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BANKRUPTCY OVERVIEW
Tennessee Bankruptcy Is Our Only Business
We know that filing bankruptcy is an agonizing decision for most people. Careful consideration and work with a knowledgeable lawyer is essential— after all, it is almost certainly the most important financial choice you will make in the next 10 years. For a free, personal and discreet consultation on your legal options, please contact us at the Jonathan Garrett Law Firm in Memphis.
Debt Relief Through Chapter 7 or Chapter 13
Hundreds of thousands of U.S. consumers make this difficult but often sound choice each year, filing one of the following:
- Chapter 7 Bankruptcy — providing the immediate discharge of many debts for those who can pass a means test and meet other requirements.
- Chapter 13 Bankruptcy — suitable for those with steady, significant income who plan to repay a portion of their debts over a period of up to five years.
Can Bankruptcy Help You Recover Financially and Move Forward?
Financial difficulties and a need to seek debt relief can impact almost anyone, due to a vast range of reasons and circumstances. Bankruptcy may be the best available solution for you if:
- You have a mountain of credit card debt and are losing ground every month, and debt counseling is not an adequate solution.
- Creditors are harassing you for payments you cannot make.
- Enforceable judgments or garnishment of your wages make it difficult or impossible for you to pay living expenses and bills.
- You owe money on an automobile or other assets you no longer can afford, but do not know how to deal with these problems.
- You are facing a likely home foreclosure or eviction from your residence as a renter because you are trying to service other debts.
- You are considering liquidating retirement accounts to pay off credit cards or other debts.
- You need a fresh start but plan to live within your means and rebuild your credit over time.
Affordable Fees — Flexible Payment Structures — Free Consultation
Even after 2005 changes made federal bankruptcy laws stricter in some ways, most people facing severe debt and financial hardship can file to get relief. If you contact us, we will respond quickly and tailor your free consultation with attorney Jonathan Garrett to your needs and concerns about the future.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code. |
