Why you should talk to our Memphis bankruptcy lawyers first.
The Memphis bankruptcy lawyers who sponsor Total Bankruptcy are concerned about the welfare of people in their community. Every day, the offices of our Memphis bankruptcy lawyers receive calls from individuals having financial difficulties who have received a great deal of information that is completely incorrect. Unfortunately, many of these individuals have taken action based on incorrect information - action they have since come to regret.
That's why you should talk to our Memphis bankruptcy lawyers first - before you take any action. All you need to do is call our toll free number, 1 (877) 349-1309. Or, fill out our secure online case evaluation form with a few details about your situation. All information is kept strictly confidential. One of our experienced Memphis bankruptcy lawyers should contact you to set a convenient time for a free consultation.
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Once you talk to our Tennessee attorneys, you should have the information you need to take the right actions and begin to solve your problems.
Talk to an attorney before you see a "credit counselor".
You should only see a credit counselor if you have already determined that you should clear up your current problems without filing either Chapter 7 or Chapter 13. Even then, however, you must be very careful when selecting a credit counselor. If the credit counseling firm you hire messes up, it's your credit that takes the hit. Not to mention that one firm might charge you hundreds of dollars more than another agency doing exactly the same thing.
The Federal Trade Commission recommends consumers ask providers of debt-management plans the following questions before agreeing to a plan:
How much do I have to owe to use your services?
How do you determine the amount of my payment?
What happens if this is more than I can afford?
How does your debt-repayment plan work?
How will I know my creditors have received payments?
Is client money put in a separate account from operating funds?
How often can I get status reports on my accounts? Can I get access to my accounts online or by phone?
Can you get my creditors to lower or eliminate interest and finance charges or waive late fees?
Is a debt-repayment plan my only option?
What if I can't maintain the agreed-upon plan?
What debts will be excluded from the debt-repayment plan?
Will you help me plan for payment of these debts?
Who will help me if I have problems with my accounts or creditors?
How secure is the information I provide to you?
Unless you receive solid, documented answers to each and every one of these questions, you should strongly consider interviewing other resources before making your decision. What you choose to do to improve your situation will have a major affect your life. So, before you proceed, make sure that you're making the right step.
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.