A decision to file for bankruptcy is one that’s usually not made without considerable thought. It’s often the result of a realization that there won’t ever be enough money to cover one’s debts unless something dramatic can be done. Many consumers file for Chapter 7,...
Middle Tennessee Bankruptcy Blog
Why Chapter 7 isn’t the best option for foreclosure concerns
When homeowners face the daunting prospect of foreclosure, understanding the defensive options available can potentially help them preserve their homes and financial stability. For example, two common types of bankruptcy, Chapter 7 and Chapter 13, offer different...
Navigating credit card use after filing for bankruptcy
Following bankruptcy, managing credit card usage requires a strategic approach to rebuilding financial stability and creditworthiness. This involves understanding credit scores and the importance of responsible financial habits. Some tips to help you navigate credit...
Will bankruptcy cost you your car?
You may have heard you could lose some assets if you file for bankruptcy. One you might not want to lose is your car. You probably rely on your vehicle for many things - for work, to drop your kids at school, do the shopping or ferry your elderly mother about. So what...
Removing the stigma behind bankruptcy filings
It is no secret that the cost of living is impacting most households in the U.S. In fact, over half of the population have some form of credit card debt. When debts become overwhelming and impossible to pay, filing for bankruptcy is an option. However, many people are...
Unexpected medical costs can lead to a need for bankruptcy
Some people think of their health insurance as an assurance that they won’t ever have to face exorbitant medical care expenses. Unfortunately, catastrophic health conditions can quickly result in thousands of dollars in medical expenses, even for those who have...
Credit cards trick you into spending more
Credit cards are often linked to bankruptcy, and it sometimes relates to their high interest rates. People may be attempting to pay off their debt, but they can’t do it because the interest adds so much to that debt every month. But how did they get into debt in the...
Will filing for bankruptcy clear all my debts?
There are many reasons that people feel the need to file for personal bankruptcy. Unexpected medical bills, job loss or the inability to find work that pays enough to meet rising living costs have landed many people in this situation. Before filing, you should...
Do you feel bad about filing for bankruptcy?
A lot of people delay filing for bankruptcy for a considerable time. While it is essential that you take your time to consider if it is right for you and to look for alternative solutions, delaying the inevitable can prolong your agony. Having debt you cannot afford...
2 ways that declaring bankruptcy can be good for your mental health
When it comes to personal finance, bankruptcy is often seen as a last resort for those who are navigating truly unmanageable circumstances. However, amidst the financial turmoil, there lies a silver lining that is often overlooked — the potential positive impact that...
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