Murfreesboro Bankruptcy Attorney
Guiding You Toward Long-Term Debt Relief
If your debts have gotten out of control and debt collectors are threatening you with wage garnishment and other serious consequences, filing Chapter 7 bankruptcy lawyers may be an option that allows you to gain financial independence and make a fresh start.
At The Law Offices of James Flexer, our Nashville Chapter 7 bankruptcy lawyers are dedicated to working one-on-one with clients to help them make informed decisions about Chapter 7 bankruptcy. Don't hesitate to contact us at our offices in Nashville, Murfreesboro and Columbia to set up a free consultation.
Is Chapter 7 Bankruptcy the Right Solution for You?
Many circumstances can make it impossible for people to balance their debt payments with their regular living expenses. Medical problems, job loss and divorce are common factors that lead people to consider Chapter 7 bankruptcy lawyers.
Filing Chapter 7 bankruptcy gives you immediate relief from debt collection phone calls and wage garnishment. At the end of the process, the bankruptcy court can discharge (permanently eliminate) certain types of unsecured debt, including the following:
- Medical debts: Bills from doctors, hospitals and other medical providers that are not covered by insurance are a major reason why people file Chapter 7.
- Credit card debts: It is easy for credit card balances to get out of hand to the point where you cannot make your minimum payments. Chapter 7 offers a fresh start.
- Unpaid rent: If your landlord is suing you for back rent or has already gotten a judgment against you, Chapter 7 can help.
- Deficiency balances: If you have lost a home to foreclosure or a vehicle to repossession, Chapter 7 can eliminate any additional money you still owe.
- Personal injury judgments: If you had a car wreck without insurance, Chapter 7 can discharge your financial responsibility so you can regain your driver's license.
Not everyone qualifies for Chapter 7 bankruptcy. Your monthly income and expenses will determine whether you are eligible to file. If not, Chapter 13 bankruptcy may still be an option.
Even if you qualify, it is important to plan carefully in order to take advantage of Tennessee's exemptions so that your home, vehicle or other assets are not sold off to repay your creditors. To discuss your Chapter 7 concerns with a knowledgeable lawyer, contact us today.
To learn more, read our additional information for Chapter 7 debtors.
