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chapter 13 bankruptcy Archives

Common tactics debt collectors use that are illegal

There are a lot of indignities that people in Nashville with insurmountable debt may face. Being contacted by a collection agency for a debt you cannot pay is bad enough. But when debt collectors resort to using sneaky or offensive tactics to try to get to you to pay, it can be extremely disheartening. At Rothschild & Ausbrooks, PLLC, we understand the stresses associated with being in debt and are strongly invested in protecting our clients’ rights.

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.

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.

How are debts prioritized in Chapter 13?

If you have reviewed your debt relief options and have decided that you want to repay as much debt as you can and keep your assets, then Chapter 13 is likely going to be your best option. This plan gives people the tools they need to reorganize debt and establish a plan with creditors to repay some or all debt over time.

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

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