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Bankruptcy Law

Nashville Bankruptcy Lawyer

If you are facing foreclosure, wage garnishment, repossession, or bank levy, bankruptcy will halt your creditors and provide powerful relief from your debts. Bankruptcy is the most powerful tool debtors have at their disposal, and I want you to understand that filing for bankruptcy relief from creditors is your Constitutional right (see Article I, Section 8) as a U.S. citizen. “The Congress shall have the power to…establish…uniform laws on the subject of bankruptcies throughout the United States.” Section 8, Article I of the U.S. Constitution.  In other words, bankruptcy law is a gift from our founding fathers.

Chapter 7 Bankruptcy Lawyer

A Chapter 7 Bankruptcy, often referred to as the “liquidation” chapter of bankruptcy law, will discharge (get rid of) most types of debt like credit card debt, medical bills, and signature loans. However, some debts like student loans, child and spousal support, and money procured by fraud or dishonesty will not be discharged. A Chapter 7 will stop wage garnishments, bank account levies, and other collection activities from your creditors. To eligible to file a Chapter 7, your household income must be below the median income for your state or you meet the Means Test.

Chapter 13 Bankruptcy Lawyer

Filing Chapter 13 Bankruptcy is essentially a reorganization of your debts. You enter a 3 or 5 year repayment plan to pay back creditors based on your ability to do so. Chapter 13 Bankruptcy requires that you have a reasonably steady source of income from which to make payments every month. It is a great way to bring your mortgage loan current if you are facing foreclosure or get relief from and pay back student loan debt.