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August 2015 Archives

Business bankruptcy can offer new beginnings

Bankruptcy is often viewed as an end, a process of last resort for people and companies that are drowning in insurmountable debt. However, for individuals and businesses right here in Tennessee and throughout the rest of the country, bankruptcy can actually offer something different: a positive and new beginning.

Don't let credit card debt ruin your financial life

Many Tennessee residents carry balances on their credit cards. Carrying a balance means that a credit card holder fails to pay off the full amount of his charges each month and allows a portion of those charges to roll over on to his next credit card bill. While some card holders may know that they will be able to pay off their full debts in a subsequent billing cycle, others may not know if they will ever be able to catch up on their credit card bills.

Foreclosure help may be available to struggling homeowners

The personal bankruptcy process can serve a number of different purposes to help individuals and families achieve a fresh financial start. Personal bankruptcy options can provide debt relief and may also help a family struggling to save a family home from foreclosure. There may be options available throughout the foreclosure process to help an individual or family attempting to save their home.

Using bankruptcy to stop wage garnishment

Many Tennessee residents face financial challenges from time to time, whether they are caused by job loss, unexpected medical bills or just the economy in general. These challenges can lead to unpaid bills and credit card debt. Creditors may start calling and when they are unable to contact you or reach an agreement, they may sue you. Once a lawsuit is filed against you, creditors can then garnish your wages. After taxes and other deductions, you likely have very little income to work with as it is. But, with our help, we can prevent wage garnishment so you can keep more of your money.

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Richard Banks & Associates

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Cleveland, TN 37364-1515
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