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Free Initial Consultation: 888-376-0282 Local:423-933-1606
Some people file for bankruptcy and swear off credit cards. They cut up the cards that they own and they say they will never get more in the future. The reason for this is likely that they blame those credit cards for their overwhelming debt. Maybe…
If you are considering a Chapter 7 bankruptcy, you may dream of a future without financial hardships. Since access to credit is more of a necessity than a luxury, many filers wonder when they can obtain credit again – and if they should. Unfortunately, the many…
In a Chapter 7 bankruptcy in Tennessee, understanding the distinction between exempt and non-exempt property is crucial for filers. This categorization determines which assets the filer can automatically retain through bankruptcy. Exemptions are provided by both Tennessee state law and federal law, although Tennessee requires filers…
Credit card debt is one of the most predatory and insidious lending systems currently permitted in the United States. With the exception of payday lenders or check-cashing services, credit card companies charge the highest interest rates and most exorbitant fees of any lenders in the country.…
It’s well known that medical debt is one of the top reasons for bankruptcy in the United States. In other countries, citizens benefit from tax-funded healthcare, so they don’t have to privately pay for all of these expenses. But in the United States, the majority of…
The average cost of a motor vehicle has increased significantly in recent years. More complicated systems in vehicles and used car shortages have combined to drive up what people pay for transportation. With higher vehicle costs come more financed transactions. Those in need of new vehicles…
Payday loans are a controversial form of borrowing that has garnered a predatory reputation. These loans have incredibly high interest rates and fees, which can be significantly higher than those of more conventional lending options. The structure of payday loans often leads borrowers into a detrimental…
The average person’s beliefs about bankruptcy are not as grounded in reality as one might think. A surprising number of people assume that irresponsible financial management is the leading cause of personal bankruptcy. They hear new stories about people carrying high levels of credit card debt…
For many consumers, understanding wage garnishments and their implications is important. This knowledge is always important, but it can become particularly pressing when someone is considering bankruptcy as a potential solution to halt garnishments. Wage garnishment is a legal procedure where an employer withholds a portion…
During your application process for a wage earner’s plan, there is a court proceeding in which a bankruptcy judge will decide if you qualify for Chapter 13 bankruptcy. At this confirmation hearing, the judge presiding over your case will review your proposal to repay your creditors.…
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