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Richard Shea
About | Practice Areas
Sawin & Shea LLC
6100 North Keystone Ave. Suite 620 Indianapolis, IN 46220Â» view map
Bankruptcy
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800-948-4710
1. Richard Shea Indianapolis, IN
  Attorney at Law - IN, 1999
  Indiana University J.D. 1998
2. AboutSawin & Shea LLC
  Over 30 years of bankruptcy service experience.
3. Practice AreasExpertise
  Bankruptcy
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William L. O'Connor

Children's Rights, Insurance, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

One American Square, Indianapolis, IN 46282

Paul J. Dunne

Credit & Debt, Foreclosure, Intellectual Property, Lending

Status: In Good Standing

CONTACT

One Indiana Square, Indianapolis, IN 46204

Sean T White

Construction, Litigation, Corporate, Credit & Debt

Status: In Good Standing

CONTACT

111 Monument Circle, Indianapolis, IN 46244

Katherine Elisabeth Carlton

Litigation, Civil Rights, Credit & Debt

Status: In Good Standing Licensed: 10 Years

CONTACT

4545 Northwestern Dr, Zionsville, IN 46077

Andrew Perry Wirick

Divorce & Family Law, Criminal, Credit & Debt, Medical Malpractice

Status: In Good Standing Licensed: 38 Years

CONTACT

3766 Totem Lane, Indianapolis, IN 46208

Tene Saran Wright

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

7474 Holliday Dr E, Indianapolis, IN 46260

Tene' S. Wright

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

7474 Holliday Dr E, Indianapolis, IN 46260

Tene S. Wright

General Practice

Status: In Good Standing Licensed: 24 Years

CONTACT

7474 Holliday Dr E, Indianapolis, IN 46260

Cynthia Michelle Reese

Credit & Debt, Litigation

Status: In Good Standing Licensed: 27 Years

CONTACT

One American Square, Indianapolis, IN 46204

Matthew Wentworth Conrad

Credit & Debt, Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

101 W Ohio St, Indianapolis, IN 46204

800-923-0641

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LEGAL TERMS

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

LOSS DAMAGE WAIVER (LDW)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it ofte... (more...)

Rental car insurance that makes the rental car company responsible for damage to or theft of a rental car. This insurance is a major consumer ripoff, as it often duplicates coverage provided by the renter's regular car insurance and/or the credit card she uses to rent the car. Nevertheless, hard-sell practices by rental car agents often dupe people into buying LDWs they don't really need. LDW is also called 'collision damage waiver.'

CHAPTER 13 PLAN

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to ... (more...)

A document filed in a Chapter 13 bankruptcy in which the debtor shows how all of his or her disposable income will be used over a three- to five-year period to pay all mandatory debts -- for example, back child support, taxes, and mortgage arrearages -- as well as some or all unsecured, nonpriority debts, such as medical and credit card bills.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

TOXIC TORT

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and su... (more...)

A personal injury caused by exposure to a toxic substance, such as asbestos or hazardous waste. Victims can sue for medical expenses, lost wages and pain and suffering.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

SAMPLE LEGAL CASES

Home Depot USA v. IND. DEPT. STATE REV.

... (See Pet'r Br. at 18-20.). The Department argues, on the other hand, that in order for Home Depot to receive the deduction, Home Depot was required to write off the credit card accounts as uncollectible debt for federal tax purposes. ...

Smither v. Asset Acceptance, LLC

... exchange, or other written contracts for the payment of money executed after August 31, 1982, must be commenced within six (6) years after the cause of action accrues." We are not convinced, however, that this statute of limitations applies to attempts to collect credit card debt. ...

Bank of America, NA v. Ping

... terminate the Credit Agreement. However, after proceeds from the Bank of America Mortgage had been used to pay the balance owed on the credit, Ping incurred more than $76,000 in additional debt under the Credit Agreement. ...

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North Salem Credit & Debt Lawyer, Indiana

Sponsored Law Firm

Sawin & Shea LLC

SPONSORED LAWYERS

William L. O'Connor

Paul J. Dunne

Sean T White

Katherine Elisabeth Carlton

Andrew Perry Wirick

Tene Saran Wright

Tene' S. Wright

Tene S. Wright

Cynthia Michelle Reese

Matthew Wentworth Conrad

TIPS

LEGAL TERMS

ABUSE

LOSS DAMAGE WAIVER (LDW)

CHAPTER 13 PLAN

SECRET WARRANTY PROGRAM

TOXIC TORT

DOING BUSINESS AS (DBA)

FAIR CREDIT BILLING ACT (FCBA)

TRUTH IN LENDING ACT (TILA)

INTEREST

SAMPLE LEGAL CASES

Home Depot USA v. IND. DEPT. STATE REV.

Smither v. Asset Acceptance, LLC

Bank of America, NA v. Ping

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