-03-05 - Modified: 2025-04-17 - URL: https://kmslawoffice.net/citystate/merrillville-chapter-13-bankruptcy-attorneys/ Merrillville Chapter 13 Bankruptcy Attorneys Nothing feels more defeating than working tirelessly to pay off your debt, making payment after payment, yet never seeming to get ahead. On top of that, creditors won't stop hounding you, adding stress to an already overwhelming situation. You need relief. At Whitten & Whitten, our Merrillville Chapter 13 bankruptcy attorneys are here to help you find that relief and create a manageable path forward. Chapter 13 bankruptcy can stop creditor harassment and give you the fresh start you deserve. You're Not a Failure for Having Debt Debt can happen to anyone—whether from medical bills, job loss, or unexpected life events. And here's the truth: having debt doesn't make you a failure. Millions of Americans are in the same boat, struggling to keep up with bills and creditor demands. The difference is that you're choosing to take action. Deciding to explore options like bankruptcy isn't about giving up—it's about taking control of your situation and working toward a better financial future. By facing your debt head-on, you're doing something many don't, and that takes courage. How Can Chapter 13 Bankruptcy Give You Back Control? Chapter 13 bankruptcy is often referred to as a "wage earner's plan" because it allows you to reorganize your debts into a manageable 3- to 5-year repayment plan. With the approval of the court, you'll create a plan that fits your financial situation, ensuring you can meet payments comfortably. Even better, filing for Chapter 13 immediately halts collection activities, including phone... --- > Whitten & Whitten's Chapter 13 bankruptcy lawyers in Valparaiso can help you keep your belongings while regaining financial stability. Contact us today! - Published: 2025-03-05 - Modified: 2025-03-25 - URL: https://kmslawoffice.net/citystate/chapter-13-bankruptcy-lawyers-valparaiso/ Chapter 13 Bankruptcy Lawyers Valparaiso Filing for bankruptcy can feel overwhelming, especially when you're terrified of losing everything you've worked so hard for. It's a fear that stops many people from seeking the help they need, but the truth is bankruptcy doesn't always mean losing your possessions. At Whitten & Whitten, our Chapter 13 bankruptcy lawyers in Valparaiso have been helping people navigate this difficult process for years. We work to find solutions that allow you to keep your property while getting the financial relief you deserve. Why Losing Everything Is a Misconception The idea that bankruptcy will take everything you own is one of the most significant misunderstandings surrounding this process. Here's the truth: State Exemptions Protect Assets: Indiana law includes exemptions that safeguard certain assets like your home, vehicle, and essential personal property. For example, up to $17,600 of equity in your primary residence is protected for individual filers and even more for married couples. Not Everything Is Valuable Enough to Sell: Items like furniture and clothing often hold little resale value and are typically not targeted in bankruptcy proceedings. Bankruptcy Stops Foreclosures and Repossessions Temporarily: An automatic stay is triggered as soon as you file, halting creditors from proceeding with foreclosures or repossessions. This pause allows you time to regroup and protect what matters most. Understanding these protections can help relieve some of the anxiety surrounding bankruptcy. How Does Chapter 13 Bankruptcy Let You Keep It All? If losing your belongings still worries you, Chapter 13 bankruptcy... --- > Work with the trusted Hobart bankruptcy attorneys at Whitten & Whitten to make bankruptcy stress-free. We offer guidance tailored to your financial situation. - Published: 2025-03-05 - Modified: 2025-03-25 - URL: https://kmslawoffice.net/citystate/hobart-bankruptcy-attorneys/ Hobart Bankruptcy Attorneys Are you considering filing for bankruptcy but feeling overwhelmed by the process? At Whitten & Whitten, we understand how stressful financial challenges can be, and our Hobart bankruptcy attorneys are here to make bankruptcy a manageable, empowering step toward a fresh financial start. With decades of experience assisting Hobart residents, we provide guidance to help you take control of your financial future. Why Shouldn’t You Be Afraid to File? Filing for bankruptcy offers numerous benefits that far outweigh any potential challenges or misconceptions. It provides a legal pathway to regain control over your finances by stopping creditor harassment, wage garnishments, and foreclosure proceedings. Bankruptcy can eliminate or restructure overwhelming debt, giving you the breathing room to focus on rebuilding your financial future. Rather than being a mark of failure, it’s a powerful tool for a fresh start, offering individuals a chance to move forward with clarity and stability. By addressing debt head-on, bankruptcy helps you create a solid foundation for long-term financial success. A Compassionate Team of Hobart Bankruptcy Attorneys That Puts You First At Whitten & Whitten, we understand that filing for bankruptcy can feel like an emotional burden. That’s why our team does more than just handle your case efficiently—we prioritize understanding your concerns and ensuring you feel respected every step of the way. Our compassionate attorneys strive to take the stress out of a stressful situation, leaving you feeling confident and supported. Making Filing Stress-Free We know that financial and legal issues can weigh... --- > Work with the trusted Hobart bankruptcy attorneys at Whitten & Whitten to make bankruptcy strSummary: Explore debt relief with Whitten & Whitten, Griffith's trusted Chapter 7 bankruptcy attorneys. We analyze your situation with adept precision. - Published: 2025-03-05 - Modified: 2025-03-25 - URL: https://kmslawoffice.net/citystate/griffith-chapter-7-bankruptcy-attorneys/ Griffith Chapter 7 Bankruptcy Attorneys Trying to file for bankruptcy can be both stressful and confusing, especially when advice seems to come from all directions. You might be leaning toward Chapter 7, while others argue that Chapter 13 might be the better, safer choice. What you truly need is clarity—a clear, comprehensive understanding of your options to confidently make the best decision for your financial future. That's where Whitten & Whitten's Griffith Chapter 7 bankruptcy attorneys come in. We're here to guide you through the process and help you find real financial relief. How Do Chapter 7 and Chapter 13 Compare? Before diving into the specifics of Chapter 7 bankruptcy, it's important to understand how it differs from Chapter 13. Both are types of bankruptcy available to individuals and married couples, but they have significant differences in eligibility requirements, duration, and outcomes. Chapter 7 is often referred to as "liquidation" bankruptcy because it involves selling off certain assets to pay off creditors. This process typically takes a few months and results in the discharge of most debts. On the other hand, Chapter 13 is known as "reorganization" bankruptcy since it involves creating a repayment plan over three to five years using disposable income. The biggest advantage of filing for Chapter 7 is that it offers a quicker and more straightforward solution for those with overwhelming debt. However, not everyone is eligible for this type of bankruptcy. To qualify, your income must be below the state median, and you must pass... --- > Summary: Whitten & Whitten's Chapter 13 bankruptcy attorneys in Munster help protect your assets and achieve financial stability. Let us support you today. - Published: 2025-02-25 - Modified: 2025-02-25 - URL: https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-munster/ Chapter 13 Bankruptcy Attorneys Munster Feeling like debt is pulling you under? Worried you're getting in too deep but terrified of losing your home, car, or everything you've worked so hard for? You're not alone and don't have to face this alone. At Whitten & Whitten, our Chapter 13 bankruptcy attorneys in Munster have spent the last 30 years helping people like you find relief without losing it all. Bankruptcy doesn't mean starting from scratch—it's about regaining control and building a stronger future. Let us help you take that first step. What is Chapter 13 Bankruptcy? Chapter 13 bankruptcy offers individuals and families a lifeline when facing insurmountable debt. Unlike Chapter 7, which may require liquidating assets, Chapter 13 focuses on reorganization. It allows you to create a manageable repayment plan spanning three to five years, enabling you to catch up on missed payments for secured debts like mortgages or car loans while reducing or eliminating unsecured debts such as credit card balances and medical bills. For many, Chapter 13 is the ideal solution to keep their assets while tackling debt systematically. An added benefit? It halts creditor harassment, wage garnishments, foreclosures, and repossessions, providing immediate relief through an automatic stay. Why Choose Whitten & Whitten for Chapter 13 Bankruptcy? At Whitten & Whitten, our Chapter 13 bankruptcy attorneys in Munster pride themselves on taking a personalized approach to every case. We understand that no two financial situations are the same, so we dedicate time to truly getting to know... --- > When you're struggling, Whitten & Whitten's Chapter 7 bankruptcy lawyers in Hammond can help you find financial relief. Let us help you overcome this. - Published: 2025-02-25 - Modified: 2025-02-25 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyers-hammond/ Chapter 7 Bankruptcy Lawyers Hammond If you're overwhelmed by mounting debt and the constant threat of losing your home, you're not alone. The stress, fear, and uncertainty can feel unbearable, and it's understandable to believe there's no way out. At Whitten & Whitten, we understand the urgency of your situation—every moment counts when you're on the brink of financial collapse. For over 30 years, our experienced Chapter 7 bankruptcy lawyers in Hammond have been helping individuals and families like yours regain control of their lives. We're here to guide you through this difficult time and help you achieve the relief you desperately need before it's too late. Chapter 7 Bankruptcy: Providing the Relief You Need Chapter 7 bankruptcy, commonly called "liquidation bankruptcy," is one of the most effective options for individuals looking to eliminate unsecured debts like credit card balances, medical bills, and personal loans. This legal process involves selling nonexempt assets to pay creditors and then discharging remaining debts, giving you a clean financial slate. It's typically a much faster process than other bankruptcy options, taking three to four months to complete. Filing for Chapter 7 bankruptcy also creates an automatic stay, which stops most collection efforts immediately. From the moment you file, creditors can no longer hound you for payments, giving you much-needed relief. How Our Chapter 7 Bankruptcy Lawyers in Hammond Can Help Navigating the complexities of Chapter 7 bankruptcy can feel overwhelming without the right guidance and support. That's where we come in. At Whitten &... --- > Whitten & Whitten's Chesterton bankruptcy attorneys provide personalized support to help you understand your bankruptcy and get the relief you need. Choose us. - Published: 2025-02-25 - Modified: 2025-02-25 - URL: https://kmslawoffice.net/citystate/chesterton-bankruptcy-attorneys/ Chesterton Bankruptcy Attorneys Are you feeling overwhelmed and unsure about where to begin with filing for bankruptcy? At Whitten & Whitten, we understand the uncertainty and stress of making such an important decision. That's why our experienced Chesterton bankruptcy attorneys, who have been guiding individuals and families through this complex process for over 30 years, are here to help. You don't have to face this alone—peace of mind and a fresh financial start are just a call away. Looking at Your Options Bankruptcy is not a one-size-fits-all solution. Depending on your financial situation, Chapter 7 bankruptcy or Chapter 13 bankruptcy may be the right path for you. Chapter 7 helps eliminate unsecured debt, like credit card or medical bills, giving you a clean slate. Chapter 13 provides a manageable repayment plan, allowing you to keep assets like your home while spreading payments over 3–5 years. The right team of Chesterton bankruptcy attorneys will help you determine the best route for your unique circumstances. Breaking Down the Process Filing for bankruptcy involves several carefully structured steps to ensure a proper resolution of your financial situation. The process typically begins with pre-filing credit counseling, a prerequisite to evaluating alternatives and confirming bankruptcy is the right choice. Next, you will need to compile and submit comprehensive documentation of your financial records, including income, expenses, debts, and assets, to the court. Once filed, an automatic stay goes into effect, halting most collection activities from creditors. The court will then assign a trustee to review... --- > With guidance and support from Whitten & Whitten's Dyer bankruptcy lawyers, hope exists for a better financial future. Let us help you navigate your options. - Published: 2025-02-25 - Modified: 2025-02-25 - URL: https://kmslawoffice.net/citystate/dyer-bankruptcy-lawyers/ Dyer Bankruptcy Lawyers Feeling buried in debt can be devastating. The constant calls from creditors and the fear of losing your home or car can leave you feeling hopeless, like there's no way out. You might feel completely alone, like no one understands how impossible things have gotten. But you don't have to face this by yourself. At Whitten & Whitten, our Dyer bankruptcy lawyers offer real help when you need it most. We understand how overwhelming this feels, and we're here to guide you step by step toward a fresh start and a future you can believe in. There is hope - let us help you take back control. How Bankruptcy Can Change Your Life Filing for bankruptcy can change your life in several ways, including immediate relief from collections and long-term debt recovery. Imagine finally putting a stop to those relentless phone calls, protecting your paycheck from garnishment, or saving your family's home from foreclosure. Bankruptcy might also improve your credit over time, as settling your debts provides a clean slate for rebuilding responsibly. For Dyer residents, these tangible benefits provide financial relief and emotional peace of mind. With the right legal representation, you can halt foreclosures, end wage garnishments, and discharge unsecured debts like medical bills and credit card balances. These solutions allow you to move forward confidently and reclaim control of your finances and future. Why Choose Our Dyer Bankruptcy Lawyers? Whitten & Whitten is committed to providing top-tier legal support paired with compassionate client care.... --- > Whitten & Whitten's Chapter 13 bankruptcy attorneys in Schererville help you regain financial stability with tailored solutions. Contact us today! - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-schererville/ Chapter 13 Bankruptcy Attorneys Schererville Dealing with mounting debt can feel like an uphill battle with no end in sight. The fear of losing your home, car, or other valuable assets can leave you feeling helpless and stuck. It's a stressful situation that no one prepares for, but the important thing to know is that you have options. At Whitten & Whitten, our experienced Chapter 13 bankruptcy attorneys in Schererville have spent years guiding countless individuals like you through the Chapter 13 process, providing the legal experience and emotional support they need to take back control of their lives. Let us help you move forward. What Is Chapter 13 Bankruptcy? Many people refer to Chapter 13 bankruptcy as "reorganization" bankruptcy. Unlike Chapter 7 bankruptcy, which involves liquidating certain assets to pay back your debt, Chapter 13 lets you keep your property while creating a court-approved repayment plan. This plan typically lasts three to five years, giving you the opportunity to make manageable payments based on your current income and circumstances. It's a solution designed for individuals who have a steady source of income but are having a hard time keeping up with their financial obligations. Chapter 13 doesn't erase all debts instantly, but it provides breathing room to catch up on overdue payments and paves the way toward a more stable financial future. How Chapter 13 Can Protect Your Assets One of the biggest benefits of Chapter 13 is its ability to halt creditor actions through what's known as an... --- > Struggling with debt? Whitten & Whitten's Chapter 7 bankruptcy lawyers in Griffith thoroughly analyze your situation to find a path forward. - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyers-griffith/ Chapter 7 Bankruptcy Lawyers Griffith When debts pile up, and there seems to be no way out, it can weigh heavily on every aspect of your life. The stress of mounting bills, relentless creditor calls, and the uncertainty of the future can leave you feeling trapped and powerless. You may wonder if there's a way to move forward without losing everything you've worked so hard to achieve. At Whitten & Whitten, we know how overwhelming this time can be. Our dedicated Chapter 7 bankruptcy lawyers in Griffith are here to take the weight off your shoulders, guiding you through the process and helping you build a brighter financial future. What Is Chapter 7 Bankruptcy? Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," is designed for individuals facing insurmountable debt with limited income. Its purpose is simple yet powerful—wiping out unsecured debts like credit card balances, medical bills, and personal loans so you can begin anew with a clean slate. This process involves liquidating non-exempt assets to repay creditors, though many people are surprised to learn they may be able to keep most, if not all, of their essential property. Known as a no-asset bankruptcy in many cases, Chapter 7 provides the swift and effective relief many individuals need to regain control of their financial lives. How Chapter 7 Bankruptcy Can Help You Filing for Chapter 7 puts an immediate halt to creditor harassment through an automatic stay. This legal protection stops wage garnishments, lawsuits, repossessions, and collection calls while... --- > You don't have to let creditors take advantage of you. Whitten & Whitten's bankruptcy lawyers in Highland help you explore your options and find relief. - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyers-highland/ Bankruptcy Lawyers Highland Constant calls, threatening letters, and looming court actions—creditor harassment can quickly become unbearable when financial difficulties arise. For individuals and families already stretched thin by overwhelming debts, these relentless collection attempts add even more stress and anxiety to an already difficult situation. If you feel like you're drowning in debt and need the harassment to stop, Whitten & Whitten is the solution you're looking for. Our dedicated bankruptcy lawyers in Highland are here to help you understand your rights and guide you through the legal process so you can protect your peace of mind and focus on what matters most—your future. Bankruptcy as a Shield Against Creditor Harassment One of the most immediate benefits of filing for bankruptcy is the automatic stay. This legal protection takes effect as soon as you file your case, and it requires creditors to cease all collection activities. Bankruptcy isn't just about lowering debt; it's about regaining control of your life and ending the constant barrage of stress-inducing interactions with creditors. Here's how it can help: Stop Collection Calls: Once your bankruptcy case is filed, creditors must direct all communication through your attorney. Those nagging calls that interrupt your day stop immediately. Prevent Wage Garnishments: Many people struggle with reduced incomes due to wage garnishments by creditors. Bankruptcy can stop these collections and protect your hard-earned income. Halt Legal Actions: If a creditor has filed a lawsuit against you, the automatic stay pauses these proceedings, giving you time to assess your options... --- > Whitten & Whitten's bankruptcy attorneys in Cedar Lake help you protect assets, rebuild finances, and secure a stable financial future. - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-cedar-lake/ Bankruptcy Attorneys Cedar Lake Unexpected financial challenges can turn life upside down. Mounting debts, dwindling savings, and the fear of losing your home, car, or other essential assets can create a stressful and uncertain future. For many, this instability feels like a storm that won't pass, but it's crucial to remember—you don't have to face it alone. Bankruptcy provides a powerful legal solution for individuals and families struggling to regain financial stability. At Whitten & Whitten, our bankruptcy attorneys in Cedar Lake offer guidance and support throughout the bankruptcy process to help you protect what matters most while working toward a better financial future. What Bankruptcy Can Do for You At its core, bankruptcy is designed to help people in financial hardship find relief and take proactive steps toward a fresh start. It's not about failure; it's about recovery and progress. Bankruptcy can stabilize your finances and protect your assets by achieving several critical goals, including: Stopping Creditor Actions: Whether it's foreclosure on your home, repossession of your car, or wage garnishments, bankruptcy puts an immediate halt to these activities through the automatic stay provision. Consolidating and Managing Debt: Depending on the type of bankruptcy you file, you may eliminate debt altogether or create a repayment plan that works within your means. Protecting Essential Assets: State and federal laws offer exemptions that safeguard important property, such as your home, car, and personal items, from liquidation. Providing Peace of Mind: By taking steps toward resolving your financial difficulties, you can focus... --- > Escape debt and rediscover joy in your life with Whitten & Whitten. Our bankruptcy lawyers in Munster show you compassion when you need it most. Contact us now. - Published: 2024-12-10 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyers-munster/ Bankruptcy Lawyers Munster Are you drowning in debt and feeling like you'll never escape the weight of financial struggles? Life's challenges can feel overwhelming when debt limits your ability to enjoy life, plan for the future, or even meet daily needs. At Whitten & Whitten, we've spent the last 20 years helping our community members find relief and rebuild their financial freedom. When things feel hopeless, our bankruptcy lawyers in Munster are here to help you keep going. Why Addressing Debt Is Vital Debt doesn't just impact your bank account—it takes a toll on your mental health and well-being. Constant financial stress can lead to anxiety, depression, and even physical health issues. Filing for bankruptcy offers more than a financial reset—it provides peace of mind and hope for the future. It's a crucial step to reclaiming your life from debt's grip. The Whitten & Whitten Approach At Whitten & Whitten, we understand that filing for bankruptcy is a difficult and deeply personal decision. Life's circumstances are unpredictable, and whether it's due to medical bills, job loss, or unexpected emergencies, we know that bankruptcy doesn't reflect who you are. That's why our team provides kind, compassionate, and nonjudgmental support, no matter your financial situation. From the moment you contact us, you'll be met with empathy, respect, and a commitment to helping you move forward. Types of Bankruptcy We Handle Bankruptcy isn't one-size-fits-all, and we're here to guide you to the best solution for your circumstances. Chapter 7 Bankruptcy Also known as... --- > Explore your options for financial recovery with the Gary Chapter 7 bankruptcy attorneys at Whitten & Whitten. Call us now - it's time to secure a fresh start. - Published: 2024-12-10 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/citystate/gary-chapter-7-bankruptcy-attorneys/ Gary Chapter 7 Bankruptcy Attorneys Are you feeling overwhelmed by debt and unsure of your next step? We understand that facing financial difficulties can be confusing and stressful. At Whitten & Whitten, Gary's leading Chapter 7 bankruptcy attorneys, we have spent over 20 years helping our community members take control of their financial futures with effective bankruptcy solutions. We're here to provide the guidance and support you need to explore your options and decide if filing for Chapter 7 bankruptcy is right for you. Why Choose Whitten & Whitten? We aren't just bankruptcy attorneys—we're advocates for giving people the reset they deserve. At Whitten & Whitten, we recognize that financial troubles often stem from circumstances beyond your control. Our objective is not just to provide legal support but also to restore hope by paving your way to a fresh start. Whether you're navigating life after unexpected expenses, job loss, or other financial hardships, we're committed to helping you get back on track without the burden of more debt. What Is Chapter 7 Bankruptcy? Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," is a legal solution designed for individuals struggling to pay off debts. It allows eligible individuals to eliminate unsecured debts—like credit cards, medical bills, and personal loans—and move toward financial stability. With Chapter 7, you may be able to free yourself from collections and start anew, typically within 3–4 months of filing. Filing for Chapter 7 can also immediately stop collection calls, wage garnishments, and other creditor actions,... --- > When life feels overwhelming, regain control with the help of Whitten & Whitten's Chapter 13 bankruptcy lawyers in Crown Point. Contact us today. - Published: 2024-12-10 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/citystate/chapter-13-bankruptcy-lawyers-crown-point/ Chapter 13 Bankruptcy Lawyers Crown Point When you're struggling financially, it can feel like life is constantly slipping out of control despite your best efforts. You're not alone. At Whitten & Whitten, we can give you back the power you so desperately want. For over 20 years, our experienced team of Chapter 13 bankruptcy lawyers in Crown Point has helped individuals like you regain control, hold off creditors, and find financial relief. We're here to guide you every step of the way. What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy offers a chance to reorganize and manage your debts while protecting your assets. Unlike Chapter 7, which may involve liquidating assets, Chapter 13 allows for structured repayment plans that span 3–5 years. Here's why it might be a better option than Chapter 7 for you: Retain Assets: Keep essential property like your home or car. Stop Collections: Say goodbye to wage garnishments, repossessions, and creditor harassment. Lower Payments: Repay secured debts affordably, often with reduced interest rates. Discharge Unsecured Debt: Depending on income and assets, you may pay back only a fraction (or none) of your unsecured debts, such as credit card or medical bills. Chapter 13 is designed to place you back in control. And with Whitten & Whitten, you'll have a trusted guide for this complex but incredibly empowering process. Why Trust Our Chapter 13 Bankruptcy Lawyers in Crown Point? At Whitten & Whitten, our deep understanding of bankruptcy law sets us apart from other firms. With decades... --- > At Whitten & Whitten, our bankruptcy attorneys in Hammond help you confidently regain financial stability. You don't have to do this alone - contact us today. - Published: 2024-12-10 - Modified: 2024-12-20 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-hammond/ Bankruptcy Attorneys Hammond No one plans to declare bankruptcy. But if you're facing financial hardships, you don't have to face it alone. At Whitten & Whitten, we understand the stress and embarrassment that often accompanies bankruptcy decisions. Our team of bankruptcy attorneys in Hammond has helped thousands of individuals, just like you, regain control of their financial future. We'll provide the support and skills you need—without judgment—to guide you through this challenging time. Why You Need a Bankruptcy Attorney Attempting to go through bankruptcy without legal counsel often leads to costly mistakes that can significantly impact your financial future. Common errors include missing critical deadlines, incorrectly filing paperwork, or failing to correctly identify exemptions you may qualify for. These mistakes can result in losing assets that might have been protected or prolonging the bankruptcy process unnecessarily. Additionally, creditors might exploit your lack of experience and knowledge, potentially leading to unfair settlements or agreements. An experienced bankruptcy attorney provides invaluable guidance, ensuring that every step of the process is handled correctly and your rights are protected. Meet Our Caring Bankruptcy Attorneys in Hammond At Whitten & Whitten, we are not just a law firm—we are a compassionate team dedicated to helping individuals navigate the complexities of bankruptcy with grace and dignity. Driven by a deep passion for supporting those in financial distress, our experienced attorneys approach every case with empathy and understanding. We genuinely believe that financial hardships can happen to anyone, regardless of their fiscal acumen or circumstance. Our mission... --- > Whitten & Whitten’s foreclosure defense lawyers in South Bend offer empathetic and personalized support to protect your home. Call us now. - Published: 2024-11-17 - Modified: 2024-11-17 - URL: https://kmslawoffice.net/citystate/foreclosure-defense-lawyers-south-bend/ Foreclosure Defense Lawyers South Bend A house is more than just four walls and a roof. It's a place where you've celebrated birthdays, holidays, and milestones. It's where your children took their first steps and where memories were built. The prospect of losing your home to foreclosure is daunting, but you're not alone. Whitten & Whitten, a leading bankruptcy law firm, has been dedicated to helping families like yours protect their homes for over 20 years. Our foreclosure defense lawyers in South Bend will do everything in their power to help you keep your home. Understanding Foreclosure Before we dive into the details of foreclosure defense, it's important to understand what foreclosure is. Foreclosure is a legal process initiated by a lender when a borrower fails to make mortgage payments. The lender can then legally take possession of the property and sell it to recoup the money owed. This can happen for various reasons, such as job loss, divorce, or medical expenses. Whitten & Whitten: Compassionate Support When You Need It Most At Whitten & Whitten, we recognize the immense stress and emotional burden that facing foreclosure can bring. We approach each case with empathy and understanding, fully aware that many individuals find themselves in financial difficulties due to circumstances beyond their control, such as unforeseen medical bills or unexpected life tragedies. Our dedicated team of bankruptcy attorneys is committed to standing by your side, offering compassionate support while navigating the complexities of bankruptcy law. We strive to provide more... --- > Facing financial struggles? Call Whitten & Whitten. Our bankruptcy attorney in La Porte can turn bankruptcy into a fresh start for a stronger, debt-free life. - Published: 2024-11-17 - Modified: 2024-11-17 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-la-porte/ Bankruptcy Attorney La Porte The thought of filing for bankruptcy can be terrifying, often accompanied by fears of losing your possessions or irreparably harming your financial future. At Whitten & Whitten, we have dedicated over 20 years to assisting individuals burdened by debt who share these same concerns, helping them achieve clarity in their situations. Our experienced bankruptcy attorney in La Porte is committed to guiding you through this challenging process with empathy, empowering you to emerge stronger and more financially secure. Debunking Bankruptcy Myths Many people mistakenly believe that bankruptcy strips them of everything and permanently ruins their credit. However, this misconception overlooks the nuances of bankruptcy law. With the right legal guidance, you can often retain significant assets, such as your home and vehicle, depending on your situation and the type of bankruptcy filed. Although it’s true that your credit score may take an initial hit after filing, it's important to know that rebuilding your credit is not only possible but can happen relatively quickly. In fact, filing for bankruptcy can actually improve your chances of obtaining future credit. At Whitten & Whitten, we can help you set a strong foundation for financial recovery and growth. Why Choose Our Bankruptcy Attorney in La Porte? Whitten & Whitten was founded with a clear mission: to provide compassionate, professional guidance to those facing financial hardships, helping them come to see bankruptcy not as an end, but as a new beginning. Over time, we have developed a deep understanding of the... --- > If you feel trapped by debt, our Chapter 7 bankruptcy attorneys in Valparaiso can offer you a path to hope. Reach out to Whitten & Whitten today. - Published: 2024-11-17 - Modified: 2024-11-17 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-attorneys-valparaiso/ Chapter 7 Bankruptcy Attorneys Valparaiso Staring into the abyss of mounting debt can feel like there's no escape. The weight of financial distress is all-consuming, and the road to recovery seems distant. In these times, it's easy to feel overwhelmed and unsure of what steps to take. But at Whitten & Whitten, our Chapter 7 bankruptcy attorneys in Valparaiso are here to reassure you that hope is very much alive. With over 20 years of experience, we have helped countless individuals reclaim their financial independence, and we're ready to assist you, too. About Our Chapter 7 Bankruptcy Attorneys in Valparaiso At Whitten & Whitten, we believe that you are more than your financial situation. Our team is dedicated to treating every client with the respect and understanding they deserve. You won't find judgment here—only support and encouragement as you work to rebuild your life. We are committed to empowering you with dignity and care, ensuring you leave our office ready to face the future confidently. How Chapter 7 Bankruptcy Works Chapter 7 bankruptcy is a liquidation process, where assets are sold to pay off creditors. Unlike Chapter 13 bankruptcy, which involves creating a repayment plan, Chapter 7 bankruptcy allows for a fresh start by wiping out most debts entirely. Here's how it works: Eligibility: To file for Chapter 7 bankruptcy, you must pass the means test, which looks at your income and expenses to determine if you qualify. Filing: Your attorney will help you gather and file all necessary documents... --- > When you feel there's no way forward, find hope with a bankruptcy lawyer in Hobart. Contact Whitten & Whitten now to reclaim your life! - Published: 2024-11-17 - Modified: 2024-11-17 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyer-hobart/ Bankruptcy Lawyer Hobart Confronting overwhelming debt can feel suffocating, and the weight of financial strain often brings an excruciating blend of stress and deep shame. It's easy to believe you're a lost cause. However, it's important to remember you're not alone in this struggle, even when it feels like there's no way out. At Whitten & Whitten, we understand that bankruptcy isn't a sign of failure but a courageous step towards reclaiming your financial health. For over 20 years, our compassionate bankruptcy lawyer in Hobart has guided thousands of debt-ridden individuals on their path to recovery. We can do the same for you. Why Filing for Bankruptcy Is a Positive Step Bankruptcy is often misunderstood, yet it can be a turning point for individuals facing financial hardship. By filing for bankruptcy, you can protect your assets, stop creditor harassment, and create a solid foundation for a debt-free future. It's a strategic move that allows you to settle your debts systematically, providing a clear path forward when circumstances feel beyond control. Meet Whitten & Whitten – Your Knowledgeable Bankruptcy Lawyer in Hobart At Whitten & Whitten, we recognize that many individuals struggle with feelings of shame and believe that their financial difficulties are insurmountable. However, no amount of debt is beyond our reach. We have successfully supported countless individuals facing various challenges, from wage garnishments and foreclosures to evictions. Whether you are dealing with years of medical debt or simply falling behind on your bills, our dedicated team is here to... --- > If you're looking for Chapter 7 bankruptcy lawyers in LaPorte County who can reduce the impact of your filing, Whitten & Whitten is here to help. Call us now. - Published: 2024-10-23 - Modified: 2024-10-23 - URL: https://kmslawoffice.net/citystate/laporte-county-chapter-7-bankruptcy-lawyers/ LaPorte County Chapter 7 Bankruptcy Lawyers If you're feeling overwhelmed by financial difficulties but nervous to go through with bankruptcy, you're not alone. Feeling scared about the potential impact filing can have on every aspect of your life is natural. At Whitten & Whitten, we understand the fear and uncertainty that come with this decision. For over 30 years, we've been here for community members just like you, helping them navigate the path to debt relief. Our trusted team of Chapter 7 bankruptcy lawyers in LaPorte County is ready to guide you through this challenging time, offering support and a chance for a fresh start. You deserve to feel hopeful again. Understanding Chapter 7 Bankruptcy Filing for Chapter 7 bankruptcy can have a profound and lasting impact on various aspects of your life. This process involves liquidating nonexempt assets, which means that any valuable property or assets not protected under bankruptcy exemptions may be sold off to repay your creditors. This can lead to the loss of belongings that hold both financial and sentimental value, creating emotional distress and uncertainty. Additionally, Chapter 7 bankruptcy can significantly affect your credit score, often resulting in a drop that makes it challenging to secure future loans, mortgages, or even rental agreements. However, it's important to know that with the guidance of a skilled attorney proficient in bankruptcy law, you can navigate this complex process more effectively and minimize the impact on your life. Meet Our LaPorte County Chapter 7 Bankruptcy Lawyers Whitten &... --- > Discover financial relief with a trusted LaPorte County Chapter 13 attorney, offering guidance to reclaim your financial future. Call Whitten & Whitten today. - Published: 2024-10-23 - Modified: 2024-10-23 - URL: https://kmslawoffice.net/citystate/laporte-county-chapter-13-attorney/ LaPorte County Chapter 13 Attorney Are financial worries keeping you up at night? Are creditors harassing you and keeping you on edge? You're not alone. Many people face mounting debts and feel trapped. But there's hope. At Whitten & Whitten, we understand your concerns and have been helping residents of LaPorte County find the financial relief they need without losing their hard-earned possessions for over 30 years. If you're searching for a better solution, trust our Chapter 13 attorney in LaPorte County to guide you through this trying time. How Chapter 13 Bankruptcy Works Chapter 13 bankruptcy offers a way to reorganize your debts without liquidating your assets. This process allows you to keep your home, vehicle, and other valuable possessions while working with a bankruptcy trustee to develop a manageable repayment plan. Over three to five years, you'll make payments based on your income and debt obligations, eventually regaining control of your financial future. Why Let Our LaPorte County Chapter 13 Attorney Help You? Whitten & Whitten is a trusted name in bankruptcy law, proudly serving individuals and families like you for over three decades. Our extensive experience in the field has equipped us with the knowledge and skills to navigate the complexities of bankruptcy and financial distress. We believe in empowering our clients by offering tailored advice that meets their unique situations and delivering results that reflect our commitment to your well-being. We understand that financial struggles can happen to anyone, regardless of their circumstances, and we are... --- > Choose Whitten & Whitten's experienced Lake County bankruptcy attorneys for compassionate guidance. Start your journey to financial freedom today. - Published: 2024-10-23 - Modified: 2024-10-23 - URL: https://kmslawoffice.net/citystate/lake-county-bankruptcy-attorneys/ Lake County Bankruptcy Attorneys Deciding to file for bankruptcy can be an incredibly daunting and isolating experience, leaving you feeling overwhelmed with shame and embarrassment. At Whitten & Whitten, we understand what you're going through. Our compassionate Lake County bankruptcy attorneys are here to support you through this difficult time, treating you with the dignity and respect you deserve. With over 30 years of experience, we've helped countless individuals just like you reclaim their lives, and we're ready to support you, too. Bankruptcy Is a New Beginning, Not the End Many people feel embarrassed about considering bankruptcy, but it's crucial to recognize that it's not a sign of failure—instead, it's a strategic tool that many successful individuals have employed to regain financial control. Here are a few reasons why bankruptcy should not be a source of shame: A Fresh Start: Bankruptcy offers individuals a chance to reset their financial situation. It allows them to discharge debts that may be overwhelming, providing an opportunity for a clean slate. This fresh start can be the foundation for rebuilding a more secure financial future. Common Experience: Bankruptcy is more common than many realize. Economic downturns, unexpected medical expenses, or job loss can affect anyone, regardless of their financial acumen. Understanding that many people face similar challenges can help reduce the stigma associated with it. Legal Protection: Filing for bankruptcy provides legal protection from creditors, allowing individuals the time they need to focus on their financial recovery without the constant pressure of debt collectors.... --- > Navigate financial recovery with Merrillville Chapter 13 attorneys at Whitten & Whitten. Call us now for insightful guidance towards a stable financial future. - Published: 2024-10-23 - Modified: 2025-04-17 - URL: https://kmslawoffice.net/citystate/merrillville-chapter-13-attorneys/ Merrillville Chapter 13 Attorneys Considering bankruptcy is never an easy decision, but it can be a crucial step toward reclaiming control of your financial future. At Whitten & Whitten, we recognize the gravity of this choice and are dedicated to supporting you as you strive to improve your financial habits and avert future difficulties. With over 30 years of experience, our leading bankruptcy law firm has assisted countless individuals in navigating the complexities of filing for bankruptcy while enhancing their financial literacy. Our Chapter 13 attorneys in Merrillville are prepared to be the dedicated partners you need, guiding you efficiently on your journey to financial recovery and stability. Why Choose Chapter 13 Bankruptcy? Chapter 13 bankruptcy is a strategic option for individuals seeking to regain financial literacy while avoiding the liquidation of their assets. Unlike Chapter 7 bankruptcy, which involves selling off assets to repay creditors, Chapter 13 allows debtors to retain ownership of their most valuable possessions. Upon filing for Chapter 13, you establish a structured repayment plan, typically extending over three to five years, wherein you budget and settle your debts in manageable monthly installments. This process not only provides the necessary time to stabilize your financial situation but also fosters sound financial habits and discipline. By adhering to this repayment plan, you not only work toward becoming debt-free but also build a foundation for future financial well-being, all under the protection of an automatic court stay that shields you from creditor harassment. Whitten & Whitten: A Partner... --- > Discover premier guidance from a Valparaiso Chapter 13 attorney at Whitten & Whitten. Contact us today to take control of your financial future! - Published: 2024-10-05 - Modified: 2024-10-05 - URL: https://kmslawoffice.net/citystate/valparaiso-chapter-13-attorney/ Valparaiso Chapter 13 Attorney Are you facing financial difficulties and feeling overwhelmed by your situation? Whitten & Whitten, a premier bankruptcy law firm, is here to guide you through this challenging time. Our experienced Valparaiso Chapter 13 attorney understands the emotional and financial toll such struggles can take on individuals and families. We are dedicated to providing personalized support and legal advice to help you navigate your options. With our team, you can put a stop to creditors and take the first steps toward a fresh start. Let us help you find the relief and stability you deserve. Everything You Need to Understand About Chapter 13 Bankruptcy Chapter 13 bankruptcy, or a "wage earner's plan," gives individuals with a steady income the opportunity to create a repayment plan to catch up on their debts over time. This option is often chosen by those who have a reliable income but are struggling to keep up with their debt payments. One of the best perks of Chapter 13 is that it allows you to keep your assets while still addressing your financial difficulties. This can be particularly beneficial for homeowners who may face foreclosure if they file for Chapter 7 bankruptcy. Additionally, Chapter 13 can help protect co-signers from being pursued by creditors. However, filing for Chapter 13 requires careful consideration and planning. That's where Whitten & Whitten comes in. How Our Valparaiso Chapter 13 Attorney Approaches Bankruptcy At Whitten & Whitten, we firmly believe that every individual's financial struggles are unique... --- > If you're searching for "foreclosure defense lawyers near me," Whitten & Whitten has you covered. Contact us today to protect your home. - Published: 2024-10-05 - Modified: 2024-10-05 - URL: https://kmslawoffice.net/citystate/foreclosure-defense-lawyers-near-me/ Foreclosure Defense Lawyers Near Me Are you desperately searching for "foreclosure defense lawyers near me" in the hopes of keeping your home? If so, you're not alone—many homeowners find themselves in this challenging situation. The stress of potential foreclosure can be overwhelming, but having the right legal support can make all the difference. At Whitten & Whitten, we understand the complexities of foreclosure law and are dedicated to helping you navigate this difficult process. Our experienced team is committed to fighting for your rights and finding the best possible solutions to protect your home and future. Let us help you take the first step toward securing your family's stability and peace of mind. How Bankruptcy Can Help You Keep Your House Understanding your legal options is crucial if you're facing the threat of foreclosure. One powerful tool at your disposal is filing for bankruptcy. Specifically, Chapter 13 bankruptcy can halt foreclosure proceedings and give you the breathing room you need to reorganize your finances. Prevent Foreclosure: Filing for Chapter 13 bankruptcy can halt foreclosure proceedings and give you a chance to catch up on mortgage payments you've missed. Repayment Plan: The arrears on your mortgage are repaid through a court-approved debt-repayment plan, meaning you can keep your home while making more manageable payments. Modify Your Mortgage: In some cases, you may be able to modify the terms of your mortgage, potentially lowering your monthly payments. Let Us Be Your Go-To “Foreclosure Defense Lawyers Near Me” Whitten & Whitten is a... --- > A Chapter 7 bankruptcy lawyer in Michigan City can help you regain control over your financial future. Contact Whitten & Whitten today to get started. - Published: 2024-10-05 - Modified: 2024-10-05 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyer-michigan-city/ Chapter 7 Bankruptcy Lawyer Michigan City If you're seeking a reliable solution to relieve the stress of creditors and enhance your financial well-being, look no further than Whitten & Whitten. With our unparalleled guidance, you can embark on a journey toward a fresh start. Our experienced Chapter 7 bankruptcy lawyer in Michigan City is dedicated to helping you regain control of your finances. We understand that financial challenges can be overwhelming, but with our assistance, you can navigate your way to a debt-free future. Let us support you in taking the first steps toward a more secure and prosperous financial life. Benefits of Chapter 7 Bankruptcy Debt Discharge: One of the most significant benefits of filing for bankruptcy is the ability to eliminate most unsecured debts. This includes burdensome credit card debt and overwhelming medical bills, allowing individuals to regain control of their financial situation and start fresh. Immediate Relief: Upon filing for bankruptcy, an automatic stay is put in place, which serves as a powerful protection for the debtor. This provision halts all collection activities and prevents creditor harassment immediately, giving individuals much-needed peace of mind during a challenging time. Quick Process: The bankruptcy process can often be completed in as little as three to four months. This expedited timeline offers a faster path to financial recovery, enabling individuals to move forward and rebuild their financial lives with renewed hope and stability. Why Choose Our Chapter 7 Bankruptcy Lawyer in Michigan City? At Whitten & Whitten, we recognize that... --- > Our Michigan City Chapter 13 attorney at Whitten & Whitten leads you through bankruptcy with tact and compassion. Contact us today for a fresh start. - Published: 2024-10-05 - Modified: 2024-10-05 - URL: https://kmslawoffice.net/citystate/michigan-city-chapter-13-attorney/ Michigan City Chapter 13 Attorney Facing bankruptcy can feel like an insurmountable challenge, leaving individuals overwhelmed, guilty, and unsure of their next steps. However, it's important to remember that you don't have to navigate this difficult journey alone. At Whitten & Whitten, our experienced Michigan City Chapter 13 attorney is dedicated to providing you with the reliable guidance and compassionate support you need during this trying time. Let us stand by your side as you take this important step toward a fresh start. What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy is a legal process that allows individuals to reorganize their debt into a manageable repayment plan over three to five years. Unlike Chapter 7 bankruptcy, which involves liquidating nonexempt assets, Chapter 13 focuses on helping you keep your property while catching up on overdue payments. This can include stopping foreclosures, repossessions, and wage garnishments, giving you the time and structure needed to regain financial stability. Is Chapter 13 Right for You? Chapter 13 might be the right option if: You're facing foreclosure and want to keep your home. You need to stop repossession of your vehicle. Your wages are being garnished. You have a steady income but need a structured plan to repay your debts. Why Choose Our Michigan City Chapter 13 Attorney? Experienced Legal Team With over 50 years of combined experience, our team has a thorough understanding of bankruptcy law and the complexities surrounding it. We have helped countless individuals and families find relief from overwhelming debt... --- > Experience compassionate support from trusted bankruptcy attorneys in Griffith. Contact Whitten & Whitten now to begin your journey towards financial freedom. - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-griffith/ Bankruptcy Attorneys Griffith Are you struggling with financial distress? You're not alone, and it's important to know that help is available. At Whitten & Whitten, we understand the various challenges that come with financial difficulties, whether it's mounting debts, overwhelming bills, or the stress of potential foreclosure. Our team of experienced bankruptcy attorneys in Griffith is dedicated to providing you with a compassionate and professional approach tailored to your unique situation. With our support, you can regain control of your finances and work towards a brighter, more secure future. A Different Sort of Bankruptcy Whitten & Whitten was founded by Kevin M. Schmidt, a visionary attorney who recognized that some of the most successful individuals in history have navigated the challenging waters of bankruptcy and emerged stronger. Inspired by this reality, Mr. Schmidt aimed to create a practice that extends compassion and understanding to those facing financial hardships, ensuring they do not feel alone in their struggles. At Whitten & Whitten, we believe bankruptcy is not the end but rather a step toward a fresh start. Today, we don't just provide legal assistance; we offer hope and a clear pathway toward financial recovery. Our dedicated team works closely with clients, taking the time to understand their unique situations and crafting personalized strategies that empower them to reclaim control over their lives. We are committed to helping individuals build a brighter future, free from the burdens of their past financial challenges, and we take pride in being a supportive ally throughout... --- > Discover relief from financial hardship with our Chapter 7 lawyer in South Bend. Contact Whitten & Whitten today to reclaim your future! - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://kmslawoffice.net/citystate/chapter-7-lawyer-south-bend/ Chapter 7 Lawyer South Bend In today's challenging economic landscape, many individuals find themselves grappling with financial hardship, unable to meet their monthly obligations and struggling to make ends meet. If you're feeling overwhelmed and unsure of your options, rest assured that you are not alone. At Whitten & Whitten, we take pride in guiding clients through their financial difficulties with compassion and professionalism. Our Chapter 7 lawyer in South Bend possesses a deep understanding of the laws and processes that can help people like you regain stability. What Is Chapter 7 Bankruptcy? Also known as "liquidation bankruptcy" or "straight bankruptcy," Chapter 7 bankruptcy involves liquidating nonexempt assets to repay creditors. This process usually takes as little as three to four months and results in a discharge of most debts, allowing you to move forward without the burden of overwhelming financial obligations. Why Let Our Chapter 7 Lawyer in South Bend Help You? At Whitten & Whitten, our commitment to our clients goes beyond the legal realm; we genuinely care about your well-being and future. Our compassionate and supportive team understands the emotional toll financial difficulties can take on individuals and families. We strive to create an environment where you feel understood, respected, and empowered. Our motivation is not driven by financial gain but rather by a profound desire to see you reclaim your life and achieve success. We firmly believe that your financial situation does not define your worth, and we are dedicated to demonstrating that through actionable support... --- > Experience the care of a dedicated bankruptcy lawyer in LaPorte County at Whitten & Whitten. Reach out now and reclaim your financial independence! - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyer-laporte-county/ Bankruptcy Lawyer LaPorte County Filing for bankruptcy is a significant step that often comes with a whirlwind of emotions, including fear, sadness, and even guilt. It's normal to feel overwhelmed as you navigate this challenging decision, but it's crucial to remember that this choice does not define your worth or future. At Whitten & Whitten, our dedicated bankruptcy lawyer in LaPorte County is here to support and guide you through the bankruptcy process with compassion, experience, and understanding. What Bankruptcy Isn't Many individuals mistakenly believe that filing for bankruptcy is akin to admitting defeat or resigning themselves to a life of perpetual financial struggle. This mindset can perpetuate feelings of shame and hopelessness, making the decision to pursue bankruptcy even more daunting. However, the reality is quite the opposite—numerous people experience a transformational journey following bankruptcy. Rather than a terminal setback, bankruptcy can serve as a fresh start, allowing individuals to rebuild their finances, improve their credit scores, and ultimately achieve financial stability. Whitten & Whitten: A Kinder Bankruptcy Lawyer in LaPorte County Navigating the challenging process of bankruptcy can be overwhelming, and it's crucial to have a lawyer who not only understands the legal intricacies but also offers genuine support. Unfortunately, not all bankruptcy lawyers provide the empathetic and comprehensive guidance you deserve; some may focus solely on the procedural aspects, leaving you feeling isolated during an already difficult time. At Whitten & Whitten, we know that you are more than just a person who can't pay their bills—you... --- > Find supportive bankruptcy attorneys in Michigan City at Whitten & Whitten. Get the help you need for a fresh financial start—contact us today! - Published: 2024-08-26 - Modified: 2024-08-26 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-michigan-city/ Bankruptcy Attorneys Michigan City When faced with financial difficulties, it's crucial to have a reliable partner guiding you through the complexities of bankruptcy. At Whitten & Whitten, we pride ourselves on being the premier bankruptcy attorneys in Michigan City. Our experienced team is dedicated to offering comprehensive legal advice and personalized support tailored to your unique situation. We take the time to understand your needs and goals, empowering you with knowledge and strategies to help you regain control of your financial future. With us by your side, you can confidently approach this challenging chapter and hope for a brighter tomorrow. Don't Try to Go It Alone Navigating the bankruptcy process can be daunting and fraught with complexities, which is why attempting to file on your own can lead to significant pitfalls. Without a dedicated legal representative by your side, you may not fully understand the various options available, potentially resulting in the selection of a bankruptcy type that does not serve your best interests. Moreover, the intricate nature of bankruptcy paperwork means that errors in filing can easily occur, which may lead to the unfortunate dismissal of your case altogether. Enlisting the help of an experienced bankruptcy attorney ensures that you receive the guidance necessary to make informed decisions and correctly complete all required forms, providing you with the best chance for a successful outcome. Why Choose Our Bankruptcy Attorneys in Michigan City? Unparalleled Experience At Whitten & Whitten, our team is dedicated to helping individuals and businesses overcome financial... --- > Struggling with debt? Our Valparaiso bankruptcy attorneys at Whitten & Whitten offer invaluable guidance and support. Contact us today! - Published: 2024-08-03 - Modified: 2024-08-03 - URL: https://kmslawoffice.net/citystate/valparaiso-bankruptcy-attorneys/ Valparaiso Bankruptcy Attorneys When you're struggling financially, the last thing most people want to think about is filing for bankruptcy. Questions about the impact on your credit score, reputation, and future employment opportunities often loom large, adding to the stress. At Whitten & Whitten, we understand your trepidation, but bankruptcy can be a positive step to rebuild your life, not tear it down. Choose to work with us, and our Valparaiso bankruptcy attorneys can provide the insight and support you need to make informed decisions about your financial future. What Is Bankruptcy? Bankruptcy is a legal process that was created to help people eliminate or repay their debts under the protection of the bankruptcy court. While it may seem like a last resort, it can be a strategic move to take back control of your finances and start fresh. In fact, filing for bankruptcy offers you many benefits, including: Debt Relief: Dischargeable debts, including medical bills, credit card bills, personal loans, and deficiencies from repossessed vehicles or foreclosed homes, can be eliminated. This can significantly reduce your financial burden and help you start fresh. Stop Collection Activity: Filing for bankruptcy can halt collection efforts, including phone calls, letters, and lawsuits from creditors, giving you peace of mind and allowing you to focus on your recovery without constant harassment. Financial Reset: Bankruptcy allows you to rebuild your credit and establish a more financially responsible lifestyle. With proper planning and budgeting, you can use this fresh start to improve your financial habits... --- > Whitten & Whitten's bankruptcy lawyers in South Bend offer unparalleled legal guidance. Contact us today to schedule your consultation and take your life back. - Published: 2024-08-03 - Modified: 2024-08-03 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyers-south-bend/ Bankruptcy Lawyers South Bend Facing bankruptcy is never easy. But it can be essential to getting your financial life back on track. Whether you're dealing with overwhelming debt, potential foreclosure, or wage garnishments, understanding bankruptcy can provide the relief you need. At Whitten & Whitten, we recognize that the decision to file for bankruptcy is deeply personal and often fraught with emotion. Our mission is to help you make an informed choice based on your financial circumstances, not fear or shame. Our bankruptcy lawyers in South Bend are here to provide the support and experience you need to regain control of your finances. Don't Be Afraid of Bankruptcy Bankruptcy is not something to be feared, nor is it a reason to incur more debt to avoid it. Instead, it is a legal process designed to help individuals regain their footing when their financial situation becomes unmanageable. Filing for bankruptcy can significantly reduce stress as it halts relentless calls and letters from debt collectors. Additionally, by addressing overwhelming debt, you can alleviate the strain that financial troubles may place on personal relationships, allowing you to focus on rebuilding trust and connection with your loved ones. Furthermore, bankruptcy provides a fresh start, enabling you to rebuild your credit score with responsible financial management over time. Contrary to common misconceptions, you can also retain certain essential assets, such as your home and car, which allows you to maintain a semblance of stability while you work towards financial recovery. Why Choose Whitten & Whitten?... --- > Overwhelmed by debt? Contact Whitten & Whitten for guidance from our Chapter 7 attorney in Lafayette. Start your journey to financial freedom today! - Published: 2024-08-03 - Modified: 2024-08-03 - URL: https://kmslawoffice.net/citystate/chapter-7-attorney-lafayette/ Chapter 7 Attorney Lafayette Are you struggling with overwhelming debt? Do you feel like there's no way out? Chapter 7 bankruptcy could be the lifeline you need. At Whitten & Whitten, our Chapter 7 attorney in Lafayette is honored to help individuals regain control over their finances and move toward a brighter future. Take the first step towards financial freedom, and let us help you navigate this challenging time with confidence and peace of mind. Deep Diving into Chapter 7 Bankruptcy Chapter 7 bankruptcy, often called "liquidation bankruptcy," is designed for individuals facing insurmountable personal debt. It's a straightforward process that typically takes three to four months. Unlike other forms of bankruptcy, Chapter 7 involves selling or liquidating nonexempt assets to pay off creditors. With a skilled attorney by your side, the process is fairly simple. Here's a glimpse into what you can expect when you choose to file for Chapter 7: Means Test: Qualify based on your income. If it's below the state median, you pass automatically. If it's higher, you must demonstrate insufficient disposable income. Automatic Stay: Once you file, creditors must stop all collection attempts. 341 Meeting: A meeting with your creditors and trustee to discuss your financial situation. Debt Discharge: After liquidating nonexempt assets, eligible debts are discharged, allowing you to start fresh. When Is Chapter 7 Bankruptcy Beneficial? While Chapter 7 bankruptcy can offer significant relief, it isn't suitable for everyone and every financial situation. This form of bankruptcy is particularly beneficial for those with... --- > Our South Bend bankruptcy attorney at Whitten & Whitten helps you regain financial control. Schedule your consultation today and embrace a brighter future. - Published: 2024-08-03 - Modified: 2024-08-03 - URL: https://kmslawoffice.net/citystate/south-bend-bankruptcy-attorney/ South Bend Bankruptcy Attorney Many people struggle with the idea of bankruptcy, but the truth is it can help you regain control over your finances and pave the way for a more stable future. Our South Bend bankruptcy attorney at Whitten & Whitten is here to guide you through this challenging process and help you understand how bankruptcy can be a positive step toward financial freedom. When you choose to work with us, you embrace a better financial future. Meet Whitten & Whitten Who We Are Whitten & Whitten is a team of experienced bankruptcy attorneys dedicated to helping individuals and families in South Bend achieve financial stability. Led by Dan L. Whitten and Stacey E. Whitten, our firm focuses exclusively on bankruptcy law, ensuring we have the experience and knowledge to handle even the most complex cases. Why We Focus on Bankruptcy We chose to practice bankruptcy because we understand the profound impact financial distress can have on your life, affecting everything from your mental well-being to your relationships and future opportunities. Our mission is to provide compassionate, knowledgeable legal support to those facing overwhelming debt, guiding you through each step of the bankruptcy process with care and skill. We won't stop until you regain control of your financial situation and secure a brighter, more stable future. Helping You Explore Your Options Before considering bankruptcy, you must understand your options and weigh the pros and cons. Our experienced attorney will meet with you and discuss your unique financial situation.... --- > Our empathetic Michigan City bankruptcy lawyer offers personalized legal assistance to help you achieve financial freedom. Call Whitten & Whitten today. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://kmslawoffice.net/citystate/michigan-city-bankruptcy-lawyer/ Michigan City Bankruptcy Lawyer Imagine every time the phone rings, you wince. You're afraid it might be another creditor calling, demanding payment for debts you can't afford to pay. Or maybe you dread opening your mailbox, knowing there will be more bills and notices of missed payments waiting for you. This is the reality for many people facing overwhelming debt. During these difficult times, it's important to remember that you're not alone. At Whitten & Whitten, our experienced Michigan City bankruptcy lawyer is here to help you regain control of your financial future. Whether you're dealing with mounting debt, foreclosure, or wage garnishments, we provide comprehensive legal assistance to guide you through bankruptcy. Bankruptcy: A Fresh Start with Whitten & Whitten Bankruptcy is not a failure. It's an opportunity for a fresh start. At Whitten & Whitten, we aim to help you understand your options and guide you towards the best financial solution. We know that bankruptcy can feel overwhelming and intimidating, but with our support, we will ensure you have all the information you need to make informed decisions about your future. Types of Bankruptcy Under federal law, several types of bankruptcy are available, each with its own benefits and eligibility requirements. Chapter 7 bankruptcy involves liquidating assets to pay off debts, while Chapter 13 allows for a repayment plan over three to five years. Chapter 11 is for businesses and individuals with high debt amounts, and Chapter 12 is for family farmers and fishermen. Our team can help... --- > Our experienced Northwest Indiana bankruptcy attorneys at Whitten & Whitten help you navigate bankruptcy confidently. Call now to start your financial recovery. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://kmslawoffice.net/citystate/northwest-indiana-bankruptcy-attorneys/ Northwest Indiana Bankruptcy Attorneys Are you overwhelmed by debt? Facing repossession or foreclosure? You're not alone. Bankruptcy can be daunting, but with the proper support, it can also be a pathway to financial freedom. At Whitten & Whitten, our experienced Northwest Indiana bankruptcy attorneys are here to guide you every step of the way. Why Choose Us Our team is devoted to offering empathetic and tailored representation for our clients. We recognize the anxiety and unpredictability that accompany financial difficulties, and we are determined to discover the optimal solution for your unique circumstances. Our attorneys possess extensive knowledge of bankruptcy law and are adept at managing even the most intricate cases. With over 30 years of combined experience, we have successfully helped countless individuals and businesses find relief from overwhelming debt. We take the time to listen to our clients' concerns and tailor our approach to meet their specific needs. Our goal is not just to help you through this difficult time but also to set you up for long-term financial stability. Our Bankruptcy Services We offer many bankruptcy services tailored to fit the needs of our clients, including: Chapter 7 Bankruptcy: This option allows individuals and businesses to get relief from certain debts, such as credit card debt and medical bills. Chapter 13 Bankruptcy: This option is often called a "restructuring bankruptcy" and allows individuals with a steady income to create a manageable repayment plan for their debts. Business Bankruptcy: Our attorneys have extensive experience helping businesses navigate bankruptcy... --- > Discover if Chapter 13 bankruptcy is right for you with insight from the Lafayette Chapter 13 bankruptcy attorneys at Whitten & Whitten. Contact us today. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://kmslawoffice.net/citystate/lafayette-chapter-13-bankruptcy-attorneys/ Lafayette Chapter 13 Bankruptcy Attorneys With so many different types of bankruptcy to choose from, it can be difficult to determine which one is right for you. This is where the skill of a bankruptcy attorney comes in. At Whitten & Whitten, our Lafayette Chapter 13 bankruptcy attorneys are dedicated to helping individuals and families achieve financial stability through bankruptcy. How Chapter 13 Bankruptcy Works Keep Control of Your Assets Under Chapter 13 bankruptcy, you retain control of your assets while repaying your debts over a three to five-year period. This means no trustee will sell your assets, and you can continue running your business. Flexible Repayment Plans Repayment to creditors can be tailored to your financial situation. Sometimes, repayment can be minimal or even zero for unsecured creditors like credit card companies. Your repayment plan can also be modified if your income changes. Protection from Creditors Chapter 13 bankruptcy offers protection from foreclosure, repossession, and wage garnishment. This allows you to cure mortgage defaults over time, request loan modifications, and avoid immediate financial repercussions. Determining if Chapter 13 Is Right for You Deciding if Chapter 13 bankruptcy is the right choice for your financial situation can be complex. Consulting with a bankruptcy attorney is the most effective way to make this determination, as they possess extensive knowledge and experience in navigating bankruptcy laws and procedures. An experienced attorney can thoroughly assess your financial situation, explain the benefits and implications of Chapter 13, and help you craft a feasible repayment... --- > Explore the passion of our South Bend Chapter 7 bankruptcy lawyers at Whitten & Whitten. Contact us today to regain financial stability and get your life back. - Published: 2024-07-03 - Modified: 2024-07-03 - URL: https://kmslawoffice.net/citystate/south-bend-chapter-7-bankruptcy-lawyers/ South Bend Chapter 7 Bankruptcy Lawyers Choosing to file for bankruptcy is tough, but selecting a legal professional to assist shouldn't be. At Whitten & Whitten, our seasoned team of South Bend Chapter 7 bankruptcy lawyers boasts over two decades of experience guiding individuals and businesses through the intricate maze of bankruptcy law. We recognize the stress and uncertainty tied to financial struggles, and we're committed to offering empathetic and proficient legal support to our clients. Understanding Chapter 7 Bankruptcy Chapter 7 bankruptcy provides hope for financial freedom by allowing individuals or businesses to wipe out most unsecured debts, like credit card balances, medical expenses, personal loans, and more. To be eligible, your income must meet certain requirements. Our experienced attorneys are here to guide you in assessing whether Chapter 7 bankruptcy is the ideal solution for your financial circumstances. The Benefits of Hiring Our South Bend Chapter 7 Bankruptcy Lawyers While it's possible to file for bankruptcy without a lawyer, having one on your side can increase your chances of a successful outcome. Here are some of the benefits of hiring a lawyer: Knowledge and Experience: Our attorneys have in-depth knowledge and experience with bankruptcy laws, procedures, and court systems. This allows us to effectively navigate the complexities of your case and ensure that all necessary documents are filed correctly. Personalized Guidance: No two bankruptcy cases are identical, so we provide customized guidance tailored to your financial situation. We will work closely with you to understand your needs and... --- > Find financial relief with a Merrillville Chapter 7 bankruptcy attorney at Whitten & Whitten. Start rebuilding your financial freedom today. - Published: 2024-06-03 - Modified: 2025-04-17 - URL: https://kmslawoffice.net/citystate/merrillville-chapter-7-bankruptcy-attorney/ Merrillville Chapter 7 Bankruptcy Attorney Facing financial hardship brings along not just the stress of unpaid bills but also the constant worry about the future. If you're grappling with insurmountable debt, Chapter 7 bankruptcy might offer a path to regaining financial stability. At Whitten & Whitten, our committed Merrillville Chapter 7 bankruptcy attorney recognizes the gravity of deciding to file for bankruptcy. We're here to provide you with the insights and guidance needed to make informed decisions about bankruptcy and how it can be a tool to reset your financial landscape. Understanding Chapter 7 Bankruptcy Chapter 7 bankruptcy, or "liquidation" is a legal process through which individuals and businesses can be rid of most unsecured debts and start anew. It involves liquidating most of your assets to pay off creditors, with remaining eligible debts being discharged by the court. Eligibility for Chapter 7 Bankruptcy Chapter 7 bankruptcy isn't available to everyone. To qualify, a person must pass the "means test," which considers their income and expenses to assess if they have enough disposable income to repay their debts. Additionally, individuals must seek credit counseling from a court-approved agency at least 180 days before filing for bankruptcy. Benefits of Filing for Chapter 7 Bankruptcy Filing for Chapter 7 bankruptcy can provide various benefits, such as: Immediate relief from creditor harassment and collection. Discharge of most unsecured debts, like credit card debt, medical bills, and personal loans. Keeping certain exempt assets, like a primary residence and basic household goods. Quick process -... --- > Find relief from debt with a trusted "Chapter 7 bankruptcy lawyer near me." Call Whitten & Whitten for compassionate guidance and a fresh financial start. - Published: 2024-06-03 - Modified: 2024-06-03 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyer-near-me/ Chapter 7 Bankruptcy Lawyer Near Me Are you feeling overwhelmed by debt? Imagine starting anew, free from the chains of financial burdens. Chapter 7 bankruptcy might be the ray of hope you've been searching for. At Whitten & Whitten, we are experienced in guiding individuals through the Chapter 7 bankruptcy process, offering a pathway to regain financial control and peace of mind. So, if you're searching for a "Chapter 7 bankruptcy lawyer near me," look no further; we are here to help. Understanding Chapter 7 Bankruptcy Chapter 7 bankruptcy, also known as liquidation bankruptcy, is a legal process that allows individuals or businesses with overwhelming debt to eliminate most of their debts and receive a fresh financial start. This type of bankruptcy is most beneficial for individuals with limited income or assets, making it challenging to repay their debts. Benefits of Hiring a "Chapter 7 Bankruptcy Lawyer Near Me" While filing for Chapter 7 bankruptcy without legal representation is possible, having a knowledgeable and experienced lawyer on your side can significantly increase the chances of a successful outcome. Here are some benefits of hiring a Chapter 7 bankruptcy lawyer: Invaluable Advice: A bankruptcy lawyer will have years of experience handling Chapter 7 cases, providing valuable advice on the best course of action for your situation. Guidance through the Process: The bankruptcy process can be complex and overwhelming. A lawyer will lead you, making sure all paperwork is filed correctly and on time. Protection from Creditors: After filing for bankruptcy, creditors... --- > Discover hope with LaPorte County bankruptcy lawyers at Whitten & Whitten, guiding you to a brighter financial future. Call us today. - Published: 2024-06-03 - Modified: 2024-06-03 - URL: https://kmslawoffice.net/citystate/laporte-county-bankruptcy-lawyers/ LaPorte County Bankruptcy Lawyers Facing financial upheaval can often feel like navigating through a storm with no compass. For the residents of LaPorte County and surrounding areas, finding a beacon of hope and direction in these turbulent times is crucial. The LaPorte County bankruptcy lawyers at Whitten & Whitten stand as that guiding light, offering dependable legal advice and unwavering support as you explore the possibility of bankruptcy. Our insights aim to dispel myths, provide comfort, and empower you with knowledge. Understanding Bankruptcy: A Fresh Start Often shrouded in stigma, bankruptcy represents a legal path designed to offer individuals and families a fresh start. You're not just another case number with our seasoned bankruptcy attorneys, including Dan L. Whitten, Stacey E. Whitten, Amanda A. Lawrence, Angie Clement, and Brittany Jensen. You're a valued member of the LaPorte County community seeking a brighter financial future. Chapter 7 and Chapter 13 Bankruptcy: What's Right for You? Chapter 7 Bankruptcy: Ideal for those who need relief from overwhelming debt, Chapter 7 provides a clean slate through the liquidation of non-exempt assets. Chapter 13 Bankruptcy: Tailored for individuals with a regular income, Chapter 13 allows for debt repayment plans that span three to five years, offering a more manageable way to settle debts without liquidating all assets. Our team can guide you through both options' intricate details, helping you identify the best action for your unique situation. How Bankruptcy Can Help You Halting Collection Activities: Filing for bankruptcy puts an immediate stop to foreclosures,... --- > Our bankruptcy lawyers in Porter County offer compassionate and professional support to help you regain financial stability. Call Whitten & Whitten now. - Published: 2024-06-03 - Modified: 2024-06-03 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyers-porter-county/ Bankruptcy Lawyers Porter County Facing financial difficulties can be an overwhelming experience, leading many to consider bankruptcy as a viable solution to regain financial stability. At Whitten & Whitten, we understand the complexities and challenges our clients face during these trying times. Our bankruptcy lawyers in Porter County are dedicated to providing professional, compassionate, and personalized legal assistance to help you navigate bankruptcy. Whether you're contemplating Chapter 7 or Chapter 13 bankruptcy, we aim to offer you the guidance and support necessary to make informed decisions that best suit your financial situation. Is Bankruptcy Right for You? If you're experiencing unmanageable stress because of financial difficulties, considering bankruptcy might be the right step towards regaining control. Here are signs indicating it may be time to explore your bankruptcy options: Feeling overwhelmed by debt with no clear solution in sight Juggling maxed-out credit cards and consistently missing payments Receiving aggressive calls and letters from debt collectors Lacking savings and having to choose between essential needs Borrowing money from friends or family to stay afloat Falling behind on mortgage or rent, risking your home Searching for a legal solution to achieve financial freedom How We Can Help: Our Bankruptcy Services At Whitten & Whitten, we have years of experience providing comprehensive bankruptcy services to help protect your assets, stop collection activities, and lay the groundwork for a more stable financial future. Our services include: Evaluating your financial situation and determining the best bankruptcy option for you Preparing and filing bankruptcy petitions, schedules,... --- > Seeking a bankruptcy lawyer in Lafayette? Whitten & Whitten offers reliable guidance through Chapter 7 and Chapter 13 filings. Call now. - Published: 2024-05-01 - Modified: 2024-05-01 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyer-lafayette/ Bankruptcy Lawyer Lafayette Financial challenges can put an immense strain on your life to the point where it becomes impossible to pay off your debts. When faced with such a situation, seeking the services of a skilled bankruptcy lawyer in Lafayette is crucial. With their experience and knowledge of bankruptcy laws, they can guide you through the process and help you make informed decisions about your financial future. At Whitten & Whitten, we understand how daunting the bankruptcy process can seem. Our team is here to guide Lafayette residents through these complex legal waters, addressing your questions and concerns and supporting you when considering bankruptcy. Understanding Your Bankruptcy Options Bankruptcy is not an admission of failure; it's a strategic financial tool designed to protect and offer a remedy to those in need. Before deciding to file for bankruptcy, it's essential to understand your options. The most common forms of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 Bankruptcy Chapter 7 bankruptcy, or "liquidation" bankruptcy, involves selling certain assets to pay off your creditors, after which the remaining debts are discharged. In Lafayette, you can exempt certain property from being sold, such as your primary residence, household goods, and personal belongings. Chapter 7 is a smart option for individuals with low incomes and minimal assets. Chapter 13 Bankruptcy Chapter 13 bankruptcy is often referred to as "reorganization" bankruptcy. Under this bankruptcy, you create a repayment plan and pay off your debts over a period of three to five... --- > Consult a leading Chapter 7 bankruptcy lawyer in Valparaiso at Whitten & Whitten for dedicated legal support and a fresh financial start. Call now. - Published: 2024-05-01 - Modified: 2024-05-01 - URL: https://kmslawoffice.net/citystate/chapter-7-bankruptcy-lawyer-valparaiso/ Chapter 7 Bankruptcy Lawyer Valparaiso Are you overwhelmed by debt and considering bankruptcy as a way out? Understand that you're not alone, and more importantly, there are solutions tailored to help you reclaim financial stability and save your important assets. Choose Whitten & Whitten to find a Chapter 7 bankruptcy lawyer in Valparaiso, and let us help you navigate the process with ease and skill. Understanding Chapter 7 Bankruptcy So, you've heard about Chapter 7 bankruptcy and are considering it, but what is it exactly? Chapter 7 bankruptcy is designed to assist individuals struggling with unsustainable debt. By selling nonexempt assets through a bankruptcy trustee, Chapter 7 facilitates the repayment of creditors and provides the debtor with a fresh start. It is a legally recognized procedure that can often be completed in three to four months. It grants what is known as a 'discharge' of debts, enabling individuals to move forward without the burden of past financial obligations. Eligibility and the Means Test The decision to file for bankruptcy is inherently financial rather than moral. Chapter 7 bankruptcy requires passing the Means Test, a comparative assessment between your income and Indiana's median income for your household size. This test determines eligibility for Chapter 7 bankruptcy or may direct individuals toward the restructured payment plans of Chapter 13 bankruptcy. The Bankruptcy Process Simplified Once you decide that Chapter 7 is right for you, don't let the road ahead intimidate you. At Whitten & Whitten, we break the process down into manageable... --- > Find freedom from debt with Porter County Chapter 7 attorneys at Whitten & Whitten. Dependable guidance and a fresh start await. - Published: 2024-05-01 - Modified: 2024-05-01 - URL: https://kmslawoffice.net/citystate/porter-county-chapter-7-attorneys/ Porter County Chapter 7 Attorneys Financial distress can feel like carrying the world's weight on your shoulders, but you don't have to bear that burden alone. The Porter County Chapter 7 attorneys at Whitten & Whitten are here for you. Our team of experienced bankruptcy lawyers is dedicated to helping individuals and families in the Porter County area find relief from overwhelming debt through Chapter 7 bankruptcy. Understanding Chapter 7 Bankruptcy Chapter 7 bankruptcy, often termed "liquidation" or "straight bankruptcy," presents an opportunity to clean the slate. This legal process is designed to discharge most of your unsecured debts, offering a fresh fiscal beginning. At Whitten & Whitten, we clarify and address the common misconceptions surrounding the Chapter 7 filing process, asset liquidation, and the path to debt relief. A Streamlined Process The road through Chapter 7 bankruptcy is more straightforward than one might assume. Typically completed within 3-6 months, you could emerge from financial distress more rapidly than anticipated. It begins with filing the necessary petitions and culminates in a discharge that releases you from personal liability for specific debts. Qualifying for Chapter 7 Bankruptcy Eligibility hinges on the Means Test—an evaluation pitting your income against Indiana's median. Should your income surpass the threshold, don't lose hope. Other forms of bankruptcy relief, such as Chapter 13, are available, and we can help determine what suits your situation best. Protection from Creditors When you file, an automatic stay immediately goes into effect, granting you immediate reprieve from creditors' pursuits. A... --- > Find relief from debt with Chapter 13 Bankruptcy attorneys in East Chicago. Contact Whitten & Whitten to regain financial freedom today. - Published: 2024-05-01 - Modified: 2024-05-01 - URL: https://kmslawoffice.net/citystate/chapter-13-bankruptcy-attorneys-east-chicago/ Chapter 13 Bankruptcy Attorneys East Chicago Are you feeling overwhelmed by debt? Struggling to stay afloat amidst mounting bills and aggressive creditors? Worried about losing your property? The team at Whitten & Whitten is here to show you a beacon of hope through the structured path of Chapter 13 bankruptcy. Our Chapter 13 bankruptcy attorneys provide East Chicago residents with invaluable legal counsel, offering a powerful option for those who believe financial relief is out of reach. Understanding Chapter 13 Bankruptcy Chapter 13 bankruptcy is not about surrendering but taking a strategic step forward. Tailored for individuals with a regular income who can repay their debts over time, it's a legal process that allows you to: Stop Sheriff Sales: Protect your home and assets. Catch Up on Mortgage Payments: Find the breathing room to manage overdue payments. Prevent Repossessions and Wage Garnishments: Maintain possession of your belongings and total control over your salary. Filing for Chapter 13 sets into motion an automatic stay, providing immediate relief from creditors aggressively seeking payments. Our experienced attorneys leverage this period to construct a repayment plan suited to your unique financial situation—laying out a three to five-year timeline to clear your debts without the intense pressure from those you owe. What Sets Chapter 13 Apart? Unlike Chapter 7, Chapter 13 bankruptcy doesn't involve liquidating your assets. Instead, it focuses on restructuring your debt into manageable payments. In many cases, filers do not repay all of their unsecured debt, putting you on a realistic path... --- > Discover unparalleled legal counsel with the South Bend Chapter 13 bankruptcy lawyers at Whitten & Whitten. Contact us for a fresh financial start. - Published: 2024-04-08 - Modified: 2024-04-08 - URL: https://kmslawoffice.net/citystate/south-bend-chapter-13-bankruptcy-lawyers/ South Bend Chapter 13 Bankruptcy Lawyers Finding a clear path to stability and liberation from debt can seem nearly impossible in the complex web of financial obligations. But there's hope and a way forward with Whitten & Whitten, your trusted South Bend Chapter 13 bankruptcy lawyers. Our team is dedicated to guiding you through the Chapter 13 bankruptcy process, providing you with the relief and fresh start you deserve. Why Choose Chapter 13 Bankruptcy? Chapter 13 bankruptcy, or a wage earner's plan, allows individuals with a steady income to form a repayment plan for their debts. Debtors propose a structured repayment plan to creditors over three to five years. This legal process provides a manageable way to regain financial control without liquidating assets. It helps stop foreclosures or repossessions and protects property while paying back debt under court supervision. Many people choose Chapter 13 bankruptcy for a variety of reasons, including: It stops creditor harassment and collection efforts. It allows you to catch up on missed mortgage or car payments. It helps you keep your home and other valuable assets. It provides an opportunity to restructure and manage debts more affordably. It can eliminate certain types of debt, such as credit cards or medical bills. Our Approach At Whitten & Whitten, we understand that considering bankruptcy is a significant and sensitive decision. We are committed to providing you with comprehensive support and guidance throughout the process. Understanding Your Options: We will take the time to explain the discrepancies of Chapter... --- > Are you looking for a trusted and compassionate Whiting bankruptcy lawyer? Contact Whitten & Whitten and take your first step toward a debt-free life. - Published: 2024-04-08 - Modified: 2024-04-08 - URL: https://kmslawoffice.net/citystate/whiting-bankruptcy-lawyer/ Whiting Bankruptcy Lawyer If you're considering filing for bankruptcy and seeking legal advice, finding the right Whiting bankruptcy lawyer is crucial. While the process may seem straightforward, it goes beyond simply finding a knowledgeable and experienced attorney in bankruptcy law. It's equally important to find someone who can offer robust legal representation for intricate legal matters and guide you through the bankruptcy process with assurance. At Whitten & Whitten, we focus on providing dependable bankruptcy legal services tailored to meet the individual needs of our clients. We understand that facing financial strain can be overwhelming, which makes the choice to file for bankruptcy a significant and sensitive decision. Our dedicated team of bankruptcy lawyers is committed to guiding you through this complex process, offering you the relief and fresh start you deserve. Exploring Bankruptcy: Chapter 7 and Chapter 13 Bankruptcy is a process that provides financially struggling individuals with the opportunity to have their debts forgiven or repay their debts under federal protection. The two main classes of bankruptcy cases are Chapter 7 and Chapter 13. Chapter 7: Also known as liquidation bankruptcy, this chapter of bankruptcy involves selling off non-exempt assets to pay back creditors. It's typically suited for those with little to no disposable income and a large amount of unsecured debt. Chapter 13: Also referred to as reorganization bankruptcy, this type involves creating a repayment plan to repay creditors over three to five years. It's typically suited for those with significant assets they want to protect or... --- > Secure your financial freedom with South Bend's trusted Chapter 7 bankruptcy attorneys at Whitten & Whitten. Start anew today. - Published: 2024-04-08 - Modified: 2024-04-08 - URL: https://kmslawoffice.net/citystate/south-bend-chapter-7-bankruptcy-attorneys/ South Bend Chapter 7 Bankruptcy Attorneys Finding your way through financial hardship can often feel like navigating through stormy weather without a compass. At Whitten & Whitten, our experienced South Bend Chapter 7 bankruptcy attorneys are here to guide you toward a brighter, debt-free future. With a legacy built on trust, compassion, and unparalleled legal prowess, we ensure a smooth and confidential journey through bankruptcy. Exploring Chapter 7 Bankruptcy Chapter 7 bankruptcy, often called "liquidation bankruptcy," is a legal process to relieve individuals and businesses overwhelmed by debt. It allows for the discharge of unsecured debts such as credit card balances, medical bills, and personal loans, providing a fresh financial start. This form of bankruptcy is particularly beneficial for those without a substantial source of income, as it does not typically require the debtor to enter into a repayment plan. Things to Prepare For While Chapter 7 bankruptcy offers many benefits, it is crucial to understand the potential consequences and responsibilities of filing. Our team will thoroughly review your financial situation and determine what assets may be at risk of liquidation and any debts that may not be dischargeable. Additionally, individuals must meet specific eligibility requirements to qualify for Chapter 7 bankruptcy, including passing the "means test" to determine if their income falls below the state median. Premier South Bend Chapter 7 Bankruptcy Attorneys Whitten & Whitten brings you decades of experience, moral support, and the technical prowess required to navigate South Bend's bankruptcy laws. Our dedication doesn't stop at... --- > Find St. John bankruptcy lawyers ready to guide you toward a debt-free future at Whitten & Whitten. Call to regain financial stability. - Published: 2024-04-08 - Modified: 2024-04-08 - URL: https://kmslawoffice.net/citystate/st-john-bankruptcy-lawyers/ St. John Bankruptcy Lawyers In a world where financial challenges seem insurmountable, finding a pathway to stability and freedom is paramount. It's here, amidst the uncertainty, that Whitten & Whitten emerges as your beacon of hope. As dedicated St. John bankruptcy lawyers, our commitment lies in guiding you toward liberating yourself from the burdens of debt. Dive into our approach, discover the advantages of choosing us, and take the decisive step toward your fresh start today. What's Better: Chapter 7 or Chapter 13 Bankruptcy? When faced with the decision to file for bankruptcy, individuals often ponder the choice between Chapter 7 and Chapter 13. It is important to note that each option has distinct advantages and consequences. Chapter 7 Bankruptcy: Chapter 7 bankruptcy is often called "liquidation bankruptcy" because it involves selling non-exempt assets to pay off creditors. This type of bankruptcy is best for individuals with lower income and few assets, as it allows them to discharge most or all of their debt. It typically takes about 4-6 months to complete and provides a clean slate for the filer. Chapter 13 Bankruptcy: Chapter 13, or "reorganization bankruptcy," involves creating a repayment plan with creditors to pay off debts over 3-5 years. This option is better for individuals with a steady income and more assets, as it allows them to catch up on missed payments and keep their property. It typically takes longer than Chapter 7 but can provide a more manageable path to debt relief. Our Strategy: Understanding, Planning,... --- > Are you strugging to manage your debt? Whitten & Whitten offers the support you need. Call our St. John bankruptcy attorney today. - Published: 2024-02-20 - Modified: 2024-02-20 - URL: https://kmslawoffice.net/citystate/st-john-bankruptcy-attorney/ St. John Bankruptcy Attorney Bankruptcy, a term often associated with financial ruin, can sometimes be the key to a fresh start. It's a complex legal process that provides relief from overwhelming debt. However, navigating this process alone can be daunting. Our St. John bankruptcy attorney at Whitten & Whitten is ready to assist you. With over 20 years of experience, our team of seasoned attorneys can guide you through the intricacies of bankruptcy, helping you make informed decisions for your financial future. Understanding Bankruptcy: Chapter 7 and Chapter 13 Bankruptcy comes in two main forms: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, also known as liquidation bankruptcy, involves selling off assets to repay debts. On the other hand, Chapter 13 bankruptcy allows individuals to create a repayment plan to gradually pay off their debts over time. The choice between the two depends on various factors, such as your income, assets, and the nature of your debt. At Whitten & Whitten, a careful analysis of your unique situation is conducted to determine which type of bankruptcy best suits your needs. Navigating the Complex Process of Filing for Bankruptcy Filing for bankruptcy requires meticulous attention to detail. From gathering necessary documentation to filling out required forms and understanding court procedures, the process can be overwhelming. But with Whitten & Whitten by your side, these complexities are simplified. Our team ensures that your bankruptcy filing is accurate, complete, and meets all legal requirements, providing you with peace of mind. Addressing the Consequences... --- > While the idea of filing for bankruptcy can be intimidating, doing so can help you reach a better point in life. Call our East Chicago bankruptcy lawyers at Whitten & Whitten for assistance. - Published: 2024-02-20 - Modified: 2024-02-20 - URL: https://kmslawoffice.net/citystate/east-chicago-bankruptcy-lawyers/ East Chicago Bankruptcy Lawyers Bankruptcy is not a journey anyone embarks on lightly. It is a complex process, fraught with emotional and financial implications. When faced with such overwhelming circumstances, it's crucial to have reliable guidance and support. Whitten & Whitten, a seasoned law firm, is here to provide just that. Our East Chicago bankruptcy lawyers assist individuals facing significant debts, and we guide them toward a brighter future. Let us help you decide which type of bankruptcy may be most suitable to your situation. Understanding Bankruptcy: Chapter 7 and Chapter 13 Bankruptcy law is intricate, offering different paths based on individual circumstances. There are two primary types of bankruptcy individuals can file for, which include Chapter 7 and Chapter 13. Chapter 7 bankruptcy, also known as liquidation bankruptcy, involves the selling of assets to repay creditors. This option is typically suitable for those with limited income who find it impossible to pay back their debts. On the other hand, Chapter 13 bankruptcy allows individuals to create a repayment plan. This type of bankruptcy is suitable for individuals who have a regular income and can afford to make payments towards their debt over a specified period. The eligibility for each type of bankruptcy hinges on several factors, including income, total debt, and overall financial circumstances. Your attorney can help you understand which option best suits your situation. Weighing the Pros and Cons of Bankruptcy Filing for bankruptcy can offer a lifeline when drowning in debt. It can halt creditor harassment... --- > The Lafayette Chapter 7 bankruptcy attorneys at Whitten & Whitten are committed to guiding clients through the complex bankruptcy process, providing thoughtful counsel and effective legal solutions to help pave the way for financial freedom. - Published: 2024-02-20 - Modified: 2024-02-20 - URL: https://kmslawoffice.net/citystate/lafayette-chapter-7-bankruptcy-attorneys/ Lafayette Chapter 7 Bankruptcy Attorneys If you find yourself burdened with significant debt, it's natural to feel anxious about what lies ahead. Fortunately, Chapter 7 bankruptcy offers a fresh start to those seeking financial relief. At Whitten & Whitten, we are dedicated to providing dependable guidance throughout this intricate process, ensuring a seamless journey towards financial freedom. Our team of experienced Lafayette Chapter 7 bankruptcy attorneys is available for consultation, where we can carefully assess your options and help you chart the most suitable path towards debt management. Understanding Bankruptcy Bankruptcy, often viewed with apprehension, is essentially a legal procedure that allows individuals or businesses struggling with substantial debt to clear their financial slate. It offers a chance to start anew, free from the chains of crippling debt. While the process may seem daunting, understanding the ins and outs of Chapter 7 bankruptcy can alleviate many concerns. The Chapter 7 Bankruptcy Process Explained Chapter 7 bankruptcy, commonly referred to as liquidation or straight bankruptcy, involves the discharge of certain debts. It allows the debtor to eliminate most or all of their unsecured debt, providing a clean slate to rebuild their financial standing. The process begins with filing a petition with the bankruptcy court serving the area where the debtor lives or operates. This includes detailed information about the debtor's assets, liabilities, income, and a list of all creditors and the nature of their claims. Following the filing, a court-appointed trustee oversees the case. Their role is to liquidate the debtor's... --- > The Lafayette Chapter 13 bankruptcy lawyers at Whitten & Whitten offer personalized and comprehensive legal assistance, guiding clients through the bankruptcy process. - Published: 2024-02-20 - Modified: 2024-02-20 - URL: https://kmslawoffice.net/citystate/lafayette-chapter-13-bankruptcy-lawyers/ Lafayette Chapter 13 Bankruptcy Lawyers If you're dealing with significant debt yet aren't eligible for Chapter 7 bankruptcy, you should consider filing for Chapter 13 instead. This process allows individuals and businesses to reorganize their debts and seek better financial management. At Whitten & Whitten, our Lafayette Chapter 13 bankruptcy lawyers are here to provide a comprehensive overview of the Chapter 13 bankruptcy process in Indiana, making the journey towards financial stability less overwhelming. Call today to schedule a consultation. Understanding Chapter 13 Bankruptcy Chapter 13 bankruptcy, often referred to as a reorganization plan, offers individuals and businesses an opportunity to create a debt repayment plan over a period of three to five years. Unlike Chapter 7 bankruptcy, which involves the liquidation of nonexempt assets, Chapter 13 bankruptcy focuses on creating a manageable payment plan to repay debts. This type of bankruptcy is often chosen by those who want to protect their assets and have a steady income to make regular payments. How Whitten & Whitten Can Assist You At Whitten & Whitten, experienced bankruptcy attorneys provide personalized guidance and support throughout the entire Chapter 13 bankruptcy process. A thorough review of your financial situation will be conducted, necessary documentation gathered, and a repayment plan that suits your needs will be created. The team at Whitten & Whitten is dedicated to protecting your assets and ensuring a clear path towards financial stability. Why Choose Chapter 13 Bankruptcy? Chapter 13 bankruptcy can be a viable option for individuals looking to keep... --- > Whitten & Whitten, as trusted Lafayette bankruptcy attorneys, provides comprehensive support to individuals and businesses navigating the complex bankruptcy process, fostering a path towards a brighter financial future. - Published: 2024-01-17 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/lafayette-bankruptcy-attorneys/ Lafayette Bankruptcy Attorneys Bankruptcy is often associated with financial distress, yet it is sometimes an unavoidable part of resolving your financial issues. It is a complex process that carries with it numerous implications, both financially and emotionally. While it may seem overwhelming, it's crucial to remember that bankruptcy can also serve as a pathway to regain control over your financial situation. When you’re facing challenging times, guidance from our professionals at Whitten & Whitten is invaluable. With a wealth of experience in dealing with bankruptcy cases, we are committed to assisting individuals and businesses navigate this intricate process. Trust our Lafayette bankruptcy attorneys for the clarity you need. We Answer Your Questions and Guide You Through Bankruptcy Starting the bankruptcy process is undoubtedly a challenging decision, and we understand the weight it carries. However, at Whitten & Whitten, we firmly believe that by better understanding your options, you can make well-informed decisions. Our dedicated team is here to provide comprehensive answers to all your questions, address any doubts you may have, and guide you through each step of the bankruptcy process with utmost care and precision. You don't have to face this journey alone – we are committed to supporting you every step of the way. Deciding If Bankruptcy Is Right for You Financial circumstances vary greatly among individuals and businesses. As such, the decision to file for bankruptcy should be made after careful consideration of various factors. At Whitten & Whitten, we assess your current income, expenses, total debt,... --- > Whitten & Whitten's Lafayette bankruptcy attorneys provide personalized guidance and assistance throughout the bankruptcy process, ensuring you regain your financial stability and secure a better future. - Published: 2024-01-17 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/lafayette-bankruptcy-lawyers/ Lafayette Bankruptcy Lawyers Filing for bankruptcy is never easy. However, when done alongside knowledgeable Lafayette bankruptcy lawyers, it can serve as a lifeline for individuals overwhelmed by debt. At Whitten & Whitten, our experienced team understands the challenges you may be facing and is dedicated to guiding you through this difficult process. With our personalized approach, we strive to transform this seemingly daunting process into a manageable one, enabling you to emerge financially rejuvenated and with a renewed sense of hope for the future. Let us be your trusted partner as we work together towards a brighter financial tomorrow. Understanding Bankruptcy Bankruptcy is a legal procedure specifically designed to provide relief to individuals or businesses that find themselves overwhelmed by insurmountable financial obligations. It serves as a lifeline, offering a fresh start by either eliminating or restructuring debts, enabling individuals and businesses to regain their financial footing. This process takes place under the protection and guidance of the federal bankruptcy court, which ensures fairness and adherence to established laws. There are two primary forms of bankruptcy that one can pursue: Chapter 7 and Chapter 13. Understanding the implications and differences is crucial for making informed decisions regarding one's financial future. It is essential to consult with a knowledgeable bankruptcy attorney or financial advisor to assess the specific circumstances and determine the most suitable path toward achieving a fresh financial start. Dispelling Bankruptcy Misconceptions Bankruptcy is often shrouded in misconceptions, deterring individuals from seeking the help they need. One widespread myth... --- > At Whitten & Whitten, our South Bend bankruptcy lawyers are committed to providing comprehensive and empathetic legal guidance, empowering our clients to make informed decisions about their financial future. - Published: 2024-01-17 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/south-bend-bankruptcy-attorneys/ South Bend Bankruptcy Attorneys Facing bankruptcy can feel overwhelming. You likely have many concerns about what bankruptcy will mean for your future. Remember that you aren’t in it alone. At Whitten & Whitten, our South Bend bankruptcy attorneys work hard to make the process more manageable and less intimidating. Our mission is to provide individuals with thorough and detailed information about the bankruptcy process, ensuring they know what to expect. By offering comprehensive resources and guidance, we strive to empower individuals to navigate the bankruptcy process with confidence and achieve the best possible outcome for their unique situations. Our Client-Centered Approach to Bankruptcy At Whitten & Whitten, clients receive personalized attention and advice tailored to their unique financial circumstances. We are experienced in both Chapter 7 and Chapter 13 bankruptcies, allowing us to provide comprehensive services that address all facets of the client's financial situation, from repossessions and foreclosures to wage garnishments. Understanding that each case is unique, our team works closely with clients, offering advice and support throughout the bankruptcy process. Our firm’s commitment to clear, empathetic communication ensures that clients are well-informed and comfortable with every step of the process. Common Reasons for Filing Bankruptcy Numerous circumstances can lead individuals to consider bankruptcy. Overwhelming debt, often resulting from credit card bills or loans, can create an insurmountable financial burden. Unexpected medical expenses can quickly pile up, leading to significant financial strain. Additionally, job loss or a decrease in income can make it challenging for individuals to meet their... --- > At Whitten & Whitten Law Firm, our experienced South Bend bankruptcy lawyers are dedicated to guiding and supporting individuals through the complex process of filing for bankruptcy. - Published: 2024-01-17 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/south-bend-bankruptcy-lawyers/ South Bend Bankruptcy Lawyers If you're thinking of filing for bankruptcy, you're likely feeling apprehensive about the future. While it's understandable to worry about its impacts, bankruptcy is a process designed to provide relief to individuals grappling with unmanageable debt. It is not a sign of failure but rather a strategic step towards regaining control of one's financial health. At Whitten & Whitten, we are committed to guiding clients through this challenging period. Rely on our South Bend bankruptcy lawyers for support every step of the way. Understanding the Types of Bankruptcy Chapter 7 and Chapter 13 are the two main types of bankruptcy that our attorneys assist with. Each serves a distinct purpose and is suited to different circumstances. Chapter 7 Bankruptcy Often referred to as liquidation bankruptcy, Chapter 7 involves the selling of non-exempt assets to repay creditors. This type is a viable option for those with limited income and substantial debt. Our attorneys consider your specific circumstances when deciding whether Chapter 7 is a suitable route for you. Chapter 13 Bankruptcy Chapter 13, or a wage earner’s plan, offers individuals with regular income a method to repay their debts over three to five years, while retaining their assets. It is an ideal solution for those wishing to avoid asset liquidation. At Whitten & Whitten, assess your financial circumstances to determine if Chapter 13 is the most beneficial choice. Frequently Asked Questions about Bankruptcy Understanding bankruptcy involves navigating numerous questions. Here are some commonly asked queries: What property... --- > Whitten & Whitten is an experienced bankruptcy lawyer near South Bend, offering comprehensive guidance and support for individuals navigating the complexities of the bankruptcy process toward achieving a fresh financial start. - Published: 2023-12-16 - Modified: 2024-01-12 - URL: https://kmslawoffice.net/citystate/bankruptcy-lawyer-south-bend/ Bankruptcy Lawyer South Bend Facing financial hardship can be a daunting and overwhelming experience. But when debt becomes insurmountable, bankruptcy can offer a lifeline, a chance to reset your financial future. Whitten & Whitten, a skilled bankruptcy lawyer near South Bend, is here to guide you through this complex process, ensuring your rights and interests are protected every step of the way. Types of Bankruptcy Bankruptcy is not a one-size-fits-all solution. There are different types available, each suited to different circumstances. For instance, a Chapter 7 bankruptcy may be suitable for some people. Often referred to as "liquidation bankruptcy," Chapter 7 provides a path for individuals overwhelmed by personal debt. By selling nonexempt assets, you can repay creditors and eliminate unsecured debts. Whitten & Whitten will guide you through the Chapter 7 Means Test to determine if this route is the best fit for your situation. Chapter 13 Bankruptcy offers an alternative for those who have regular income but still struggle to meet debt obligations. This form involves creating a repayment plan that spans three to five years, allowing you to gradually work through your debt. With careful budgeting and the guidance of our team, a feasible repayment plan can be developed and adhered to. The Process of Filing for Bankruptcy The journey to bankruptcy begins with a credit counseling course, followed by an in-depth documentation of debts, income, expenses, and assets. Preparing your bankruptcy petition is a crucial step, one that Whitten & Whitten ensures is executed accurately and... --- > At Whitten & Whitten, our experienced bankruptcy attorney near Lafayette is prepared to guide you through your financial hardships. - Published: 2023-12-16 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-lafayette/ Bankruptcy Attorney Lafayette Bankruptcy can be a life-changing decision that sets you on a path to financial stability. At Whitten & Whitten, we strive to help clients explore their options and find ways to manage their debt. We understand that filing for bankruptcy isn't a decision to be taken lightly, so we provide the information you need to make a decision confidently. Our experienced bankruptcy attorney near Lafayette is available to review your case at a consultation. A Helping Hand in Tough Times The journey towards financial recovery is not one you need to walk alone. Professional assistance is available, particularly from the seasoned lawyers at Whitten & Whitten. Our law firm has a deep understanding of both Chapter 7 and Chapter 13 bankruptcies and has successfully navigated cases involving repossessions, foreclosures, and garnishments. The decision to file for bankruptcy is not one that is made lightly or without considerable thought. It is often a complex and challenging process, fraught with uncertainty and fear about the future. This decision comes with a myriad of questions and concerns, many of which can be overwhelming. Potential filers may wonder about the impact on their credit, the stigma associated with bankruptcy, and whether it will truly offer them the financial relief they need. Our attorneys provide the information you need to move forward confidently. Making Informed Decisions “Should I file for bankruptcy? ” This question is common and valid. The answer, however, should be based on an individual's income, expenses, total debt, and... --- > At Whitten & Whitten, our experienced Porter County bankruptcy attorneys are dedicated to guiding you through the bankruptcy process, providing clarity as you take steps toward a more stable financial future. - Published: 2023-12-16 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/porter-county-bankruptcy-attorneys/ Porter County Bankruptcy Attorneys Financial instability can lead to a whirlwind of stress and uncertainty. The idea of bankruptcy often comes with a negative connotation, but it should not be viewed as the end of the road. Instead, it can be seen as a lifeline, a chance to regain control over your financial future. Whitten & Whitten is here to guide you through the process, offering professional, comprehensive services to individuals facing potential bankruptcy. Call our Porter County bankruptcy attorneys to get started. What Is Bankruptcy? Bankruptcy is a legal process designed to help individuals or businesses struggling with debt. It provides an opportunity to eliminate or repay some or all debts under the protection of the federal bankruptcy court. It is crucial to understand that bankruptcy is not a decision to be taken lightly. It requires careful consideration of your current financial situation, monthly cash flow, total debt, and disposable income. Types of Bankruptcy: Chapter 7 and Chapter 13 There are two common types of bankruptcy for individuals: Chapter 7 and Chapter 13. Each has its own set of advantages and disadvantages, and the choice between them often depends on an individual's unique circumstances. Chapter 7 Bankruptcy is often referred to as "liquidation" bankruptcy. It allows individuals to eliminate most, if not all, of their unsecured debts while protecting exempt assets from being sold to repay creditors. Chapter 13 Bankruptcy, on the other hand, is known as a "reorganization" bankruptcy. It allows individuals to create a three to five-year... --- > Whitten & Whitten, Porter County bankruptcy lawyers, offer comprehensive services to guide individuals through the complexities of the bankruptcy process. - Published: 2023-12-16 - Modified: 2024-01-17 - URL: https://kmslawoffice.net/citystate/porter-county-bankruptcy-lawyers/ Porter County Bankruptcy Lawyers Filing for bankruptcy can be a daunting and complex process. However, with the guidance of experienced bankruptcy attorneys like Whitten & Whitten, individuals can navigate this challenging path toward financial freedom. This article offers an overview of what to expect when filing for bankruptcy and underscores the importance of professional legal assistance during such a significant financial decision. Understanding the Types of Bankruptcy There are two primary forms of bankruptcy available to individuals: Chapter 7 and Chapter 13. Chapter 7 bankruptcy involves liquidating assets to pay off debts, while Chapter 13 allows for a structured repayment plan over a specified period. Our attorneys at Whitten & Whitten are experienced in both, guiding clients toward the best choice for their unique circumstances. We understand that the journey toward filing for bankruptcy is often marked by feelings of uncertainty and apprehension, so we provide attentive support at each step of the process. Examining Eligibility and Debt Relief Options Eligibility for bankruptcy includes passing the Chapter 7 Means Test. At Whitten & Whitten, a comprehensive assessment of an individual's financial situation is conducted to advise on the most suitable debt relief options. Bankruptcy can alleviate various types of debts, such as medical bills, credit card bills, and judgments. However, it's important to note that certain debts may not be dischargeable through bankruptcy. We can help you determine the potential advantages of filing for bankruptcy for your specific circumstances at a consultation. Navigating the Legal Process Upon the decision to... --- > At Whitten & Whitten, our Schererville Chapter 7 bankruptcy attorneys are dedicated to guiding you through the complexities of the bankruptcy process, offering professional advice and empathetic support to help you regain financial stability. - Published: 2023-12-04 - Modified: 2023-12-04 - URL: https://kmslawoffice.net/citystate/schererville-chapter-7-bankruptcy-attorneys/ Schererville Chapter 7 Bankruptcy Attorneys Navigating the complexities of personal finances can be challenging, particularly when facing high levels of debt. One of the options available to individuals grappling with such circumstances is Chapter 7 Bankruptcy. Also known as "liquidation bankruptcy" or "straight bankruptcy," this legal avenue involves liquidating nonexempt assets to repay creditors, offering a potential path toward financial stability. Whitten & Whitten is prepared to help you resolve your legal case. Call our Schererville Chapter 7 bankruptcy attorneys today. Understanding Chapter 7 Bankruptcy To qualify for Chapter 7 Bankruptcy, an income assessment known as the Means Test is required. This test compares your income to Indiana’s median income for a household of the same size as reported by the Department of Justice. If earning less than Indiana’s median income, an automatic pass on the Means Test is granted. However, if your earnings exceed the median income, you can still file for Chapter 7, provided there is insufficient disposable income. One of the immediate benefits of filing for Chapter 7 Bankruptcy is the initiation of an automatic stay. This stay halts all collection attempts from creditors, providing immediate relief from incessant calls and letters. A bankruptcy trustee is then assigned to oversee the case until its conclusion. The Chapter 7 Bankruptcy Process The first major event in the Chapter 7 Bankruptcy process is the meeting of creditors (also known as a 341 meeting), which is completed within 30 days of filing. This meeting involves answering questions about your financial... --- > Navigate the complexities of bankruptcy in Indiana with our comprehensive guide. Learn about Chapter 7 and Chapter 13 bankruptcy, credit impact, and specific laws for Gary residents. Get the support you need from experienced Gary bankruptcy lawyers. - Published: 2023-11-04 - Modified: 2023-11-04 - URL: https://kmslawoffice.net/citystate/gary-bankruptcy-lawyers/ Gary Bankruptcy Lawyers Bankruptcy is a legal process that offers a fresh start to individuals who are unable to pay their debts. Navigating the complexities of bankruptcy can be overwhelming. This is where the experience of our Gary bankruptcy lawyers comes into play. At Whitten & Whitten, our legal professionals are experienced in providing guidance and representation to individuals facing bankruptcy, helping them understand their options and the implications of their decisions. Contact our office to discuss whether filing for bankruptcy may be the right option for you. Understanding Different Types of Bankruptcy In Indiana, individuals can file for two main types of bankruptcy: Chapter 7 and Chapter 13. Chapter 7, often referred to as “liquidation bankruptcy,” involves selling off non-exempt assets to repay creditors. This option is typically for those with limited income who cannot pay back their debts over time. On the other hand, Chapter 13, also known as “wage earner's plan,” allows individuals with regular income to develop a plan to repay all or part of their debts over three to five years. Filing for bankruptcy, regardless of the type, will impact your credit score. It's important to remember, however, that bankruptcy isn't the end of the road for your financial health. There are strategies for rebuilding credit post-bankruptcy, such as secured credit cards, credit-builder loans, or making timely payments on any remaining debts. What to Consider Before Filing Bankruptcy Assess Your Financial Situation: Understand the scope of your debts, your income, and your ability to repay.... --- > Regain control of your financial situation with the help of our professional Highland Chapter 13 bankruptcy attorneys. Discover how we offer empathetic and reassuring guidance through the complex process of Chapter 13 bankruptcy, providing you a pathway to financial freedom. - Published: 2023-09-25 - Modified: 2023-09-25 - URL: https://kmslawoffice.net/citystate/highland-chapter-13-bankruptcy-attorneys/ Highland Chapter 13 Bankruptcy Attorneys Are you feeling overwhelmed by a mountain of debt? Are you seeking a feasible solution that can help you regain control of your financial situation? If so, you're not alone. Many Hoosiers find themselves in similar circumstances, and fortunately, there's a way forward. Chapter 13 bankruptcy could be the option you need, and our team of Highland Chapter 13 bankruptcy attorneys at Whitten & Whitten are here to guide you through every step of this complex process. Understanding Chapter 13 Bankruptcy Chapter 13 bankruptcy, often referred to as a wage earner's plan, is a legal option designed for individuals and businesses who wish to repay their debts over time. This option is better suited for those who do not qualify for Chapter 7 bankruptcy, which involves the liquidation of assets. Here's what you need to comprehend about Chapter 13 bankruptcy: No liquidation: One of the most significant advantages of Chapter 13 bankruptcy is that it doesn't involve the liquidation of nonexempt assets. This means you can keep your property while repaying your debts. Debt relief: Chapter 13 bankruptcy can halt sheriff sales, catch up on overdue mortgage payments, prevent repossessions, and stop wage garnishments. It gives you a chance to breathe and strategize your repayment plan. Unsecured vs. secured debt: The amount of unsecured debt (like credit card debt) repaid is determined by your income and equity in assets. Most filers do not repay all of their unsecured debt. However, secured debt (like car loans... --- > If you are behind in debts, contact our Highland bankruptcy lawyers. Bankruptcy can help you regain your financial security. - Published: 2023-08-26 - Modified: 2023-08-26 - URL: https://kmslawoffice.net/citystate/highland-bankruptcy-lawyer/ Highland Bankruptcy Lawyer With the high costs of living, it is easy to become overly reliant on credit cards and loans to purchase the things you want and need. Unfortunately, high-interest rates make it difficult to ever pay these debts off, and missing even one payment could lead to serious problems. Demanding debt collection calls and threats of legal action can have a major impact on both your physical and mental health. If you are facing these types of problems, reach out to the Whitten & Whitten, for help. Our experienced Highland bankruptcy lawyers can review your case and advise you on the options available. To get out from overwhelming debts and make a fresh start, contact our office and request a free consultation today. Our Highland Bankruptcy Lawyer Helps You Regain Financial Security According to a recent CNBC news report, the average American has over $90,000 in debt. These represent revolving credit card accounts, automobile payments, personal loans, home mortgages, and other common types of credit. While most of us rely on these types of accounts when making various purchases, it is easy to get overwhelmed. At the Whitten & Whitten, we protect the rights of people who are struggling to keep up with payments. Our experienced Highland bankruptcy lawyers help you regain financial security when you have fallen behind for any of the following reasons: Job losses; Reductions in hours or pay; Added personal responsibilities, such as having a baby or taking care of relatives; Unexpected accidental injuries... --- > Bankruptcy provides a fresh start in dealing with overwhelming debts. Our Crown Point Chapter 7 bankruptcy lawyers can advise you on the options available. - Published: 2023-07-25 - Modified: 2023-07-25 - URL: https://kmslawoffice.net/citystate/crown-point-chapter-7-bankruptcy-lawyers/ Crown Point Chapter 7 Bankruptcy Lawyers Credit card companies and other lenders make it easy to accumulate significant amounts of debt. Unfortunately, unexpected circumstances in your life can make it difficult to meet monthly payments. Once you file behind, it can be impossible to ever get caught up. At Whitten & Whitten, we offer solutions. Our Crown Point Chapter 7 bankruptcy lawyers help you get a fresh start and reclaim your financial security. Facing Overwhelming Debt Problems? Filing A Chapter 7 Bankruptcy May Provide a Solution According to a recent Bank Rate report, the average American owes close to $100,000 in outstanding debts. This typically does not represent reckless spending, but rather what it costs in today’s world to obtain the products and services you need. Unfortunately, high-interest rates and other fees lenders charge increase the total amount you owe and make it difficult to ever pay off. Unexpected situations that arise in your life could cause you to miss minimum monthly payments, putting you even further behind. Examples include: Job losses; Reduction in hours or pay; Medical issues; The birth of a child; Having to help out other family members. While the situation may feel hopeless, it is important to be aware that there are options available. At Whitten & Whitten, our Crown Point Chapter 7 bankruptcy lawyers offer solutions to overwhelming debt problems. How Filing for Bankruptcy in Crown Point Can Help Dealing with unpaid outstanding debts is one of the most difficult situations you can face. This... --- > Whitten & Whitten can assist you if you are deep in credit card debt or have other major financial issues. Contact a Griffith Chapter 13 bankruptcy lawyer today. - Published: 2023-06-24 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/griffith-chapter-13-bankruptcy-lawyer/ Griffith Chapter 13 Bankruptcy Lawyer If you are in dire financial straits, your options are limited. When debt piles up tremendously and you cannot break free from it no matter how hard you try, then it may be time to consider bankruptcy. When it comes to consumer bankruptcy, there are two main types: Chapter 7 and Chapter 13. Many people opt for Chapter 7 bankruptcy because it is easier. But it is also meant for simple cases in which a person has very few assets. It discharges most debts (except for student loans, taxes, and child support) in just a matter of months. Chapter 13 bankruptcy is a little different. While it can get rid of unsecured debts, it also allows consumers to keep secured debts (like cars and houses) by creating a repayment plan. If you would like to keep these assets and have consistent income, then you may benefit from Chapter 13 bankruptcy. You can work with the court to create a repayment plan that is based on what you can afford. This option gives you more control and protects you from creditors throughout the process. How Can a Bankruptcy Lawyer Help Me? If you are struggling with credit card debt, medical debt, or other types of debt and cannot get your bills paid, then it is time to seek legal help. Here’s how a Chapter 13 bankruptcy lawyer can help you: Evaluate your financial situation. A lawyer can help you evaluate your financial situation and determine whether... --- > Bankruptcy stops creditor adverse actions, discharges debt, gives families a chance to catch up on bills, and otherwise gives debtors a fresh financial start. - Published: 2023-05-28 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/crown-point-bankruptcy-attorneys/ Crown Point Bankruptcy Attorneys The Hub of Lake County has a long and interesting history. The Grand Old Lady courthouse and bell tower, which dates back to the 1880s, is now a National Historical Landmark. John Dillinger escaped from jail here in 1934, supposedly with a carved-wood “pistol” he had covered with shoe polish. Adding insult to injury, Dillinger fled the scene in the county sheriff's new Ford V-8. Bankruptcy has a long and interesting history as well. Abraham Lincoln declared bankruptcy in 1833. He and a partner had high hopes for a general store, but the store never took off. Creditors seized Lincoln’s surveying gear and a horse, which were his only assets, and he repaid his creditors over the next seventeen years. Lincoln did not have the benefit of the modern Bankruptcy Code. But an experienced Crown Point bankruptcy attorney from Whitten & Whitten helps your family take full advantage of the Code. Its provisions, some of which are hidden, guarantee distressed debtors a fresh financial start. Benefits of Bankruptcy The Automatic Stay and asset protection are probably the two biggest benefits of bankruptcy. These benefits are not available anywhere else. Section 362 of the Bankruptcy Code makes this federal debt relief program very attractive to people facing adverse creditor actions like: Foreclosure, Creditor harassment, Eviction, Utility shutoff, Repossession, and Wage garnishment. The Automatic Stay prohibits all these creditor adverse actions and more. Debtors do not have to prove creditor negligence or fault to take full advantage of... --- > Bankruptcy stops creditor adverse actions, discharges debt, gives families a chance to catch up on bills, and otherwise gives debtors a fresh financial start. - Published: 2023-04-23 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/griffith-bankruptcy-lawyers/ Griffith Bankruptcy Lawyers People in Griffith work hard every day to pay their bills. Sometimes, unfortunately, hard work is not enough. The financial storms in life, such as divorce, serious illness, and job loss, affect almost everyone at some point. Since most people in Griffith have very little savings, these storms are usually overwhelming. If, for some reason, you have more debts than you can comfortably repay, you basically have two choices. You can hope things get better, or you can do something about it. The compassionate Griffith bankruptcy lawyers at Whitten & Whitten understand what you are going through. As mentioned, financial difficulties affect almost everyone at some point. That includes the people on our professional team. The Bankruptcy Code states that honest yet unfortunate debtors deserve a fresh start. Our Griffith bankruptcy lawyers help families just like yours make the most out of their fresh starts, so they can face the future with added confidence. Benefits of Bankruptcy The Automatic Stay, asset protection, and debt discharge are the three biggest benefits of bankruptcy. Bankruptcy starts with breathing room. Section 362 of the Bankruptcy Code usually kicks in as soon as debtors file their voluntary petitions. This provision blocks creditor adverse actions like: Repossession, Wage garnishment, Foreclosure, Creditor harassment, and Eviction. Creditors can only bypass the Stay if they receive special permission from the bankruptcy judge. It’s almost impossible to obtain such permission, especially if the debtor has a determined Griffith bankruptcy lawyer. Bankruptcy does more than give debtors... --- > Chapter 7 keeps creditors at bay, protects your assets, and discharges unsecured debt. Most people qualify for this form of consumer bankruptcy. If issues arise during the case, Dyer Chapter 7 bankruptcy attorney works hard to resolve them. - Published: 2023-03-28 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/dyer-chapter-7-bankruptcy-attorneys/ Dyer Chapter 7 Bankruptcy Attorneys A financial slide that leads to bankruptcy usually begins with a temporary income disruption, like a job loss or a divorce. During such emergencies, many people over-rely on credit cards. The average credit card interest rate is about 22 percent. So, this approach is not sustainable for more than a few weeks. After the emergency passes, the credit card bills keep piling up. Families in this situation can usually do one of two things. They can wait and hope things get better, or they can file for bankruptcy and take control of their own financial situations. The compassionate Dyer Chapter 7 bankruptcy attorneys at Whitten & Whitten understand that filing bankruptcy is difficult. Most of the people on our legal team have been in similar situations. So, we make things as easy as possible, starting with a thorough consultation that lays out the pros and cons of bankruptcy. Next, we take care of all the paperwork and run interference with your creditors. Then, when the case goes to court, we never stop fighting for you. Benefits of Bankruptcy The Automatic Stay, asset protection, and perhaps most importantly, in Chapter 7, debt discharge are probably the biggest benefits of bankruptcy. Credit card bill collectors are more aggressive than ever, thanks to a string of recent Supreme Court decisions that have whittled away at debtors’ rights. The Automatic Stay is usually the only way to stop: Creditor lawsuits, Repossession, Harassing phone calls, Foreclosure, and Wage garnishment. A... --- > Procedural defenses, like the statute of limitations, stop foreclosure proceedings in their tracks. Substantive defenses, like lender fraud, may be available as well. A foreclosure defense attorney near you leverages these defenses to obtain a successful outcome. - Published: 2023-02-21 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/foreclosure-defense-lawyer-near-me/ Foreclosure Defense Lawyer Near Me Indiana is one of the only judicial foreclosure states in the country. Before lenders foreclose on real estate loans, they must obtain court orders. A basic foreclosure claim that the owner is behind on payment is easy to establish. However, there are always extenuating circumstances. In many cases, these additional facts and circumstances could rise to the level of a legal defense. Generally, when lenders foreclose on real estate loans, they do not want to assume control of a vacant property and take over management responsibilities. They want the owner to remain in the property, care for the property, and pay the bills. Since both parties usually want the same thing, a foreclosure defense lawyer near you from Whitten & Whitten can generally, and successfully, resolve these matters. A successful resolution is even more likely if a legal defense might apply. Possible Defenses Procedural defenses are often very effective in foreclosure matters. Once a bank makes a procedural defense, there is no way the bank can go back in time and correct that error. Paperwork errors are very common. Banks must file certain legal documents in certain places in a certain order. A misstep in any area could derail the foreclosure process. These errors are especially common in electronic document submission matters. Banks often use this time-saving method. However, when push comes to shove, the original document, along with proof of filing in the proper place at the proper time, may be unavailable. The statute... --- > Chapter 7 and Chapter 13 bankruptcy include the strongest consumer protections in federal law. Dyer bankruptcy attorneys at Whitten & Whitten can help decide what the best option is for you. - Published: 2023-01-30 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/dyer-bankruptcy-attorney/ Dyer Bankruptcy Attorney Most people in Dyer like to live modestly and work hard. But working hard and saving money is not enough to weather the financial storms of life, such as divorce, high medical bills, and a sudden death in the family. Since many families have little or no savings, they often quickly sink beneath the waves in these situations. Usually, these families feel like there is no way out. At Whitten & Whitten, our Dyer bankruptcy attorneys offer these families a way out. Bankruptcy discharges credit cards, medical bills, and other unsecured debts. Additionally, bankruptcy gives these families up to five years to catch up on past-due mortgage payments and other secured obligations. Moreover, creditors cannot take adverse actions against these debtors while their cases are pending. So, families get the breathing room they need to rebuild their lives. Starting Your Claim Most people qualify for bankruptcy. All debtors must take two brief and inexpensive debt counseling courses. Additionally, Chapter 13 debtors must not owe more than $2. 5 million in combined secured and unsecured debts. Chapter 7 debtors must have incomes below the statewide average for that family size. Quite frankly, if your family’s annual income is substantially above the minimum, you probably do not need to file for bankruptcy. As soon as debtors file their voluntary petitions, Section 362 of the Bankruptcy Code prohibits adverse creditor actions, such as: Foreclosure, Wage garnishment, Repossession, Creditor harassment, and Eviction. Generally, the Automatic Stay remains in full force and... --- > Chapter 7 eliminates unsecured debts in as little as nine months. Chapter 13 gives families five years to catch up on past-due secured debt payments. Both forms of bankruptcy include the strongest consumer protections in federal law. Non-bankruptcy debt negotiation is also available. - Published: 2022-12-21 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/highland-bankruptcy-attorney/ Highland Bankruptcy Attorney This quiet Lake County township has been touched by Presidential greatness twice in its long history. In 1927, Calvin Coolidge gave the keynote address at the grand opening of Wicker Park, which is on the city’s west side. Years later, a few days before his 2008 election, Barack Obama held a rally in this same park which drew over 40,000 people. Times changed between 1937 and 2008, but family finances have not changed much. Then as now, families experience job loss, divorce, illness, and other financial storms, which, in many cases, drive them beneath the rolling waves. The experienced Highland bankruptcy attorneys at Whitten & Whitten have been helping families like yours since 2002, well before President Obama’s visit. Then, as now, filing for bankruptcy is usually much more involved than submitting paperwork. Only an attorney gives distressed debtors solid legal advice and helps them through a challenging period. Furthermore, only an attorney can stand up for your rights in court and speak for you during pretrial negotiation sessions. Debt Relief Options Most people qualify for Chapter 7 debt elimination bankruptcies and Chapter 13 repayment plan bankruptcies. Some non-bankruptcy options are available as well. All bankruptcy filers must take a pre-filing debtor education class and a post-filing budgeting class. These brief, inexpensive classes are usually available online. Chapter 7 filers must pass the means test. Their incomes must be below the statewide average for that family size. As of November 1, 2022, for an Indiana family of... --- > Bankruptcy is an effective remedy for addressing debt and opening the door to a positive financial future. However, because the process is difficult and the impacts are significant, you should consult with a bankruptcy attorney in Merrillville, IN, for assistance. - Published: 2022-11-22 - Modified: 2023-09-25 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-merrillville/ Bankruptcy Attorney Merrillville Many Americans are having difficulties making ends meet, and figures on consumer debt will tell you that you are not alone if you are struggling financially. According to the Federal Reserve, household debt in the US hit a staggering record of $16. 15 trillion in 2022. These statistics include amounts for residential mortgages, auto loans, credit cards, and student loans. When you are mired in debt and cannot see a way out, bankruptcy may be an option to consider. However, the process for bankruptcy is complicated, and there are consequences for your credit. It is essential to fully understand the proceedings so you can make informed decisions on what remedies are a good fit. Retaining knowledgeable legal counsel is critical, and you can trust Whitten & Whitten to guide you. Please contact us to set up a consultation with a bankruptcy attorney in Merrillville, and read on for a helpful summary. Bankruptcy Options for Consumers The details vary, but the US Bankruptcy Code provides two options for addressing household debt. Chapter 7 is termed ‘liquidation’ because the process involves assembling the debtor’s nonexempt property, selling it, and distributing the proceeds to creditors. The end result is the elimination of most types of unsecured debt. There are some matters that you cannot discharge through Chapter 7, such as child support, alimony, and past-due taxes. Chapter 13 focuses on repayment of your debts, so the case involves reorganizing what you owe into amounts that you can afford and pay... --- > Bankruptcy in Schererville, Indiana, will depend upon your current financial circumstances and your eligibility for different types of bankruptcy. To learn more about filing, you should contact a Schererville bankruptcy attorney. - Published: 2022-11-06 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-schererville/ Bankruptcy Attorneys Schererville Indiana Bankruptcy Lawyers Representing Clients in Schererville Bankruptcy law in Indiana is complex, and it is essential to work with experienced bankruptcy attorneys in Schererville on your case. When you are considering the possibility of filing for bankruptcy, you will want to work with a lawyer who can evaluate your circumstances and discuss your eligibility for different types of bankruptcy. Once you know what kind of bankruptcy petition you will file, it will be important to have an attorney in Indiana representing you at every stage of the bankruptcy process. At Whitten & Whitten, we serve clients in a wide range of bankruptcy cases and can speak with you today about your options. Common Schererville Bankruptcy Cases Our experienced bankruptcy attorneys in Schererville assist clients with many kinds of bankruptcy issues and cases, including but not limited to the following: Chapter 7 bankruptcy; Chapter 13 bankruptcy; Chapter 11 bankruptcy; Liquidation bankruptcy; Reorganization bankruptcy; Bankruptcy exemptions; Means test for liquidation bankruptcy; and Converting a bankruptcy case. Eligibility for Bankruptcy in Schererville, Indiana Your eligibility for bankruptcy will depend upon the type of bankruptcy you are planning to file for in Schererville, Indiana. Bankruptcy law in the United States has specific requirements for individuals seeking a liquidation bankruptcy under Chapter 7. Most importantly, for a consumer to be eligible to file for Chapter 7 bankruptcy, they will usually need to pass something known as the “means test” to prove that their assets and income are limited enough for a... --- > For many individuals seeking a way out from crushing debt, bankruptcy may be an option to place them back on solid financial ground. Legal representation is crucial, so get the help you need through St. John bankruptcy attorneys near me. - Published: 2022-10-02 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorneys-near-me/ Bankruptcy Attorneys Near Me Americans have been borrowing more in recent years than ever before, and while income is also on the rise, debt levels have reached historic proportions. According to the Federal Reserve, Americans owe almost 10% of their disposable income to various forms of household debt, including their mortgage, auto loans, credit cards, lines of credit, and student loans. If you are experiencing financial difficulties, you may be wondering about your options for getting out from under the weight of crushing debt. Bankruptcy is a powerful remedy for addressing debt, eliminating creditor harassment, and eventually opening the door to a debt-free future. It is not for everyone, but bankruptcy may be a smart move for getting back on solid financial footing. Our team at Whitten & Whitten will advise you on your options, so please contact us if you are wondering, “Who are the bankruptcy attorneys near me? ” It is also helpful to review some information about two forms that are available for individuals in your position. Types of Individual Bankruptcy The two most common forms of bankruptcy for addressing consumer and household debt include: Chapter 7: This type is familiarly known as “liquidation” or “straight” bankruptcy because: The process is straightforward, handling your debt and any payments to creditors within three to four months. Part of the process may involve paying off debt by selling eligible assets, i. e. , liquidating them. Chapter 7 is viewed as an extreme remedy because it does require you to... --- > Bankruptcy law in Northwest Indiana can involve a wide range of issues such as determining eligibility for Chapter 7 or Chapter 13 bankruptcy. The NWI bankruptcy attorneys Whitten & Whitten can help. - Published: 2022-09-04 - Modified: 2023-07-20 - URL: https://kmslawoffice.net/citystate/bankruptcy-attorney-crown-point/ Bankruptcy Attorney Crown Point Filing for bankruptcy allows certain qualifying individuals and businesses that are unable to meet their financial obligations to be absolved of some or all of their debts. The rules and procedures that go along with filing for bankruptcy are governed by federal law. In fact, individual states are prohibited from legislating in this area of the law, so if you are considering filing for bankruptcy, it is important to retain an experienced Crown Point bankruptcy attorney who is well-versed in federal law and is familiar with the process of filing for bankruptcy. Types of Bankruptcy Although there are a number of different types of bankruptcy proceedings, there are actually only two main kinds of bankruptcy, known as liquidation bankruptcy (Chapter 7) and reorganization bankruptcy (Chapter 13). The former requires filers to surrender certain non-exempt assets, which are then sold and the proceeds distributed to creditors. In exchange for agreeing to take this step, a person’s debts are permanently discharged. Reorganization bankruptcy, on the other hand, allows debtors to keep their assets, although they will then be required to enter into an installment plan, under which they must agree to repay creditors a portion of their debt. The Benefits of Filing for Bankruptcy Filing for bankruptcy comes with a number of benefits. For instance, Chapter 7 provides a complete discharge of unsecured debt, such as credit card debts and personal loans, while Chapter 13 bankruptcy allows debtors to keep their assets in exchange for making monthly payments... --- ---