| Website | |
| Description | Welcome to Long, Burnett, and Johnson, an experienced bankruptcy firm. Because you came to our website, you may have arrived at the end of your financial rope and need to start considering a bankruptcy action. We completely understand and want you to know that we are here to help you, never judge. We know how life throws curve balls. You've built your life well, but suddenly you're buried under medical bills, a lost job, funeral costs, a divorce, or a business succumbing to unforeseeable economic hits. These things happen to good people. We know you want to pay your bills, but when they overwhelm you and you can't make all the payments required all at once, your creditors tend to lose patience and take serious steps against you. That's when you really should look for the best bankruptcy lawyer in Nashville. Debt relief helps millions of people start over, and there's no shame in that. That's why the bankruptcy laws exist in the first place. Is Bankruptcy the Right Decision? It could be. If you've tried working with your creditors, explained your circumstances and payment capabilities, but they still treat you like you're a deadbeat, not someone in desperate straits through no fault of your own, then you may have little other choice if you want to stop the harassment and growing fines, late fees, wage garnishments, foreclosure and repossessions. While you could attempt to file your own bankruptcy paperwork and hope for the best, we recommend you contact us first for a free consultation. We are very experienced with bankruptcy in Nashville, TN. Our knowledgeable team will sit down with you and take the necessary time with you to asses your situation and provide you with all the information you need to make a good decision. We respect your choice whether you resolve to proceed or to hold off on filing. Is a Chapter 7 Bankruptcy Right for Me? It depends on your predicament, of course. A Chapter 7 filing can be best for those who have no major assets, like houses and cars. This type of filing, if your income situation permits, puts a stop to collections of unsecured debts such as credit cards, medical bills, payday loans and utility bills. But what assets you do have will be subject to sale to be put towards those debts. We have successfully helped many people navigate through a Chapter 7 bankruptcy in Nashville. What About a Chapter 13 Bankruptcy Instead? Chapter 13 can prevent the liquidation of your assets while structuring a repayment plan that is feasible for you. It may be the best option if you are facing foreclosure on your home. The court appoints a trustee to receive payments from you over a 3 - 5 year period and distributes the payment to your creditors according to the court's directives. This may be a good way to go if you have a steady income and assets you want to keep. Filing a Chapter 13 bankruptcy in Nashville can be very involved and complex. It's best to lay out your financial state to one of our bankruptcy attorneys before you make a decision either way. Can I Avoid Child Support with a Bankruptcy? While you can't avoid paying child support, you can get a chance to catch up, clear arrearages, regain your driver's license, protect your tax refunds and stay out of jail. If you've fallen behind and face punitive actions from the child support collection agencies, come talk to us. Our sympathetic bankruptcy lawyers can educate you on this particular set of laws and help you get back on track with your child support obligations. What if I Already Have Judgments? The collection process for judgments can be stopped with a bankruptcy. If your creditors are in the process of suing for a judgment against you, you should come talk to us immediately. It may be possible to stop a pending lawsuit and terminate collection efforts from any finalized judgment. Sometimes, your creditors can garnish your wages without a judgment. For instance, the government may raid your paychecks for unpaid back taxes and student loans. A bankruptcy can bring you relief from these types of collections that can completely destroy any possibility of regaining your financial balance. Will My Credit Be Totally Destroyed if I File a Bankruptcy? The short answer is no. But let's be honest, having fallen behind on your debt repayment is already shredding your credit score. Every time you miss a payment, a report is filed against your credit history. With a bankruptcy, however, those reports stop in their tracks. Plus, the fog of uncertainty plaguing you now dissipates. With a bankruptcy, you will acquire a clear plan for protection against collections, as well as schedules for payments set at a pace you can manage. In time, your credit will improve once again. We realize that we've only scratched the surface of your questions. Please contact us today and see if we can put you on the right path to debt relief. |
| Address |
302 42nd Ave N Nashville Tennessee 37209 United States of America |
| Phone number | (615) 386-0075 |
| Fax number | (615) 864-8419 |
| Practice areas | Bankruptcy and Debt Law |
| Rating | |
| Listing views | 134 listing views. |
| Submission Date | 02:03:2015 (Edited) |
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