Are you contemplating filing for bankruptcy? If so, you should be aware of a critical pre-filing requirement: credit counseling. While it may not be the first thing that comes to your mind when you’re in need of bankruptcy, it’s important to acknowledge its relevance....
Middle Tennessee Bankruptcy Blog
How long does it take to discharge debts during bankruptcy?
The discharge of debts at the end of bankruptcy proceedings is often the primary purpose of the process for filers. Those with insurmountable levels of debt can eliminate some of their financial obligations as a result of a filing. A discharge reduces what debts...
Can filing for bankruptcy cost you everything?
Filing for bankruptcy is often treated as a last resort for those overwhelmed by debt, partially because there's a common misconception that it can lead to the loss of all of one’s personal assets. Thankfully, this is not accurate. Bankruptcy laws are designed not...
Can you be fired for filing for bankruptcy?
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...
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...
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