Lady with scale — Lawyer in Hammond, IN
 

Stopping Creditors With Effective Debt-Relief Options

Wage garnishments, repossessions, foreclosures, harassing phone calls at home or work and tax levies are common reasons people call attorney Ricardo B. Casas in Hammond for effective guidance and representation to stop bill collectors in their tracks.
 
 
Filing for bankruptcy stops many forms of bill collection efforts, including:

  • Mortgage foreclosures: Attorney Ricardo B. Casas will explain your legal options to stop foreclosure lawsuits and sheriff's sales and to save your home. Timing is critical. The bankruptcy petition must be filed before the day of the sheriff's sale.
  • Real estate tax sales and tax levies: Tax problems can be daunting. The Bankruptcy Code offers many solutions to past due tax troubles. Our founding lawyer has more than 38 years of experience in solving debt problems. He will fully explain how bankruptcy relief can stop real estate tax sales in Indiana, can save your real estate, even if the tax sale has occurred, but the tax deed has not been issued, stop tax levies on your bank account and wages or potentially eliminate state or federal tax debtsthat are more than three years old. Past due taxes that are not dischargeable may be addressed through a Chapter 13 restructuring.
  • Creditor lawsuits: Bill collection agencies, creditors and lawyers often file lawsuits against individuals to obtain a judgment. Once judgment is entered on a debt, the judgment creditor can place liens on your property and seek to garnish your wages.
  • Car and truck repossessions: When an individual is unable to keep current on a vehicle loan, the bank will frequently repossess the vehicle. If you are facing repossession, or have already had your vehicle taken, I can advise you about your legal options. Filing for bankruptcy may allow you to retain your vehicle, if it has already been repossessed, as long as the creditor has not sold it.

Fear of the unknown may be one of the most powerful reasons why an individual continues to struggle with debt. When collection efforts are escalated, it is important for you to fully understand your options. Whether you have high credit card debt, past due medical bills or other debt problems, we can help stop creditor harassment.
 

Stop Real Estate Tax Sale

A Chapter 7 and a Chapter 13 bankruptcy can STOP the real estate tax sale.

A Chapter 13 bankruptcy can usually give you up to sixty (60) months to get caught up with your delinquent real estate taxes, usually with no interest, in Lake County, Indiana. Therefore you can keep your real estate.

If your real estate has already been sold at a tax sale but the redemption period has not expired, a Chapter 13 bankruptcy can usually give you up to sixty (60) months to pay your delinquent real estate taxes and any surplus paid by the individual or corporation that bought your real estate at the tax sale. Therefore you can keep your real estate.

Stop Garnishments

A Chapter 7 and a Chapter 13 bankruptcy can stop the garnishments and/or the future garnishments of your earnings as well as the seizure and/or the continued seizure of monies held in your savings and checking accounts as well as any other financial accounts.

Stop Foreclosure Lawsuit

A Chapter 7 and a Chapter 13 bankruptcy can both STOP foreclosures from being filed or if already filed, STOP the continuation of the foreclosure proceeding.
  1. A Chapter 13 bankruptcy can usually give you sixty (60) months to get caught up on missed mortgage payments, legal fees and costs, usually without interest; therefore you can keep your real estate.
  2. A Chapter 13 bankruptcy can ELIMINATE the amount owed on your second (2nd) mortgage, home equity loan or home improvement loan; if you owe more on your first (1st) mortgage than what your house is worth, you can still keep your real estate.
  3. A Chapter 7 bankruptcy can ELIMINATE your entire mortgage balances, including past due mortgage payments and legal fees, if you no longer want to keep your real estate.

Federal And/Or State Taxes

If you filed your tax returns on time, you can usually ELIMINATE federal and/or state taxes that are more than three (3) years old.

If you owe federal and/or state taxes for the past three (3) years, a Chapter 13 bankruptcy can give you up to sixty (60) months to pay them, usually without any interest, unless they filed a tax lien.

If you were required to file federal and/or state tax returns but you didn't, the court may ask you to file them, and if you owe any taxes during the past three (3) years, a Chapter 13 bankruptcy can give you up to sixty (60) months to pay them. The other taxes owed for the other years may not have to be paid in these sixty (60) months, but they won't be discharged/forgiven.

Stop Auto Repossessions

A Chapter 7 and a Chapter 13 bankruptcy can stop the repossession of any vehicle.
  1. If your vehicle has already been repossessed, but not sold yet, a Chapter 13 bankruptcy can usually have it available for you to pick up, within twenty-four (24) hours.
  2. A Chapter 13 bankruptcy can usually give you an additional sixty (60) months to pay the balance or the market value of your vehicle, if you've had it for at least (910 days/30 months) whichever is less, and as of May 5, 2016, at 5.25 percent annual interest, even if your contract rate is greater. The preceding will usually result in a lower monthly vehicle payment.
  3. If you've had the vehicle for less than (910 days/30 months) whichever is less, the principal/payoff balance must be paid, usually in next the (60) months, and as of May 5, 2016, at 5.25 percent annual interest, even if your current rate is greater. The preceding usually results in a lower monthly vehicle payment.

Stop Tax Levies

A Chapter 7 and a Chapter 13 bankruptcy can STOP the levy and/or the further levy of your earnings as well as the levy and/or the continued levy of monies held in your savings and checking accounts, as well as any other financial accounts.

Eliminate Debts

  1. A Chapter 7 or a Chapter 13 bankruptcy can usually ELIMINATE your obligations to pay the balances owed on your credit cards, medical bills and personal loans, as well as MOST debts that you co-signed.
  2. The preceding is true even if a court has already issued an order that you pay the credit cards, medical bill(s) and/or personal loan, as well as most debt(s) that you co-signed.
  3. The preceding is true even if you are already being garnished or the monies held in your bank accounts have already been seized.
  4. The preceding is true even if you have already entered into an oral or written agreement to pay them.

Auto Repossessed? Get It Back.

  1. If your vehicle has already been repossessed, but not yet sold, a Chapter 13 bankruptcy can usually have it available for you to pick up, within twenty-four (24) hours.
  2. A Chapter 13 bankruptcy can usually give you an additional sixty (60) months to pay the balance or the market value of your vehicle if you've had it for at least (910 days/30 months) whichever is less, and as of May 5, 2016, at 5.25 percent annual interest, even if your contract rate is greater. The preceding will usually result in a lower monthly vehicle payment.
  3. If you've had the vehicle for less than (910 days/30 months), the principal/payoff balance must be paid, usually in next the sixty (60) months, and as of May 5, 2016, at 5.25 percent annual interest, even if your current rate is greater. The preceding usually results in a lower monthly vehicle payment.

Stop Sheriff Sales

A Chapter 7 and a Chapter 13 bankruptcy can both STOP sheriff sales.
  1. A Chapter 13 bankruptcy can usually give you sixty (60) months to get caught up on missed mortgage payments, legal fees and costs, and usually without interest.
  2. A Chapter 13 bankruptcy can ELIMINATE the amount owed on your second (2nd) mortgage, home equity loan or home improvement loan, if you owe more on your first (1st) mortgage than what your house is worth.
  3. A Chapter 7 bankruptcy can ELIMINATE your entire mortgage balance, including past due mortgage payments and legal fees, if you no longer want to keep your real estate.
 
El abogado habla español.
The law office of Ricardo B. Casas is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.