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Bankruptcy Attorneys in Indianapolis Since 1980

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Wage Garnishment

How Bankruptcy Affects Student Loan Debt and Car Loan Interest Rates

May 15, 2017 By TomScottLaw

How Bankruptcy Affects Car Loan Interest Rates

As a result of the recent rise of the prime rate, vehicle loans included in Chapter 13 bankruptcy plans can have a higher interest rate than in the past few years. Despite the resurgent economy, single mothers are still vulnerable to financial difficulties. Student loans cannot be eliminated by filing for bankruptcy, but one of […]

Filed Under: Chapter 13, Misperceptions, Non-Dischargable Debt, Student Loans, Vehicles, Wage Garnishment Tagged With: Administrative Garnishment, Final Order in Garnishment, Motion for Proceedings Supplemental to Judgment, nondischargeable debt, Pro Rata Distribution

Bankruptcy Can Affect a Divorce Settlement / Advantages, Disadvantages, and Misunderstandings of Bankruptcy

December 14, 2016 By TomScottLaw

Bankruptcy Can Affect a Divorce Settlement

You can use a Chapter 13 plan to catch up on child support arrearage or spousal maintenance support (alimony) arrearage. If you have received a Chapter 7 bankruptcy discharge, you may still be obligated to relinquish to the bankruptcy trustee assets you receive in the future, such as your next tax refund check, a pending […]

Filed Under: Exemptions, Marriage & Divorce, Misperceptions, Wage Garnishment

Common Reasons People File for Bankruptcy

October 5, 2016 By TomScottLaw

Uninsured medical bills resulting in lawsuits and threats of legal action or garnishment are common reasons for bankruptcy these days. Divorce is also a reason for many bankruptcies—a high percentage of the people who file for bankruptcy protection are single mothers. In a Chapter 13 bankruptcy, a conduit case refers to making mortgage payments through […]

Filed Under: Chapter 13, Medical Bills, Stop Harassment by Creditors, Wage Garnishment

Divorce and Child Support Can Impact a Bankruptcy

June 7, 2016 By TomScottLaw

Divorce is one of the major causes of bankruptcy. If your divorce agreement includes child support payments, your ex-spouse can play a significant role in determining whether or not your bankruptcy will be discharged. We recently discussed several aspects of bankruptcy with Christopher Holmes and Jess M. Smith, III, partners at Tom Scott & Associates, […]

Filed Under: Chapter 13, Chapter 7, Marriage & Divorce, Wage Garnishment Tagged With: Child Support, Indiana Child Support Collection Unit, Indiana Support Enforcement and Tracking Number

What happens if I do not declare bankruptcy?

July 5, 2013 By TomScottLaw

Our office often works with creditors to try and negotiate a lower settlement on claims and has reached great success. Our office oftentimes has a greater success in non-bankruptcy workouts because the threat of bankruptcy is always on the creditors mind when we negotiate. Creditors know that our office has filed thousands of bankruptcies and […]

Filed Under: Credit Score, Creditors, Foreclosure of Home / House / Real Estate, Property & Asset Protection, Questions About Bankruptcy, Wage Garnishment

Will my paycheck be garnished?

July 5, 2013 By TomScottLaw

In most Chapter 7 bankruptcy cases, your wages cannot be garnished. Exceptions exist, such as past-due child support. If you have a job and do need to declare bankruptcy, Chapter 13 might be a better choice. Learn more at Chapter 7 vs. Chapter 13. Be sure you understand all of the ramifications of filing for […]

Filed Under: Personal Bankruptcy in Indiana, Questions About Bankruptcy, Wage Garnishment

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Indianapolis, IN 46227
Phone: 317-786-6113

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EAST INDIANAPOLIS OFFICE
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Indianapolis, IN 46219
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  *Disclosure required by 11 U.S.C. § 528(a)(3): We, the law office of Tom Scott & Associates, P.C., are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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