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September 2015 Archives

Is filing for Chapter 7 bankruptcy the right option for you?

The loss of your job, a change in your income, an unexpected emergency or any other number of factors may cause you, or others in Tennessee, to struggle with debt. If you are dealing with financial challenges, then you may have considered filing bankruptcy. Sometimes, however, it can be difficult to know if Chapter 7 bankruptcy is the right option for you.

How does filing for bankruptcy impact your credit card debt?

Like many in Nashville, and throughout Tennessee, you may have credit card debt. Whether these debts are due to overspending, an unexpected situation or emergency, or any other number of factors, you may have considered filing for bankruptcy. At Rothschild & Ausbrooks, PLLC, people often ask us about the effect of bankruptcy on credit card debts. In this post, we will comment on how credit card debts are handled during bankruptcy cases.

Medical debt collectors prohibited from using harassing tactics

Many people in Tennessee, and elsewhere, are struggling with medical debt. As a result, medical debt collectors may have contacted them at one time or another. Although, like others, federal law prohibits these collectors from using harassing tactics, they sometimes cross the line. Therefore, it is important for people to understand their rights with regards to medical debt collectors to help ensure they do not get taken advantage of.

Questions to ask about bankruptcy

The process of getting unburied from mounds of credit card bills and other debt, especially in the face of ongoing creditor harassment, can be daunting for many Tennessee residents. If you are like many other consumers, you may feel unsure of where to turn for help and what your options are. Filing for bankruptcy can be one avenue to consider when you need help to find a way to a better financial future.

Obtaining credit after a bankruptcy

People in Tennessee have struggled through a rough economic period just as have citizens in other states. With the nation experiencing an increase in bankruptcy filings during the recent recession, concerns about rebuilding credit after filing for Chapter 7 is shared by many. Despite reports of gloom and doom having a Chapter 7 bankruptcy on record does not preclude a consumer from obtaining new credit.

What debts are not dischargeable via bankruptcy?

If you find yourself struggling with unmanageable financial challenges, you are not alone. Many other Tennessee residents are in the same situation. An improved national economy has helped but certainly not eliminated the need for consumer debt relief. Many people with high levels of personal debt can find that filing a Chapter 7 bankruptcy gives them the help and fresh financial start they need. It is important, however, to note that you cannot discharge every type of debt in a liquidation bankruptcy.

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

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