Helping people find bankruptcy relief for over 20 years. We can help you put a stop to repossessions, garnishments, creditor harassment and foreclosures. We offer free consultations in regards to Chapter 7 and Chapter 13 bankruptcy. The Bankruptcy Code was established to assist those are struggling financially and are in need of a life line. When you need a Cleveland, TN, lawyer to advise you about bankruptcy, turn to the Law Offices of Rod Miller, PC.
We provide each client with personalized attention, and we'll evaluate the details of your case for free. Our staff will work with a focus on the details to get you the best financial outcome possible, and we're readily accessible to answer any questions you may have during the process. I think one of the hardest things my wife and I had to do was file chapter 7 bankruptcy.
We had worked so hard to gain the trust of creditors and to file was very hard because we didn't want to let the people that trusted us down, but after my wife had unexpected surgery and hospital stay and all the bills were piling up and savings was gone and no health insurance we had no chose.
We provide each client with personalized attention, and we'll evaluate the details of your case for free. Our staff will work with a focus on the details to get you the best financial outcome possible, and we're readily accessible to answer any questions you may have during the process. I think one of the hardest things my wife and I had to do was file chapter 7 bankruptcy.
We had worked so hard to gain the trust of creditors and to file was very hard because we didn't want to let the people that trusted us down, but after my wife had unexpected surgery and hospital stay and all the bills were piling up and savings was gone and no health insurance we had no chose.
Services
A Chapter 7, sometimes referred to as "straight bankruptcy, " is ideal for those whose debt is mainly unsecured and who have a minimal amount of assets.
Most unsecured debts can be discharged through chapter 7, with some exceptions, such as student loans, criminal fines, and most taxes.
If you are burdened with unsecured debt, such as credit cards or medical bills, a chapter 7 bankruptcy will discharge, or cancel, the bulk of those debts.
If you have secured debts, such as mortgaged property and financed cars, you can continue to make the scheduled payments or return the property to the securing party and discharge the balance.
Most unsecured debts can be discharged through chapter 7, with some exceptions, such as student loans, criminal fines, and most taxes.
If you are burdened with unsecured debt, such as credit cards or medical bills, a chapter 7 bankruptcy will discharge, or cancel, the bulk of those debts.
If you have secured debts, such as mortgaged property and financed cars, you can continue to make the scheduled payments or return the property to the securing party and discharge the balance.
Chapter 13, sometimes referred to as a "wage earner" plan because you must be earning an income or receiving some other form of regular income such as Social Security in order to participate, involves restructuring and a 3-5 year debt repayment plan.
In a chapter 13 bankruptcy, rather than canceling your debts altogether, you are paying back your creditors at least a portion of what they are owed.
In most cases, unsecured debt is paid off at a percentage on the dollar, frequently 70%, with no further interest.
In a chapter 13 bankruptcy, rather than canceling your debts altogether, you are paying back your creditors at least a portion of what they are owed.
In most cases, unsecured debt is paid off at a percentage on the dollar, frequently 70%, with no further interest.
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