Call or click for a qualified Memphis bankruptcy attorney
The best move a debtor may make is to hire a Memphis bankruptcy attorney. With a qualified Memphis bankruptcy attorney, a person in serious financial distress may begin the process of saving their home and ultimately, rebuilding their credit.
Go online to get real legal help
You can find a qualified sponsoring Memphis bankruptcy attorney of Total Bankruptcy online, thanks to Kevin Chern, one of the country's prolific consumer bankruptcy attorneys. Mr. Chern works closely with every sponsoring Memphis bankruptcy attorney to help them provide their clients with excellent service. This cooperative effort uses state-of-the-art technology and a broad knowledge base to provide every debtor with outstanding accessibility to their legal counsel with flexible payment plans.
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Memphis
2600 Poplar Ave. Suite 515 Memphis, TN 38112 Map | Directions | Case Evaluation |
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Start getting your finances in order!
Are your bills piling up unopened? Is concern over your debts affecting your health? Like so many people today, you may have encountered a combination of unforeseen events such as divorce, job loss, inadequate health insurance and the resulting medical bills, or injury and disability. Let a sponsoring bankruptcy attorney of Total Bankruptcy contact you at a time convenient with your schedule to provide a free, no-obligation consultation. Chapter 7 may be your lifeline and a huge step toward rebuilding a more secure financial future. Filing a Chapter 7 or Chapter 13 debt consolidation is your legal right and a courageous step that should obliterate the crushing stress of enormous debt.
When you contact Total Bankruptcy you get someone uniquely focused on your situation. Whether you qualify for a Chapter 13 or a Chapter 7 or don't want to file at all, we help give you the necessary information to let you make the final decision.
The choice is yours whether to file or not.
If you have a regular source of income and have enough disposable income, you may qualify for a Chapter 13 filing. To be eligible for a Chapter 13 you must have income left over after your expenses for basic human needs each month to allow you to make your monthly payments in a timely fashion under your repayment plan. There is no set formula for determining how much income is enough, and the courts are flexible in determining this. Courts will often require you to submit a proposed budget to see if you should satisfy these requirements. In addition, your debts must not be too high. If your secured debts (which include loans you have secured by liens on your property, such as your home and auto loans, and even IRS tax liens) exceed $922,975, you are not eligible for a Chapter 13. Also, your unsecured debts may not exceed $307,675 (unsecured debts are debts for which you have not pledged any of your property as collateral-such as most credit card debt, personal loans, and utility bills).
If most of your debts are unsecured and you don't have a steady income, you won't qualify for a Chapter 13 but may qualify for a Chapter 7.
Call our toll free number, at 1 (877) 349-1309. Or, use our online case evaluation form.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.