We all start out with good intentions. Sometimes young couples are told “you cannot survive in this world without credit cards”, so they fill their wallet with plastic. Before they know it, their company begins to downsize, or a family member becomes ill and they are no longer able to make payments. Then the letters start and the phone calls from collection agencies.
You are not a failure, it is not your fault. Do not sit around and beat yourself into the ground. Take control of the situation and get some help. If you live in Tennessee in the Nashville, Murfreesboro or Columbia area, you have help from a Chapter 13 Attorney in Nashville, TN. You may call and make an appointment to come in for a free consultation. There will be a number of things you will need to bring with you like your pay stubs, last year’s income tax filing, a list of your indebtedness, and so forth. With this information, you will meet with an attorney who understands and cares about your situation.
Your consulting attorney will review your information, and then discuss your options. There are several bankruptcy filings one can do. If you are still working and there is a possibility that you could partially repay some of your indebtedness, then Chapter 13 may be your option. This will not be an easy process for you, but your attorney will try to make it as stress free as possible. One of the best parts about getting the process started, you can stop the harrassing phone calls and letters that you are getting at home or at work. You can refer them to your attorney, and if they call again, just hang up! The process may take some time to make arrangements for a payment schedule that you can live with, that is why it is imperative that you present to your Chapter 13 Attorney in Nashville, TN all of your information that is requested. They want to get you back on your feet and make you financially independent again. You will be given a fresh start, this time with a little more wisdom and a lot less plastic.
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