Tag: Tennessee bankruptcy attorney

When Can I Use Student Loan Forbearance or Deferment?

When Can I Use Student Loan Forbearance or Deferment?

Each year, former students struggle to make each monthly payment for their student loans. However, the coronavirus has given students the chance to take a break from making those monthly payments with an administrative forbearance. This forbearance will not last forever though. Many students who are struggling financially could benefit from other options like deferment. If your financial situation worsens and puts you closer to bankruptcy, then consider seeking answers from a Tennessee bankruptcy attorney.

Student Loan Deferment and Forbearance in Tennessee

The first thing you will want to start with when it comes to assessing your student loan repayment options is differentiating between Tennessee student loan deferment and forbearance. Student loan forbearance and deferment both grant you the ability to not make student loan payments for a certain period of time. The difference between these two is that forbearance is usually sought after deferment is rejected by the loaner.

Forbearance is also better for temporary financial circumstances that prevent you from paying off your student loan. You might be able to qualify for forbearance as an alternative if your deferment request is denied. However, to have a forbearance request approved, you will need to go through the student loan lender. This means you may have to wait a while and there is no automatic guarantee.

With student loan deferment, you can automatically qualify as long as you meet either of the following conditions:

  • Working less than 30 hours a week or have no jobWhen Can I Use Student Loan Forbearance or Deferment?
  • Serving in the U.S. military or Peace Corps
  • Enrolled in school half-time
  • Undergoing a graduate fellowship program
  • In rehabilitation training

You may also qualify for either deferment or forbearance if your financial circumstances are dire. Do not hesitate to seek help from an experienced bankruptcy lawyer if you find yourself in a financial crisis.

Other Tennessee Student Loan Options

If deferment and forbearance do not work, you have other Tennessee student loan repayment options. For one, the coronavirus has led to an administrative forbearance on all federal student loans. This means if your student loans are federal loans, you have until December 31st of this year to prepare for making your monthly payments again. At the same time, you have the option to make payments on your federal loans anytime you wish.

You can also request an income-driven repayment plan for your student loans. A plan like this will let you reduce your monthly payments according to your income and family size. For some people, this might come out to as little as zero dollars a month. The only downside is you will have to still pay any taxes that build up with this type of plan. One other option is Tennessee student loan forgiveness.

Bankruptcy Lawyer in Chattanooga, TN

Making student loan payments at a consistent rate during the uncertain times of the coronavirus can be difficult. Consider seeking legal advice from our legal team in Chattanooga, Tennessee, and North Georgia if you ever find yourself close to bankruptcy. Contact Tom Bible Law today at (423) 424-3116 to talk to a Bankruptcy lawyer in Tennessee for a free consultation. Our Tennessee bankruptcy attorneys are located in Chattanooga, Kingsport, and Tullahoma.

Which Debt Should I Pay First in Tennessee?

Which Debt Should I Pay First in Tennessee?

With all the different types of debt that exist today, figuring out which debts you should pay first can be challenging. If you were a student, you might be facing student loan debts on top of house bills, insurance payments, and credit card debt. Those who are not students have to also balance between paying house payments, credit card debt, medical bills, and other types of debt. Some people may find themselves falling behind so fast that bankruptcy becomes their only option. If this happens to you, do not hesitate to talk to a Tennessee bankruptcy lawyer for guidance.

Prioritizing Your Tennessee Debts

Prioritizing Tennessee debts is one of the most important steps you can take to avoid falling into a financial crisis like bankruptcy. No one wants to have to file for bankruptcy. Organizing your debts and other financial responsibilities by the ones that are the most important to the ones that are the least important is the first step in this process.

Which Debt Should I Pay First in Tennessee?Any debts or financial responsibilities related to housing and food should always come first. The reason is obvious, you need food and shelter to live. Having your house taken away through foreclosure or being evicted if you are renting your home are both real possibilities that can lead to a whole other host of problems. Owing debt on top of going through something like this can make finding a new home that much harder.

Any utilities like water, gas, or electric bills should come next on your list. Missing these payments can mean losing key resources you need to live, and in some cases, resources you need for your job. Auto insurance and car loans are next. Failing to make these payments could mean losing your primary transportation to work. You can probably already guess what goes at the bottom of this list.

Tennessee student loan debt, credit card debt, medical bills, and IRS debt all go at the bottom. The reason being that missing these payments will lead to less severe penalties compared to the ones on the top of the list.

Most Effective Ways to Pay Off Debt

There are several effective ways to pay Tennessee debt. First, try to avoid missing a payment at any cost, even if you have to pay the minimal amount possible. Remain vigilant of errors on your bills and inform your bank if there are any.

With the coronavirus still going on, some credit card companies are allowing people to defer monthly payments, waive late fees, decrease interest rates, and have options when you cannot pay your debt because of the coronavirus. Be sure to call and talk to them about this. You can also talk with a bankruptcy lawyer to explore your financial options.

Bankruptcy Attorney in Chattanooga, TN

Paying off debt is not easy when you have multiple types of debt to pay off. Reach out to our lawyers in Chattanooga, Tennessee, and North Georgia if you find yourself close to bankruptcy. Call Tom Bible Law at (423) 424-3116 today to speak with a Bankruptcy attorney in Tennessee for a free consultation. Our team of Tennessee bankruptcy lawyers is located in Chattanooga, Kingsport, and Tullahoma.

Most Helpful Long-Term Financial Goals to Aspire to in Tennessee

Most Helpful Long-Term Financial Goals to Aspire to in Tennessee

When you want your financial life to be easier and stable, there are some long-term financial goals you can make in Tennessee to make this possible. These goals may not be for everyone, but you might find some of them helpful for you. In either case, making and maintaining financial goals can significantly improve your finances in the long run, depending on how closely your goals are stuck to. However, if you ever find yourself falling towards bankruptcy, all you have to do is contact one of our Tennessee bankruptcy attorneys to explore your options.

Tennessee Financial Goals that Can Help You Now

There are certain Tennessee long-term financial goals that can help you right now and in the near future with your finances. Some of these goals may take longer to achieve depending on your current financial situation and preparedness for each of them. The main long-term Most Helpful Long-Term Financial Goals to Aspire to in Tennesseefinancial goals that can help you sooner than later include:

  • Create a realistic budget
  • Start an emergency fund
  • Work towards debt-free finances
  • Track your personal finances

Creating a realistic and effective Tennessee financial budget means you will have access to a tool you can use for the rest of your life, at least until you reach retirement and have less financial responsibilities. While you do still have financial responsibilities like bills, loans, debt, and anything else that involves money, you can develop a financial budget by:

  • Recording all your spending habits and expenses for each month
  • Subtract your total estimated monthly expenses from your monthly income
  • See what money you have leftover and what money you could save by removing unnecessary expenses or spending

Starting an emergency fund can be a helpful backup for unexpected events like medical emergencies, car accidents, house damages, and car repairs. You should be able to set an automatic transaction with your bank that will transfer a portion of money into your savings account. Working to debt-free finances means you pay off your debts sooner and avoid future debt at all costs.

Long-Term Tennessee Financial Goals for Your Future

In terms of long-term financial goals for later on, the main ones that can help you include creating an estate plan, purchasing life insurance, saving for retirement, and making your healthcare contingency plan. An effective Tennessee estate plan is one that includes these arrangements after your death:

  • Who receives your property
  • Who receives your financial assets and if they are divided up
  • Who receives your personal property and any division arrangements
  • Who your power of attorney is if you choose one for your finances

Making a healthcare contingency plan means appointing a healthcare power of attorney to make medical decisions when you cannot. When it comes to life insurance, there are several types of Tennessee life insurance.

Bankruptcy Lawyer in Chattanooga, TN

In any event that you find yourself close to bankruptcy, consider seeking help from our lawyers in Chattanooga, Tennessee, and North Georgia to explore your legal options and anticipate consequences. Call Tom Bible Law today at (423) 424-3116 to speak with a Bankruptcy lawyer in Tennessee for a free consultation. Our team of Tennessee bankruptcy lawyers is located in Chattanooga, Kingsport, and Tullahoma.

Why Personal Finance is Not Taught in Tennessee High Schools

Why Personal Finance is Not Taught in Tennessee High Schools

Considering that personal finance becomes a major part of adult life after high school or college, many graduating students and parents are surprised to find out that high schools are lacking in personal finance education. This has led many people to argue for why personal finance is important for students to learn in high school. Many of the arguments revolve around the importance of preventing financial confusion and struggles in students who have to handle personal finances for the first time. If you are a former student and ever find yourself on the brink of bankruptcy, consider talking with a Tennessee bankruptcy attorney for advice.

The Need for Tennessee Personal Finance Education

When it comes to Tennessee personal finance education, a 2011 study showed that 42% out of 1,132, adolescents said their parents did not talk enough about personal finances and 32% did not know enough about interest and fees that come with credit. In recent years, over half of Why Personal Finance is Not Taught in Tennessee High Schoolsthe states do not mandate high schools to involve personal finance education. This means that at least half of high school students may not have the information they need to maintain healthy personal finances.

A lack of proper financial information has been shown in the past to cause newly graduated students to struggle significantly with maintaining high credit scores along with other financial struggles with things like bills, interest, and loans. Not knowing what to do in certain financial situations can lead these young adults to unwise and potentially damaging financial decisions. Knowing how interest works, for example, can save you a lot of money in the long run because you will know a bad deal when you see one.

Potential Negatives of Not Teaching Personal Finance in Tennessee

In terms of negatives of no personal finance education in Tennessee, there are several, but the main one is letting young adults go out into the world of scams and risky financial decisions. This can be demonstrated with data that has been collected on young adult financial patterns in recent years.

·      Over 20% overspent their monthly income by $100

·      Student loan debt has increased by 56% from 2004 to 2014

·      81% of college graduates have one long-standing debt

·      26% say they have failed to pay bills within the deadline

Teaching personal finance in schools could mean benefits that include students who know a bad financial decision when they see one, students who can make strong budget plans in Tennessee, students who can pay off debt faster, and students who are prepared to improve their personal finances. Not only will this help students feel more confident in their spending habits, but this will also help them make financial decisions that can benefit their future.

Bankruptcy Lawyer in Chattanooga, TN

If you have any personal finance questions or if you find yourself struggling to maintain healthy finances, then consider reaching out to our team of lawyers in Chattanooga, Tennessee and North Georgia for guidance on financial decisions and bankruptcy. All you have to do is call Tom Bible Law today at (423) 424-3116 to speak with a Bankruptcy lawyer in Tennessee for a free consultation. Our team of Tennessee bankruptcy lawyers is located in Chattanooga, Kingsport, and Tullahoma.

Ways Student Loans Can Help or Hurt Your Tennessee Credit Score

Ways Student Loans Can Help or Hurt Your Tennessee Credit Score

No one really looks forward to paying student loans each month, but what many people do not realize is how much student loans can harm their credit score if payments are missed. At the same time, not everyone realizes how much student loans can also help their credit score as long as certain actions are taken. Finding the fine balance between these two means being aware of what you can do to help your credit score. If you ever run into financial problems like bankruptcy, be sure to talk with a Tennessee bankruptcy attorney for guidance.  

How Student Loans Can Hurt Your Tennessee Credit Score

Starting with the aspect of student loans you are likely more concerned about, there are several ways student loans can hurt Tennessee credit scores. One of the more obvious ways this can happen is if you either miss a student loan payment completely or fail to make the Ways Student Loans Can Help or Hurt Your Tennessee Credit Scorepayment on time. Even missing a payment for the very first time has been known to decrease credit scores by a little over 100 points.

The one factor in this area that will not affect your credit score is forbearance and deferment of your student loans. A second factor that can negatively affect your credit score that is less well known is having multiple student loan accounts. What this can do is increase your debt-to-income ratio which can make qualifying for other loans challenging.

If you are seeking assistance with a private student loan, think twice because this can indirectly cause small decreases in your credit score. These small decreases are caused by private lenders running credit checks on you. Each credit check slightly decreases your credit score.

Potential Credit Score Benefits of Student Loans 

While there are many potential negative consequences of student loan repayment, there are also benefits of student loan repayment in Tennessee. As long as you make every student loan payment on time and in full, the student loan repayment process will slowly build your credit score up by building a history of trust that you will make every payment on time. This is exactly what future creditors are looking for.

You have the potential to prove your ability to keep your word on paying back loans. This will lead to future loan approvals and repayments which will also help build your credit score even higher. Your credit mix can be improved by paying student loans and other loans off at the same time. Do not panic if you miss one or two payments. Student loans in Tennessee give you several years to rebuild damaged credit scores.

Bankruptcy Lawyer in Chattanooga, TN

Maintaining a positive credit score can be challenging when you are fresh out of college or grad school, struggling to find a job and make ends meet. Consider seeking help from our legal team in Chattanooga, Tennessee, and North Georgia if you ever find yourself falling closer to bankruptcy. Contact Tom Bible Law to speak with a Bankruptcy lawyer in Tennessee today at (423) 424-3116 for a free consultation. Our team of Tennessee bankruptcy attorneys is located in Chattanooga, Kingsport, and Tullahoma.

Ways Student Loans Can Make Life Difficult in Tennessee

Ways Student Loans Can Make Life Difficult in Tennessee

Student loan stress is something almost every college graduate can relate to, especially those who owe large sums of student debt in Tennessee. Monthly repayment plans for student loans can start right after or six months after graduation and they often keep going for decades with slowly escalating interest. Many students feel the pressure of this debt when they first attempt to move out of the house to rent an apartment and pay bills. If you ever find yourself struggling to the point of bankruptcy, then do not hesitate to seek professional assistance from a Tennessee bankruptcy attorney.

Financial Challenges of Student Loans in Tennessee

Tennessee student loan challenges are not uncommon and can make living difficult for a variety of reasons. For one, the amount of money students often have to pay for student loans each month can make saving up for a house or apartment difficult. This has led many students to be Ways Student Loans Can Make Life Difficult in Tennesseestuck at home with their parents for years. While there are options for how much you can pay each month, saving up for a home by itself can be challenging enough.

Those who struggle the most with repaying student loans tend to also be dealing with other financial responsibilities like house bills, childcare costs, transportation expenses, and groceries. Students with low income struggled significantly more when it came to paying back student loans while dealing with other financial responsibilities. Unexpected financial losses and emergencies like car repairs or medical expenses have also been known to create major financial burdens on those with student loans.

Interest rates are viewed by many students as discouraging when it comes to repaying their loans over time. Many students explain that paying lower monthly payments comes into a stressful conflict with higher interest building up. On top of all this, missing payments or making late payments can negatively impact your credit score which can make buying a car or home difficult.

Overcoming Setbacks from Student Loans in Tennessee

There are ways you can manage student loans in Tennessee to make life a little bit easier. To avoid delinquent loans, loan payments that are not paid by a certain time, be sure to contact the loan servicer as soon as you can to explain your situation and see what you can do about this. Try not to wait until the last minute to do this.

Making a Tennessee budgeting plan can help manage your finances while paying off your student debt at a faster rate. In some cases, you might have the option of loan discharge or forgiveness. However, each of these comes with specific requirements that you can look into on your loan servicers website.

Bankruptcy Lawyer in Chattanooga, TN

Paying off student loans while seeking other financial goals is not easy. Consider seeking help from our legal team in Chattanooga, Tennessee and North Georgia if you ever find yourself slipping into bankruptcy. Contact Tom Bible Law to talk to a Bankruptcy lawyer in Tennessee at (423) 424-3116 for a free consultation today. Our team of Tennessee bankruptcy attorneys is located in Chattanooga, Kingsport, and Tullahoma.

Steps for Creating Powerful Financial Goals

Steps for Creating Powerful Financial Goals

There are several ways you can go about creating financial goals, but there are only a few ways you can create powerful and lasting financial goals that will bring you closer to the future you desire. One effective way to increase the chances of successful goals is the SMART goals approach, a method that makes sure your goals are held up to certain standards. Finding effective goals is equally as important. If you ever find yourself struggling financially or falling to the point of bankruptcy, then consider asking a Tennessee bankruptcy attorney for guidance.  

Create SMART Goals 

SMART goals is an acronym for specific, measurable, achievable, relevant, and trackable goals. This method of creating goals can be used to ensure your financial goals are realistic enough to be accomplished by a certain time period. Not using the SMART goals method will still let you create financial goals, but there are likely to be fewer unexpected obstacles with the SMART goals strategy.

A specific goal is a goal that is clear enough to not be misinterpreted the wrong way. This type of goal is a goal you can look back on ten years from now and know exactly what the outcome Steps for Creating Powerful Financial Goalsneeds to be. Measurable goals are goals you can measure by frequency, numbers, scales, or almost any other kind of measurement. When it comes to money, you can measure your financial goals with how much money you want to save up or the percentage increase you wish to achieve.  

Achievable goals are realistic and doable according to your unique situation and the resources at your disposal. These goals usually involve thinking ahead in terms of what your resources are now and what your resources might be in the near future. Relevant goals have to be relevant to your needs and financial situation. For example, you would not want goals that have nothing to do with your finances.

Timely goals come with a deadline, that is, a specific date when you want to have the goal accomplished like the end of the month or next year.  

Finding Effective Financial Goals 

Finding effective financial goals in Tennessee is important when you want to significantly improve your finances. Some financial goals might not help you at all, while others may actually harm your finances. One of the first steps in this process is figuring out where you stand financially at this very moment. Do this by adding up all your financial assets and how much money you spend in a typical month. 

Then figure out what you want in the future. Whether this is a house, a hobby, or a car, you will use this wish to guide the creation of your financial goals. Calculate how much money you would need to accomplish this wish. It helps to break this down into short-term and long-term financial goals 

Bankruptcy Attorneys in Chattanooga, TN 

Maintaining healthy finances is not always easy. Consider talking with our legal team in Chattanooga, Tennessee, and North Georgia if you ever find yourself at the brink of bankruptcy. Call Tom Bible Law today to speak with a Bankruptcy lawyer in Tennessee at (423) 424-3116 for a free consultation. Our team of Tennessee bankruptcy lawyers is located in Chattanooga, Kingsport, and Tullahoma. 

Easiest Way for College Students to Save Money

Easiest Way for College Students to Save Money

Saving money in college is not always easy with time constraints leading to part-time jobs and odd jobs, expensive textbook costs, lab fees, and other costs related to college life. While some college students can manage to work full-time and maintain a family, many college students only have time for part-time jobs or jobs with even fewer hours like work-study programs. This on top of the temptations to spend money when you are still young can make saving up money for an apartment or car difficult. If you ever find yourself struggling financially or on the brink of bankruptcy, consider calling a Tennessee bankruptcy attorney for assistance. 

Cutting Costs and Saving Money in College

One way to save money in college is to find different ways to cut costs. Since college textbooks are so high, this is one of the first and easiest ways to save money. Only buy textbooks if you have to have them after your class ends. Rent textbooks you will only need for one semester and rent used textbooks if possible. If you have to buy the book, go through Amazon or eBay Easiest Way for College Students to Save Moneyrather than your college bookstore. Buying used books from other retailers can save hundreds of dollars. 

In smaller cities, it is cheaper to live off-campus and in large cities, it is cheaper to live on-campus. This varies by university, which is why it is important to check and compared prices. If you cannot afford a meal plan, you can save some money by investing more in ramen noodles, which are the cheapest food option available. Not that you should only eat ramen, but that every once in a while, this can save money. 

You can figure out where else you can cut costs by adding up how much money you make from your part-time job each month and subtracting what you usually spend each month from this. Decide by seeing how much money you could be saving.

Effectively Managing Your Money

There are dozens of other ways to save money that can be exhaustive, but some of the most important ways involve planning your monthly spending, setting up automatic payments to your savings, avoid building credit, and try the no-spend month challenge. 

You can plan your monthly spending with software like You Need a Budget, an online website with a free 34-day trial, that helps you manage your money easily. Setting up automatic payments of $50 or $100 to your savings account each week, every two weeks, or once a month is another effortless option. 

The no-spend month challenge means making a financial goal to not spend money for an entire month on anything you do not have to spend money on. 

Bankruptcy Attorneys in Chattanooga, TN

Managing finances is one of the hardest things to become accustomed to. Consider talking with our lawyers in Chattanooga, Tennessee and North Georgia for tips on saving money and avoiding bankruptcy. 

Call Tom Bible Law to speak with a Bankruptcy lawyer in Tennessee today at (423) 424-3116 for a free consultation. Our team of bankruptcy lawyers is located in Chattanooga, Kingsport, and Tullahoma. 

Financial Planning 101

Financial Planning 101

There are two main actions you can take to strengthen your personal finances, despite the coronavirus pandemic. First, you can take various steps to save money for your future. Second, you can take additional financial steps to avoid any future financial setbacks from bad credit, low retirement funds, or emergency situations. Taking these steps will not only improve your finances but can also significantly decrease your chances of a financial catastrophe in the future like bankruptcy. If you ever find yourself falling towards bankruptcy, then reach out to a Tennessee bankruptcy attorney for guidance.

Save for Your Future

There are three key steps you can take to save for your financial future. You can create a budgeting plan, save for retirement, and cut unnecessary expenses. Creating a budgeting plan is not impossible, but not always easy to get into the habit of either. The steps for creating a Financial Planning 101budgeting plan include:

  • Examine and write out your spending habits
  • Calculate how much money you spend each month and on what (i.e. bills, hobbies, going out to eat, groceries)
  • Calculate how much money you would like to save by a certain time (i.e. end of each month or end of this year)
  • Divide the money you spend into necessities and non-necessities

By writing your budgeting plan down, you have a clear set of goals to achieve that will help guide you in the financial direction you want to go. Keep in mind, these are your goals and therefore your choices. You can choose how much money you want to save up and by which time you want that money saved up.

Saving for retirement might not sound fun right now, especially if retirement is far out into the future, but saving a little bit each year sooner than later can make massive differences in how much money you will have once you retire. Put money into your savings each paycheck, month, or year.

Cutting expenses is another factor that is not often fun. Prioritize what you spend your money on and stop spending money on anything that is at the bottom.

Avoid Potential Financial Setbacks

Three ways to avoid financial setbacks are to pay off your debt early, avoid building credit, and purchase decent insurance. This means buying affordable insurance for your health, car, and life. No one can predict accidents and expensive medical bills that can follow without health insurance.

Add up the maximum amount of debt you can afford to pay off each month and do this. Once your debts are paid, they are gone for good. Avoid credit cards if possible or at the least, avoid using credits cards on a regular basis. Credit has a way of coming back to hurt people later.

Bankruptcy Attorneys in Chattanooga, TN

Cutting expenses and making financial sacrifices is not easy for everyone. Whenever you find yourself falling behind financially or close to bankruptcy, be sure to reach out to our lawyers in Chattanooga, Tennessee, and North Georgia.

You can call Tom Bible Law today to talk to a Bankruptcy lawyer in Tennessee at (423) 424-3116 for a free consultation. Our legal team of bankruptcy attorneys is located in Chattanooga, Kingsport, and Tullahoma.

How to Finance Your Small Business During COVID-19

How to Finance Your Small Business During COVID-19

Starting and managing a small business is daunting enough, but trying to do this during the coronavirus (COVID-19) pandemic seems close to impossible with all the new regulations and economic downturns. Becoming familiar with some tips on starting a small business can help you avoid potential obstacles and pitfalls that can significantly slow you down. There are also resources available for small businesses during COVID-19 that might be able to help. However, if you have concerns about bankruptcy, talk to a Tennessee bankruptcy attorney for legal assistance. 

Tips for Financing Your Business 

How to Finance Your Small Business During COVID-19Building up personal finances for your small business is not the easiest thing to invest in, but not completely impossible either. If you have a good idea and a vision for your company, then the rest will follow with hard work and smart financial decisions. Part of making smart financial decisions is knowing ways to finance your business.

One of the first steps is to figure out much money you will need to save up in total for your small business to function. Otherwise, you may find yourself running out of money fast. You will want to do your research on what expenses your business will need to pay for. This could mean money spent on renting a building, electric bills, product manufacturing costs, and office equipment. Once you have this information, you can start the process of financing your company.

There are several options available for financing your company and they include personal finances, investors, crowdfunding, small business loans, and small business administration investment programs. Personal finances are whatever money you have saved up in your bank account, but can also include money borrowed from loved ones and your 401k. benefits.

Seeking finances from investors involves seeking venture capital funds from an investor who believes in your business plan. Crowdfunding sources can be found online and the benefit is that you do not have to pay them back. Small business loans do need to be paid back and you will need to convince the lender to let you borrow money. 

Starting a Small Business During COVID-19

COVID-19 has created a multitude of problems for business owners and people who want to start a small business due to the unpredictable nature of the virus and government regulations for businesses. People are losing jobs and money in the process.

However, there are COVID-19 government programs out there designed to help small business owners during COVID-19 and they include:

  • SBA Express Bridge Loans
  • Economic Injury Disaster Relief Loan Emergency Advance
  • Paycheck Protection Program
  • SBA Debt Relief

Bankruptcy Lawyers in Chattanooga, TN

Starting and running a small business during this hectic economic time is challenging. Consider seeking help from our lawyers in Chattanooga, Tennessee, and North Georgia if you have found yourself in a tough financial situation or at the brink of bankruptcy.

You can contact one of our Bankruptcy lawyers in Tennessee today at (423) 424-3116 for a free consultation or leave a comment on our contact page. Our Tennessee bankruptcy lawyers are located in Chattanooga, Kingsport, and Tullahoma.