Avoid unnecessary hassle and unpleasant surprises with our services
When you run out of funds, you notice that debt collectors and repossessions are just round the corner. With the help of the Law office of W. Thomas Bible, Jr., you can find an easy way to manage the situation.
Stop creditor harassment and repossessions
When you sign up with our firm, you can inform your creditors to talk to us about your debt. We'll file for bankruptcy. This enacts the automatic stay, a legal injunction that stops creditors from taking any legal action against you, and even stops them from calling and writing you.
The same goes for repossessions as well. As soon as the automatic stay goes into effect, your creditors cannot repossess your property. If you file for Chapter 13 bankruptcy, you can pay down your outstanding car debt and other debts over 3 to 5 years. If you file for Chapter 7 bankruptcy, your unsecured debt is eliminated.
Stop foreclosure
You can save your home easily by filing for bankruptcy. It's a time sensitive procedure because, as long as your bankruptcy petition is filed before the date of the foreclosure sale, bankruptcy can stop the sale from taking place. If it's done any time after this date, there's no way your property can be saved. You can even talk to us about emergency bankruptcy petitions that we can use to save your home.
Stop wage garnishment
In cases of credit card debt, medical debt and other types of unsecured debt your creditor may file a lawsuit against you for not paying. If the creditors win, they can directly take money off your paycheck or bank account. When you file for bankruptcy the bank will put a stop to this and it's possible to recover wages that have already been garnished in a few cases.
Get a bankruptcy attorney who can fight for your assets and help you protect them as long as possible.
If you're in Chattanooga, TN, and have questions about bankruptcy, call us for a FREE consultation.