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Richard Shea
About | Practice Areas
Sawin & Shea LLC
6100 North Keystone Ave. Suite 620 Indianapolis, IN 46220Â» view map
Bankruptcy
Quality, Compassionate Representation

Let us help you relieve stress from debt now.

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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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

William L. O'Connor

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

Status: In Good Standing

CONTACT

One American Square, Indianapolis, IN 46282

James Edward Rossow

Electronic Commerce, Credit & Debt, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing Licensed: 26 Years

CONTACT

135 N Pennsylvania St, Indianapolis, IN 46204

Angela M. Hopper

Litigation, Credit & Debt, Employment, Bankruptcy

Status: In Good Standing

CONTACT

47 S. Pennsylvania Street, Indianapolis, IN 46204

Cynthia Michelle Reese

Credit & Debt, Litigation

Status: In Good Standing Licensed: 27 Years

CONTACT

One American Square, Indianapolis, IN 46204

Melissa J. De Groff

Foreclosure, Credit & Debt, Business & Trade, Bankruptcy

Status: Inactive Licensed: 32 Years

CONTACT

11 S Meridian St, Indianapolis, IN 46204

Samuel David Hodson

Litigation, Credit & Debt, Bankruptcy & Debt

Status: In Good Standing Licensed: 38 Years

CONTACT

One American Square, Indianapolis, IN 46282

Caroline Ellona Richardson

Credit & Debt

Status: In Good Standing Licensed: 15 Years

CONTACT

One American Square, Indianapolis, IN 46282

Sarah Lynn Fowler

Real Estate, Litigation, Business & Trade, Credit & Debt

Status: In Good Standing Licensed: 12 Years

CONTACT

342 Massachusetts Avenue, Indianapolis, IN 46204

800-923-0641

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LEGAL TERMS

FCBA

See Fair Credit Billing Act.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

SUBROGATION

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off i... (more...)

A taking on of the legal rights of someone whose debts or expenses have been paid. For example, subrogation occurs when an insurance company that has paid off its injured claimant takes the legal rights the claimant has against a third party that caused the injury, and sues that third party.

FCRA

See Fair Credit Reporting Act.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

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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Greenwood Credit & Debt Lawyer, Indiana

Sponsored Law Firm

Sawin & Shea LLC

SPONSORED LAWYERS

Paul J. Dunne

Sean T White

William L. O'Connor

James Edward Rossow

Angela M. Hopper

Cynthia Michelle Reese

Melissa J. De Groff

Samuel David Hodson

Caroline Ellona Richardson

Sarah Lynn Fowler

TIPS

LEGAL TERMS

FCBA

CHAPTER 7 BANKRUPTCY

SUBROGATION

FCRA

GUARANTOR

DEBT COLLECTOR

COSIGNER

COLLECTION AGENCY

CURRENT MONTHLY INCOME

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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