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August 2015 Archives

What is the role of the trustee in Chapter 13 bankruptcy cases?

Sometimes, those in Tennessee, and elsewhere, who are facing overwhelming debt, choose to file for Chapter 13 bankruptcy. In addition to the person filing, there are a number of people involved in the process, including the bankruptcy trustee. An often-overlooked cog in the bankruptcy wheel, bankruptcy trustees play an integral role in the implementation and completion of Chapter 13 repayment plans.

Foreclosure crisis waning, despite rate of homes in foreclosure

For any number of reasons, people in Tennessee, and throughout the U.S. may fall behind on their mortgage payments. As a result, their mortgage lenders could choose to foreclose, putting their homes in jeopardy. With the decline of the housing market and economy came an increase in foreclosures as many people experienced financial challenges due to unemployment, decreased income and other factors.

Dealing with debt: Credit Counseling or Chapter 7 bankruptcy?

The loss of a job, an unexpected injury or illness, or any other number of factors may cause people in Tennessee to struggle with debt. When looking to regain control of their finances, many look to debt relief options, including credit counseling and declaring Chapter 7 bankruptcy. It is important for people to understand the differences between these options in order to determine which is best suited for their needs and situation.

When does debt collection become harassment?

If you are like many people in Tennessee, and elsewhere, who are struggling with credit card debt, then debt collectors have likely contacted you. While it is the job of these agencies to get you to pay the amounts owed on your accounts, there are limits to the methods they can use. The Fair Debt Collection Practices Act, or FDCPA, prohibits certain collection practices, which are considered abusive, deceptive or unfair.

Medical debts commonly lead to Tennessee bankruptcy filings

Whether for planned care, or unexpected illnesses or injuries, medical expenses can add up quickly in Tennessee, and elsewhere. Often, you may find yourself unable to keep up with these bills. We are often asked about debts resulting from medical bills at Rothschild & Ausbrooks, PLLC. As such, we will discuss how these expenses may become overwhelming, and what you can do to regain control of your finances in this post.

Can you save your home by filing for Chapter 13 bankruptcy?

Like many in Tennessee who are dealing with financial challenges, you may have considered filing for bankruptcy. However, the possibility of losing your home may have stopped you from taking this step. We are often asked at Rothschild & Ausbrooks, PLLC, what options you have for saving your home. In this post, we will explain how filing for Chapter 13 bankruptcy may allow you to keep your property.

Banks may break into still inhabited homes during foreclosures

As a result of financial challenges, the housing market and a number of other factors, people throughout Tennessee may find themselves facing foreclosure. According to a recent USA Today report, between January and June of 2015, the state’s foreclosure rate was one out of every 190 housing units. During the period between when a foreclosure is initiated and when it is finalized, ambiguity may exist regarding who is responsible for a home. In some cases, banks may even go so far as to break into homes that are still inhabited.

Understanding Tennessee Chapter 7 bankruptcy for business filings

When profits decline or expenses rise, some Tennessee businesses may struggle financially. If you are a business owner experiencing these types of challenges, you may have considered filing for bankruptcy. At Rothschild & Ausbrooks, PLLC, we are often asked about the debt relief options available to businesses. In this post, we will discuss Chapter 7 bankruptcy filings for businesses.

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

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