If, like many people in Tennessee, you have a lot of debt and are feeling overwhelmed about being able to pay it all off, the concept of there being good debt probably does not make much sense. However, debt can certainly work for you when used in a responsible...
Month: June 2016
Video: Automatic Stays
Getting a fresh start from debt obligations is one of the top concerns voiced by our new clients. Yet a bankruptcy filing offers much more, including a host of protections.One form of immediate relief is the automatic stay, which is a type of injunction. The automatic...
How emergency savings can prevent unnecessary debt
Between monthly expenses and paying down debt, saving for a rainy day often takes a backseat for many Tennessee residents. However, having an emergency savings fund can be vitally important. If something were to happen that required immediate cash, people without...
Are there any alternatives to taking out a payday loan?
If you are hurting for money, a payday loan may seem like a quick and easy way to get some cash fast. However, these types of loans are almost never a good idea because you will likely end up paying an exorbitant amount of interest. In fact, interest rates on payday...
U.S. credit card debt is on the rise
It appears as though an improving economy is leading to increased spending in Tennessee and across the country. In fact, if consumer spending continues at its current pace, credit card debt in the U.S. will hit the $1 trillion mark by the end of the year according to...
How do I know if a student loan relief program is legit?
Unfortunately, there are many scammers out there looking to take advantage of people in order to make a quick buck. If you have student loans, the payments can be costly and it may be tempting to accept an offer of help from a company who promises to lower your...
How awards for personal injury are impacted by bankruptcy
Like many people going through the bankruptcy process, you are likely concerned about which of your possessions and how much of your money you will be allowed to keep. If you have been awarded a recovery as the result of a personal injury claim, you may be...
Considering filing Chapter 7? Here’s what you need to know
You may be considering Chapter 7 bankruptcy due to medical expenses, divorce, job loss, credit card debt or unforeseen emergencies. Depending on your situation it may be your best option. But before you make that decision, it helps to consider the pros and cons of...
Video: Debunking bankruptcy myths
Filing for bankruptcy is a serious, complicated process and one that is often considered quite intimidating. Because of this, myths and misinformation can form and spread quite easily.In some cases, these myths can stand between you and the fresh financial start you...
How does Tennessee’s bankruptcy rate compare to other states?
You may be surprised to learn that in 2015, Tennessee actually had more bankruptcy filings than any other state. In fact, the number of filings in Tennessee was double the national average according to the Memphis Daily News.There are a few different reasons that may...
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