It’s stressful to have debt hanging over your head. Excessive debt is one of the chief causes of the kind of psychological distress that can lead to broken marriages, chronic health problems, trouble sleeping and more. Bankruptcy offers real financial relief – but a...
Middle Tennessee Bankruptcy Blog
Tips for rebuilding your credit score
Your credit score is the number that financial institutions will use to determine how trustworthy you are as a borrower. Someone with a high credit rating may receive lower interest rates or larger lines of credit. Someone with a low credit rating may be denied for...
How holiday shopping leads to debt nightmares
The holidays are all about thoughtfulness and giving – but too many people feel pressured to give until it really hurts. Despite the rising cost of living and inflation woes, it’s still predicted that 95% of people will indulge in a little holiday spending – and the...
Why do some people file for bankruptcy more than once?
Nobody wants to file for bankruptcy, but it happens – and some people have it happen more than once. As long as you wait the appropriate time limit between bankruptcies (which varies according to what type of bankruptcy you filed before and what type you want to file...
3 things to do to thrive during bankruptcy
Realizing that you should file for bankruptcy may make you wonder about your future. One of the most important things you can do when you figure out that bankruptcy is your next step is to take a deep breath and focus on the fresh financial start you’re getting. Once...
Can I file for bankruptcy again?
Many people struggle to pay off their debts. This can happen, for example, after people can’t pay off credit cards and struggle to recover from late fees. Or, to people who suffer from an injury and face medical bills but then face unemployment because of their...
How Chapter 13 bankruptcy can help to prevent foreclosure
Homeownership has traditionally been considered a cornerstone of the American dream, but financial setbacks can sometimes threaten this dream, even for those who are well compensated, fiscally responsible and generally considered low-risk for foreclosure. For...
Can I file for Chapter 7 without passing the means test?
One of the first decisions to make after determining that filing for bankruptcy is your best option is whether to file under Chapter 7 or Chapter 13. For most filers, that determination is made when they either pass or fail the means test. Those who pass it are free...
How does the automatic stay protect creditors and debtors?
Filing for bankruptcy is a significant decision that can be simultaneously stressful and a source of relief for those who choose this path. When someone files for bankruptcy, an essential provision called the automatic stay comes into play. This turn of events is...
Understanding the Chapter 7 bankruptcy means test in Tennessee
The bankruptcy means test is a crucial component of the bankruptcy process introduced as part of the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). It is designed to prevent higher-income individuals from filing for Chapter 7 bankruptcy....
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