Indianapolis Bankruptcy Attorneys - Tom Scott & Associates

Bankruptcy office numbers - Indianapolis North and South 317-255-9915 and 317-786-6113

Bankruptcy Attorneys in Indianapolis, Indiana

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Tom Scott and Associates Bankruptcy Attorneys serving Indianapolis with offices located on the northside and southside of Indianapolis, Indiana.

Indiana Bankruptcy Chapters 7 & 13

The most common forms of bankruptcy used by most ordinary consumers are Chapter 7 and 13. In a common Chapter 7, the debtor (you) wipes out his or her debts without offering to pay on them. There are certain restrictions to Chapter 7 concerning amounts of property and income. In a Chapter 13, a debtor reorganizes his or her finances by paying some of the debt back over a three to five year period by making payments to the bankruptcy trustee. A Chapter 13 can be used to save homes from foreclosure, stop repossessions, deal with taxes, lower auto and furniture payments and protect property, which might be lost in Chapter 7. At Tom Scott & Associates we strive to fit you with the form of bankruptcy that will work best for your individual situation. If we don't think you should file at all, we will tell you so.

Bankruptcy and Lawsuits

Bankruptcy will stop nearly all lawsuits against you but only after your bankruptcy is filed and the court is notified in writing that you have filed bankruptcy. You must provide the attorney with complete information about all lawsuits you are involved in, including copies of any court papers.
It is possible that during or even after the bankruptcy one or more of your creditors may file a lawsuit against you. You must get the papers to the attorney immediately to protect your rights. A delay may cause you to waive (lose) a defense to the lawsuit called discharge in bankruptcy. Please pick up any certified mail you get because it might be a lawsuit.
You will not have to go to court for these lawsuits unless the attorney tells you to go. However, bankruptcy will not stop criminal, traffic, divorce, or support cases and you must go to court on those.

Bankruptcy and Garnishments

Bankruptcy will stop garnishments against you, but only after your employer is notified in writing about the bankruptcy. Note: the money already garnished cannot be refunded.

Indianapolis Bankruptcy Office Location (North)
Map to Tom Scott & Associates Bankruptcy Law Office 6100 N. Keystone Avenue Suite 454 - Near Broad Ripple Ave - East 62nd St. - Glendale Shopping Center, Fall Creek, East Kessler Blvd.

From 465 North exit Keystone Ave. and go South just past 62nd steet. Office building will be located on the right.
From Fall Creek you can go North on Keystone Ave just past Kessler Blvd. Office building will be on the left. (2nd light passed Kessler).
From I-70 exit Keystone Ave North, follow all the way past Fall Creek and Kessler Blvd.(about 10 miles)

Indianapolis Bankruptcy Office Location (South)
Click this link for a map of our South Indianapolis bankruptcy office location.
South Indy: 5140 Madison Avenue Suite 1B Indianapolis, Indiana 46227
What to Bring to Your FREE Initial Consultation with Bankruptcy Lawyers
  • Try to bring a list of who you owe, and how much you owe.
  • It is helpful to bring addresses for each creditor, although you may not need this for the initial consultation.
  • You should also bring any notices from courts that you have received.

Filing bankruptcy can remain on your credit for 7-10 years. This does not mean you cannot get credit for that amount of time. Some people bounce back very quickly, and are able to get credit soon after the bankruptcy discharge. Whether or not you are granted credit in the future depends on many factors. Such as:

  • Status of Employment
  • Earnings Level
  • Length of Employment
  • Stability of Residence
  • The amount of debt you have at the time of the credit application
  • Whether you have filed bankruptcy before

 

Call 317-255-9915 today to schedule your Free consultation with our knowledgable staff and expert bankruptcy attorneys.

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6100 North Keystone Avenue Suite 454 Indianapolis, Indiana 46220 | ph: 317-255-9915

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Indianapolis Bankruptcy Law Office of Tom Scott