You do not necessarily have to miss a payment before asking your credit card company for help. Many creditors are willing to discuss hardship options while your account is still current, although approval depends on your circumstances. Reaching out early may give you...
Closing your small business may have felt like the end of a difficult chapter. But if the business credit card bill or loan payment still arrives each month, is the financial burden really over? Personal bankruptcy may still be available if those payments now compete...
If you have fallen behind on your mortgage payments, you may worry about losing your home to foreclosure. Filing for Chapter 13 bankruptcy may provide an opportunity to catch up on missed payments while protecting your home. For many homeowners in Tennessee, Chapter...
Yes, you can file for bankruptcy after starting a new job. No law prevents you from filing due to fresh employment. However, this chapter in your career may have variables that can affect the type of bankruptcy you can file. Understanding how a new job can impact your...
If you are considering Chapter 13 bankruptcy, you may focus on the monthly payments and the commitment of a three- to five-year repayment period. While that period is an important part of the process, it is not the final step. You may also want to know what happens...
You filed Chapter 13 bankruptcy to stop collection pressure and get control of your finances. Then something changes. Your work hours get reduced, a medical emergency happens or your monthly expenses rise faster than expected. If you start missing Chapter 13 payments,...
Creditors owed money by individuals are often aggressive when attempting to collect. They may call repeatedly, send strongly-worded letters or even threaten to take legal action. If a creditor actually files a lawsuit and serves a debtor, they are at risk of...
It’s no secret that your credit score matters a lot. It influences whether you can rent an apartment, buy a car or qualify for a needed loan. If you are considering bankruptcy, you probably worry about what it will do to your credit. While bankruptcy does lower your...
You are a parent managing a household alone after a divorce. Typically, financial pressure builds up quickly when you support children on a single income. You might fear that filing for bankruptcy means losing everything you own. However, Tennessee law provides a...
Yes, you can file bankruptcy individually in Tennessee without your spouse joining. Tennessee follows common law (separate property) rules—not community property—so filing alone is often straightforward and protective. At , we’ve helped...
