Murfreesboro Bankruptcy Lawyer
Creditor notices tend to be written in strong language. Often, in fact, the tone of collection letters is so aggressive that people assume the creditor is just trying to scare them and won't really take them to court.
If you have been receiving threatening collection letters, or if you have already received a court summons and complaint notifying you that a lawsuit has been filed against you, talk to a bankruptcy attorney as soon as possible.
At The Law Offices of James Flexer, we can act quickly to protect your interests and stop creditors from taking further action against you or your assets. To learn more, contact us for a free consultation with an experienced wage garnishment and bankruptcy lawyer at our Nashville, Murfreesboro or Columbia, Tennessee, law offices.
Nashville Bankruptcy and Consumers' Rights Attorneys
The state of Tennessee is aggressively pro-creditors' rights. What that really means is that creditors have many options to choose from when attempting to collect a debt, including:
- Wage garnishments: Tennessee courts may allow creditors to garnish up to 25 percent of your wages.
- Judgment liens: Creditors may also seek to have a court place a lien on your home or on other valuable pieces of real property. This basically allows a creditor to turn an unsecured debt into a secured debt, which is much harder to erase.
- Bank account levies: Creditors can also levy your bank accounts, even if the accounts are held jointly with a spouse or other party who doesn't owe the creditor anything.
Creditors go to court and obtain judgments against consumers every day. They're generally very good at it, which gives them a huge advantage when dealing with individuals who are not represented by an attorney. In other words, do not give creditors any more of an advantage than our state's laws already give them by trying to handle a collection matter that has reached the lawsuit stage.
Our experience can level the playing field. In fact, according to the federal government's Public Access to Court Electronic Records (PACER) system, our law firm consistently files more bankruptcy attorney petitions than any other firm in the Middle District of Tennessee.
Whether you will ultimately be able to permanently avoid or stop wage garnishment, foreclosure or repossession depends on the details of your financial circumstances and bankruptcy case. Don't hesitate to contact us to discuss your options.
