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People may choose to file bankruptcy for many different reasons, ranging from job loss to an unsuccessful attempt to start a small business. However, when looking at the most commonly-cited reasons for personal bankruptcy filings, one issue stands out more than most others. Medical debts are…
Over the past decade, the way debt collectors can legally contact you has expanded. In the past, they were restricted to letters and phone calls. Today though, with ever-present digital technology, debt collectors have the legal authority to use what is available – including social media.…
Hospitals and other healthcare providers often try to develop a brand based on competence and compassion. Patients expect that those treating their medical concerns will truly want them to be as healthy as possible. Many modern doctors now employ a more holistic approach to health and…
The average person who obtains a mortgage to purchase a home intends to do everything in their power to make the payments on the property. After all, the house where someone lives is the collateral property for that mortgage, which means that missed payments can cost…
Times are tough right now, and a lot of people have exhausted their cash reserves just trying to cope with inflation. When a financial emergency happens, that can leave them without the immediate resources they need to handle the situation. That’s why many people turn to…
When filing for bankruptcy, particularly Chapter 7, you don’t need to sell all your property to pay creditors. Some properties are exempted from bankruptcy. However, while there are federal exemptions, each state, including Tennessee, has its own set of exemptions. Here is what you should know…
There are multiple reasons why someone might pursue a Chapter 13 bankruptcy instead of a Chapter 7 filing. Their income may be too high to qualify for Chapter 7 proceedings. They may have enough personal assets that they worry about the possible liquidation of some of…
People file for bankruptcy for many different reasons. Sometimes, what they need is immediate relief from aggressive collection efforts. If someone falls behind on credit card payments, for example, a company might sue them in an effort to garnish their wages. When what someone owes is…
Bankruptcy and wage garnishment are two areas of financial distress that often intersect. Wage garnishment is a court-ordered process where a portion of an individual’s earnings is withheld by an employer for the payment of a debt. Bankruptcy provides an avenue for individuals to handle insurmountable…
If you’re in what are meant to be your “golden years” and mired in debt, you’re not alone. Bankruptcy rates among Americans 65 and older have increased significantly in the past few decades. If you’re considering filing for bankruptcy to provide relief from the mountain of…
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