Tag: Tennessee bankruptcy attorney

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.

How Can I Get Rid of My Student Loans Quickly?

How Can I Get Rid of My Student Loans Quickly?

Almost every person dreads student loans after graduation. Even if you received a few scholarships, student loans for many students run up to tens of thousands of dollars. Most students do not have the financial resources to pay off these loans as quickly as they would like. Some people worry about either falling behind on payments or being trapped in a situation where they cannot pay at all. The good news is there are options. If you have any financial concerns or questions about bankruptcy, then consider talking with a Tennessee bankruptcy lawyer for guidance. 

Overcoming Loan Repayment Obstacles

How Can I Get Rid of My Student Loans Quickly?There are dozens of concerns that can cross a student’s mind when it comes to the repayment of student loans. It can help to briefly familiarize yourself with how student loan repayment works. Student loan repayment starts after you leave school or graduate, but you may also be required to start repaying if your semester hours go below half-time. Do not panic because you do have a short grace period after this when you do not have to pay.

This grace period will give you some time to settle into a job and build up your finances. The most important thing you can do to speed up your loan repayment process is to save as much money as possible during this grace period, and before you even graduate. Start saving now. Sometimes all it takes is a $100 deposit into your savings each month or every other week to build up money for repayment. 

Whenever you find yourself in the worst-case scenario where you cannot make a student loan payment upon request, you have options. You can contact your loan servicer to explain your financial situation or you can call the Federal Student Aid (FSA) Ombudsman Group to resolve any loan disputes. Do this before you miss a payment because missed payments are considered delinquent and may come with late fees and negative credit consequences. 

Seeking Loan Forgiveness or Discharge

Your other options are seeking loan forgiveness, discharge, or cancellation. The one you can choose depends on your unique circumstances. For example, loan forgiveness programs only apply under the following circumstances:

  • Partial loan forgiveness for teachers who have taught full-time for five years
  • Public service loan forgiveness if you work for an organization that is government-funded or non-profit, but you must have made 120 monthly payments

There might be other cases where you can seek loan forgiveness. Talk with your loan servicer to find out more. Loan discharge happens when you no longer have to pay off a debt. This can happen when your school shuts down, you have acquired a disability, or if you have to file for bankruptcy. 

Bankruptcy Attorneys in Chattanooga, TN

Obtaining a student loan because of bankruptcy is rare, but not impossible. To see if you might qualify for a student loan discharge for bankruptcy, reach out to our team of lawyers in Chattanooga, Tennessee, and North Georgia.

All you have to do is call a Bankruptcy attorney in Tennessee at (423) 424-3116 for a free consultation today or ask us a question on our contact page. You can find our team of bankruptcy attorneys in Chattanooga, Kingsport, and Tullahoma. 

Should I Invest in Life Insurance?

Should I Invest in Life Insurance?

Deciding whether to invest in life insurance is a massive choice to make considering the amount of money this type of insurance requires. There are two main types of life insurance out there called term life insurance and permanent life insurance. Each of these comes with their own requirements, payment plans, and benefits. Knowing the main difference between them is key for making a smart investment decision. If you have any questions about this or have financial concerns, feel free to contact a Tennessee bankruptcy attorney for advice.  

Pros and Cons of Term Life Insurance

Term life insurance offers coverage, but only for a certain period of time. This coverage can be used by your beneficiaries in the event of your untimely death. Not only can this help your loved ones escape potential financial problems, but this can help secure their future. One good aspect of term life insurance is that this is your cheapest option. 

When it comes to term life insurance, you end up paying less money for premiums each month compared to other types of life insurance. These premiums can build up to a larger cash value for Should I Invest in Life Insurance?your beneficiaries compared to permanent life insurance. This means you would be paying less money a month and building up more money for your loved ones in the event of your passing.

However, with almost every kind of benefit, there are cons. The main con with term life insurance is in the name itself. Term life insurance means you will only be covered for a brief period of time. This varies based on the term insurance plan. Depending on the plan you choose, you may be covered until the age of 65 or for five or 20 years. In other words, your beneficiaries will not be covered by life insurance if you pass away after this time period ends. 

Costs and Benefits of Permanent Life Insurance

Permanent life insurance may be more expensive with less of a payout in the end, but your beneficiaries are guaranteed coverage upon your death. Unlike term life insurance, there is no time limit for this type of insurance plan. As long as you keep paying the monthly premiums, you will be covered for the rest of your life.

Your life policy can also grow with time as you continue to pay the premiums. The cost of choosing permanent life insurance is less of a return on investment compared to term life insurance, but the benefit is you know your loved ones will be covered. 

Bankruptcy Attorneys in Chattanooga, TN

If you are still unsure about whether you should choose term life insurance or permanent life insurance, then consider asking one of our lawyers for guidance. We have worked with clients from Chattanooga, Tennessee, and North Georgia on financial challenges related to bankruptcy for several years. 

All you have to do is call a Bankruptcy lawyer in Tennessee at (423) 424-3116 for a free consultation today. You can also leave us questions on our contact page. Our team of bankruptcy lawyers are located in Chattanooga, Kingsport, and Tullahoma. 

Can People with SSDI Receive a Stimulus Check?

Can People with SSDI Receive a Stimulus Check?

With the coronavirus (COVID-19) going on, you might be wondering whether you are still eligible to receive a stimulus check if you are receiving Social Security Disability Benefits (SSDI). This is a reasonable concern, considering the current unstable economic situation surrounding COVID-19. Many businesses have had to shut down, leading to the loss of hundreds of jobs. Talk to a Tennessee bankruptcy attorney if you have concerns about your financial situation.  

Eligibility for SSDI Benefits

Can People with SSDI Receive a Stimulus Check?As you know, SSDI benefit eligibility can change depending on your circumstances and on the condition of your disability. Knowing what changes could affect your SSDI benefits is important for preserving your financial situation. As a start, it can help to refresh on what requirements you need to receive SSDI benefits:

  • You must be diagnosed with a disability that is listed in the Social Security Administration (SSA) Blue Book
  • Your disability must be expected to last at least a year or lead to death
  • The SSA definition of a disability is a mental or physical condition that significantly impairs your ability to work
  • The disability prevents you from working

Some people may lose their SSDI benefits and think the stimulus check is to blame. However, if any of these factors have changed since you started receiving disability benefits, then this may account for instances where the SSA decreased your benefits or ceased approving your benefits entirely. Be sure to check with the SSA about this by calling them to inquire why your SSDI benefits have changed. 

Do People on SSDI Receive Stimulus Checks?

According to the Internal Revenue Service (IRS), people who have been receiving disability benefits like SSDI or Supplemental Security Income (SSI) before January first of 2020 can still receive stimulus checks. Those who filed a 2018 or 2019 tax return will receive a stimulus check amount based on that. Recipients who did not file a tax return will still be eligible for a stimulus check.

You should receive the stimulus check the same way you receive your SSDI benefits. If you do not have children, your payment should come out to $1200 that may be sent through direct deposit or paper check, depending on your preferences for how you receive SSDI benefits. You should receive an additional $500 for each qualifying child you have. 

A qualifying child is a relative who was under the age of 17 by the end of 2019 and has live with you for longer than half a year. Your child must have also been claimed as a dependent on your return. 

Bankruptcy Lawyers in Chattanooga, TN

In the event that you have not received your stimulus check or find yourself stuck in a downhill financial situation, feel free to reach out to one of our lawyers for legal assistance. Our experienced legal team has helped clients from Chattanooga, Tennessee, and North Georgia with various financial matters surrounding instances of bankruptcy. 

Call a Bankruptcy attorney in Tennessee at (423) 424-3116 today or feel free to leave a note on our contact page. Our bankruptcy lawyers are located in Chattanooga, Kingsport, and Tullahoma. 

What Should I Know About Emergency Funds?

What Should I Know About Emergency Funds?

During this uncertain time of the coronavirus (COVID-19) and economic struggles, many people may be dipping into their emergency funds or starting an emergency fund. There are a few strategies that can help you build up and manage an emergency fund while keeping your finances at a stable level. Doing this can decrease your chances of bankruptcy when financial losses are experienced after an emergency or unexpected event. To find out more, consider reaching out to a Tennessee bankruptcy attorney for more information.

Potential Benefits of an Emergency Fund

You probably already know a few benefits for building and managing an emergency fund, especially during these times. One obvious benefit is preparing for any financial struggles or losses that could hit you in the future. The future cannot always be predicted perfectly and having a safeguard there might help you avoid a financial catastrophe.

Four of the most common ways an emergency fund can help you are with house repairs, during times of unemployment, medical expenses, and unexpected accidents. Hurricanes and What Should I Know About Emergency Funds?other chaotic weather can bring unforeseen damages and destruction to your home. Roof repair costs alone can be expensive, but so can almost any other major house repairs.

Since unemployment has gone slightly up since the coronavirus, now is the best time to start investing in an emergency fund just in case. Medical expenses may not only come with the virus, but they can also come with unexpected accidents. Even a simple bone fracture can cost thousands of dollars without high-quality health insurance.

Speaking of unexpected accidents, there are also car accidents, workplace accidents, and slip and fall accidents that can end up costing you hundreds or thousands of dollars in medical bills and other damages.

Tips for Building a Personal Emergency Fund

At this point, you are probably wondering what the best and fastest way to build an emergency fund is, without any major financial sacrifices. Every major step towards building an emergency fund begins with a plan and small, manageable goals. The goal for an emergency fund is to determine how much money you want to save up for your emergency fund and when you want your savings to be completed.

Emergency fund building strategies involve setting up a system for consistent financial transfers into your savings account and managing this system. Most online bank accounts have an option for setting up automatic reoccurring transfers into your savings. If you cannot find this, be sure to contact your bank. You can keep track of how much is in your savings and how much closer you are to your goal by checking your account every week or twice a month.

Bankruptcy Attorneys in Chattanooga, TN

If you have questions about ways to save up money during difficult times or if you are worried about bankruptcy, contact Tom Bible Law firm for guidance. Our Tennessee bankruptcy lawyers have over 80 years of combined experience helping clients from Chattanooga, Tennessee and into North Georgia with tough financial situations like debt and bankruptcy.

You can contact a Bankruptcy attorney in Tennessee at (423) 424-3116 today or leave a note on our contact page with financial questions. Our offices are located in Chattanooga, Kingsport, and Tullahoma.