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What does the means test mean for my bankruptcy filing?

If you are struggling with overwhelming debt and feel like you are at the end of your rope, you may be aware of the benefits of bankruptcy and aware of how it could help you escape your current hopeless situation. However, outside of knowing the very basics about how this process works, you may be unsure as to which chapter of consumer bankruptcy is best for you or how to take the first steps.

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. 

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.

Disputing the stigma surrounding the bankruptcy process

No one wants to file for bankruptcy, yet it can actually be a positive, beneficial step for many individuals facing insurmountable debt. Bankruptcy is largely misunderstood, and there is a negative stigma associated with walking through this potentially necessary process. From the thought of losing your property to getting rid of debt, you may have many questions and concerns about how it works. 

A healthier financial future isn't a myth, it's a possibility

Personal debt can come in many forms, each of which can be challenging to overcome. When considering debt, your first thought might lean toward overspending or mismanagement of finances. However, there are numerous factors that can contribute to financial struggles, some of which could be unavoidable.

Payday loans are no pot of gold at the end of the rainbow

Payday loans are tempting, especially if you have reached your stress level over being broke. The lure of quick cash may be too tempting to resist, especially due to its simplicity. You request an amount of money, typically less than $500, and the lender verifies your income. Within a few hours, you have money in your hand.

If I file for Chapter 7 bankruptcy, what will I have to give up?

Filing for bankruptcy is never an easy decision, and there are many reasons why Tennessee consumers are hesitant to take this step. There are many negative connotations associated with bankruptcy, but in reality, it is a smart step for many individuals who find themselves overwhelmed by debt.

Don't panic about debt. Calmly check out your options.

Constantly dealing with overwhelming debt can have an extremely detrimental effect on a person's quality of life. Credit card debt and medical expenses are just two examples of debts that put a multitude of individuals through periods of financial struggle. Perhaps you are suffering under similar financial circumstances, and you may be wondering about available options for relief.

How long must you wait before filing bankruptcy again?

Are you feeling overwhelmed by debt…again? If you know you need to file for bankruptcy but already have one on your record, you are not alone. There are millionaires in this country who have filed multiple times. While there certainly are cases when the individual is irresponsible, for many people, a sudden, unexpected setback like losing a job or suffering high medical expenses can become a devastating financial burden, no matter how carefully they live.

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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