If you are overwhelmed with debt and are facing loss of your property and other legal action by your creditors, you may need the protection of the bankruptcy laws.

At Richard L. Banks & Associates, we practice exclusively in bankruptcy law.  We understand the stress financial difficulties can place on you, your loved ones, your career, and even your health.  Everyone experiences financial trouble, but if your financial trouble has become a financial crisis, we can help.

If you have fallen behind on payments to your creditors, they may use various legal tools to attempt to collect money from you.  You may be facing foreclosure on your property, repossession of your vehicles, garnishment of your wages, liens on your assets, and harassing letters and phone calls from creditors and collection agencies.

Filing bankruptcy will put an immediate STOP to these activities.

Whether you seek to discharge as much debt as possible through a Chapter 7 bankruptcy or you need additional time to pay your debts with a Chapter 13 bankruptcy, we have worked with thousands of individuals just like you, and we will make sure you are treated fairly and that you receive all the legal protection available under the bankruptcy laws.

We also have extensive experience working with business owners and professionals facing financial difficulties.  A Chapter 11 reorganization can provide desperately needed relief and usually allows you to remain in business.

Visit our Bankruptcy page to learn more about how you can seek a financial fresh start.

For answers to questions about your particular situation, contact us anytime.  We are happy to answer your questions regarding the consequences and benefits of filing bankruptcy.

We conveniently serve clients in Benton, Dayton, Sweetwater, Madisonville, Copperhill, Ooltewah, Decatur, Cleveland, Chattanooga, and throughout Tennessee.