During bankruptcy, debtors can seek discharge for various debts, releasing them from personal liability for specific financial obligations. Creditors also receive permanent restrictions from collecting payments for eligible debts when issued a discharge order. This...
Sometimes hard work just isn’t enough to keep the lights on. If you’ve found yourself unable to pay suppliers and employees and incurring large amounts of debt with no means to pay, you may have no other option but to declare bankruptcy. On a positive note, if you're...
It is true when they say it is not how much you earn but how you spend. Your regular income may be enough to sustain your daily expenses and standard of living now. However, significant life changes or disruptions may force you to spend more than you initially...
For Tennessee residents struggling to overcome financial problems, there may be several debt relief options available. Debt solutions are not one-size-fits-all, however. For example, when people file for bankruptcy, they must choose the program that best fits their...
There are a little more than three divorces per every 1,000 Tennessee residents. Financial issues are often a central focus of such proceedings, especially in cases where children are involved. Divorce can sometimes cause insurmountable debt. Other life issues may...
Struggling with debt can leave you facing various struggles in multiple areas of your life. You may face constant contact with debt collectors and creditors, and you may wonder how you will ever get ahead on your own. When your debt becomes insurmountable, you may...
The decision to file for bankruptcy is not an easy one to make. If you are considering this step, it is likely because you have faced months or years of debt problems, contact from debt collectors and more. While this is often a difficult choice, it could be the most...
After you have made the decision to move forward with the Chapter 13 bankruptcy process, you may be wondering what comes next. This is an important choice that you have likely given great consideration, and following the appropriate steps will be critical to your...
There are many good, hard-working people in Tennessee and throughout the country who are experiencing serious financial trouble right now. You might be one of them. If so, you’ll be glad to know that there are numerous debt relief options that may be helpful to you,...
When a financial crisis arises, it can negatively affect all aspects of your life. Not only might you not have spending money, you might also have trouble making ends meet at home, such as making mortgage payments on time or keeping enough food on the table to feed...
Richard Banks & Associates, P.C.
393 Broad Street Northwest
Cleveland, TN 37311
Toll Free: 866-596-8527
Phone: 423-219-3299
Fax: 423-478-1175
