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July 2017 Archives

What is the automatic stay and how can it help you?

One of the most overwhelming aspects of having a significant amount of debt is the threat that this can have on your property and your way of life. Missed payments and outstanding balances will eventually lead to calls from Tennessee creditors, even harassment, and you may feel that there is no way out of your current situation. 

What debts can I include in a Chapter 7?

If you are one of the many people in Tennessee who is struggling to make ends meet and to keep up with your bills, you may be wanting to consider bankruptcy. A Chapter 7 bankruptcy plan may well provide you wiht the level of debt relief that you need in order to start over with a clean slate and get back on a positive financial footing. However, before you rush into the decision to file for bankruptcy, it is important for you to know that not every type of debt is able to be discharged with a bankruptcy.

Credit card basics: what every consumer should know

Credit cards are widely available these days to anyone who lives in the Nashville area. While millions of people use their credit cards frequently, not everyone has a full understanding of how they work. Credit card use has been on the rise over the last several years, reports CNBC. Credit accounts have reached over $1 trillion, making it a significant part of the debt load held by households throughout the country. Whether just starting out using credit or recovering from past financial struggles, having some basic knowledge about how credit card companies function can go a long way toward preventing future trouble.

A look at the financial struggles faced by middle-class families

To those looking in from the outside, it may seem like only people in Nashville who are poor or have very low incomes would be plagued by debt and considering filing for bankruptcy. However, overwhelming financial struggles are increasingly becoming the bane of those who are considered middle-class.

Weighing your options when dealing with the burdens of debt

If you are constantly dealing with the burdens of debt, you are not alone. Countless individuals have experienced similar struggles at some point in life. Although knowing that others feel your pain might not actually help, you may be able to find solace in the fact that many have overcome these struggles through various forms of debt relief.

Rate of bankruptcy filings is once again on the rise

Reaching the decision to file for bankruptcy is never an easy one for people in Nashville. Many people worry about the stigma associated with bankruptcy but it can also have many benefits. Having debts discharged and being able to start over financially are often well worth it.

Chapter 7 versus Chapter 13 bankruptcy

Types of bankruptcy are usually referred to by chapter number. A bankruptcy's chapter refers to the part of the federal bankruptcy code an individual uses to restructure his or her debts and assets. There are several types of federal bankruptcy that people can choose from. A Tennessee bankruptcy attorney can help explain the differences and help individual clients determine which type is right for their needs.

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Rothschild & Ausbrooks, PLLC
1222 16th Avenue South, Suite 12
Nashville, TN 37212

Toll Free: 866-656-8909
Phone: 615-866-2265
Fax: 615-242-2003
Nashville Bankruptcy Office