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chapter 13 bankruptcy Archives

Chapter 7 and chapter 13: what is the difference?

Tennesseans currently wading through a sea of debt know all too well that recovering from this financial hit can take a considerable amount of time and effort. Not only does a money issue create immediate complications; it can linger and worsen if unaddressed. Although each situation can be unique, a common question surfaces during this process: what are the main differences between Chapter 7 and Chapter 13? 

How much does bankruptcy hurt my credit score?

Perhaps one of the most common concerns among people in Tennessee who are considering filing for bankruptcy is how severe the impact will be to their credit scores. This is an understandable concern as credit scores are evaluated in so many things today including many pre-employment hiring background checks. However, as MarketWatch indicates, while you should be prepared for an initial drop in your credit score after filing bankruptcy, you can help it improve sooner than you may think.

How Chapter 13 differs from Chapter 7

When faced with serious financial challenges, many Tennessee residents may understandably begin to consider whether or not filing for bankruptcy might be the best option for them. In making this decision, it will be important for people to have an understanding about the two primary forms of consumer bankruptcy and how each plan differs. This knowledge will help debtors to make the right choice for their debt-relief needs.

When missed mortgage payments become the new normal

A home is a place meant for comfort, security and peace of mind -- these are just a few reasons why a home foreclosure can be so threatening to one's wellbeing and way of life. Countless Tennesseans face this threat but are unsure of where to turn in such hard times. Depending on the situation, avoiding a foreclosure altogether may be a possibility.

Is it time for you to file for bankruptcy?

Tennessee residents just like you are suffering with debts that may seem insurmountable. This is where Rothschild & Ausbrooks, PLLC, come in. They help you decide if the debt that you're in is too steep for you to pull out of on your own, and can show you all of the benefits of bankruptcy.

Buying a home after a bankruptcy

Many a Tennesssee resident found themselves in the difficult position of filing for bankruptcy during and after the great recession. Even with an improving economy, many more continue to struggle with unmanageable levels of debt and have chosen bankruptcy as their option to help them secure a better financial future. One of the big concerns many people who file for bankruptcy have is how they can ever buy a home again.

Filing Chapter 13 bankruptcy in nashville

Personal bankruptcy in Nashville is an inevitably delicate topic: from deciding on the right financial plans to discovering which assets one may keep, the entire process can become long and complex. Many Tennesseeans wonder which type of bankruptcy is the most appropriate to file, and for those with large assets, this process can present a number of challenges.

How do I move forward after a Chapter 13?

If you are one of the many people in Tennessee who is considering filing for bankruptcy, you may be concerned about the impact this may have on your credit and your future. Your concerns are valid and it is important for you to understand the long-term implications of bankruptcy. Chapter 13 bankruptcy can give you a fresh start but you have to be careful and take the right steps to take full advantage of this.

Is gender important when it comes to debt?

If you are struggling with overwhelming debt in Nashville, whether you are a man or woman may not really matter when you look at the big picture. However, there may be some fundamental differences in the way that each gender approaches money and debt that can give some insight into the problem and possibly help curb future problems, particuarly if you are in a relationship and share finances with a spouse or partner.

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.

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

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