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Bankruptcy FAQ

1. What is Bankruptcy?

Bankruptcy is a process in which consumers and businesses can eliminate or repay some or all of their debts under the protection of the Federal Bankruptcy Court.

2. Who can file Chapter 7 Bankruptcy?

Although the requirements of who can and cannot file a Chapter 7 Bankruptcy changed in October of 2005, most people who could file a Chapter 7 Bankruptcy before October of 2005 can still do so. Currently, if you have not filed for Chapter 7 Bankruptcy in the previous eight years or filed a Chapter 13 Bankruptcy in the previous six years, spend more money each month than you make, earn less than the average household size in your state and you do not own any non-exempt assets you may qualify for a Chapter 7 Bankruptcy. Some of the eligibility requirements for a Chapter 7 Bankruptcy may vary from state to state, and even county to county.

3. What are the advantages of Bankruptcy?

With bankruptcy there are many advantages. If you are being sued, garnished, levied, or foreclosed on, bankruptcy can put a stop to these actions immediately. Often bankruptcy may prevent repossession or foreclosure and allow you to consolidate your mortgage and or automobile arrears and make payments over time.

4. What if I have already filed a Chapter 7 Bankruptcy and need to file again?

If you have previously filed a Chapter 7 Bankruptcy you must wait eight years and one day from the filing date of the previous Chapter 7 to file another Chapter 7 case.

5. How do I know if I should file Bankruptcy?

Bankruptcy is used as debt relief. If you are being sued, your home is in the process of foreclosure or you have excessive bills and loans that you can not make payments on, bankruptcy can protect you and your assets.

6. When do I get relief from creditor harassment?

Relief from creditor harassment begins as soon as you receive a case number.

7.Who knows about my bankruptcy case?

Your bankruptcy is a public record; however the only parties that receive notice of the bankruptcy are your creditors, codebtors, the Bankruptcy Court, the IRS, and Credit Bureaus.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Office Location

Clarksville
120 4th Street
Clarksville, TN 37040
Phone: 931-551-4038
Fax: 615-634-0241
Map and Directions

Nashville
405 1/2 A 31st Avenue North
Nashville, TN 37209
Phone: 615-297-2400
Fax: 615-634-0241
Map and Directions

Lebanon
120 Public Square
Lebanon, TN 37087
Phone: 615-297-2400
Fax: 615-634-0241
Map and Directions