Bankruptcy of Memphis

Chapter 13 Bankruptcy Putting Your Debts on a Wage-Earner Plan If you have fallen behind on your debt payments, you could be facing some very serious consequences, including foreclosure and repossession. Chapter 13 bankruptcy , also known as a wage-earner plan, is one option that may allow you to catch up with your debts. I'm Steven Bilsky , a Memphis-based attorney with more than 30 years of Tennessee bankruptcy experience. If you are looking for a lawyer who will provide you personal guidance through the Chapter 13 bankruptcy process, don't hesitate to contact me to set up a free consultation. Common-Sense Solutions to Everyday Problems Throughout Chapter 13 bankruptcy you will be able to pay your debts on a three- to five-year repayment plan without any interest or late fees. Chapter 13 bankruptcy is particularly useful for catching up with debts that cannot be eliminated in Chapter 7 bankruptcy . Chapter 13 bankruptcy payment plans are frequently called wage-...

Are You Eligible for Debt Elimination? Chapter 7 bankruptcy is a relatively straightforward way of getting rid of debts you cannot afford to pay. If you are eligible for Chapter 7 bankruptcy , it may be possible to get your credit card balances, medical bills and other debts eliminated within a matter of a few months. I'm Steven Bilsky , a Memphis-based attorney who has been helping clients in Tennessee achieve debt relief through bankruptcy for more than 30 years. To learn more about your Chapter 7 bankruptcy options, contact me today to schedule a free consultation. Make a Fresh Start by Discharging Unsecured Debts Chapter 7 bankruptcy — also known as liquidation or straight bankruptcy — allows eligible debtors to completely eliminate certain types of unsecured debts. An unsecured debt is a debt that is not backed by a particular piece of property like a home, car or item of furniture. Credit cards and medical bills are the most common types of...

MEMPHIS BANKRUPTCY ATTORNEY Get A Fresh Start Dealing with the constant stress and anxiety of debt can make life difficult. Collection calls, unmanageable debt, wage garnishments and threats of home foreclosure can make anyone lose sleep. If you facing significant debt problems, bankruptcy may provide the relief you are seeking. Bankruptcy has allowed millions of people to obtain debt relief and get a fresh start. I Can Help I am attorney Steven F. Bilsky . I have more than 30 years of experience in bankruptcy law. I have helped thousands of clients obtain debt relief. I practice exclusively in bankruptcy law to provide each of my clients with sound advice and knowledgeable representation. If you need to speak with an experienced bankruptcy lawyer , I am pleased to offer a free consultation. To schedule your consultation, contact my law office in Memphis, Tennessee. Legal Services Tailored To Meet Your Needs I understand that each of my clients is facing a unique debt pro...

If you are struggling with the burden of unmanageable debt, bankruptcy may be the answer for you. Bankruptcy has allowed millions of people to obtain critical debt relief. Bankruptcy may allow you to: Eliminate or significantly reduce your debts Stop creditor harassment Stop wage garnishment Stop home foreclosure Stop auto repossession Obtain other debt relief Get the fresh start you have been seeking. Contact me, attorney Steven F. Bilsky . I have been practicing in bankruptcy law for more than 30 years. I have helped thousands of clients obtain debt relief. I practice exclusively in bankruptcy law to provide each of my clients with highly skilled and knowledgeable representation. My Bankruptcy Services I represent clients in both Chapter 7 and Chapter 13 bankruptcy: Chapter 7 bankruptcy : With a Chapter 7 bankruptcy, you may be able to discharge most forms of debt, including credit card debts, medical bills and other consumer debts. Chapter 13 bankruptcy : With a ...

Memphis, Tennessee, Law Firm My Commitment To You I am attorney Steven F. Bilsky , and I am committed to making a positive difference in the lives of my clients. As a lawyer practicing exclusively in bankruptcy law, I work daily on behalf of clients who are often facing some of the most difficult times of their lives. I understand that the work I do often has a significant impact on the lives of my clients and their families. When I chose to take a case, I do so with an understanding of what is at stake and with a deep sense of commitment to the client I serve. My Experience And Commitment To Client Service I am proud to offer the experience and expertise that you might expect to find only at a large law firm while still offering the highly personalized, accessible and responsive representation you would expect to receive from a solo practitioner. I work closely with my clients to understand their debt problems and create debt relief plans that are tailored to meet their nee...

Memphis Light Gas and Water bills are often the reason that people file either Chapter 7 bankruptcy  or Chapter 13 bankruptcy .  If you decide to have your utility services reconnected by filing either type of bankruptcy , MLG & W will close out your old account, and start a new one.  However, they will charge a reconnect deposit, which can be between $150 and $300, and add this to your new bill.  If you are currently in a bankruptcy and make a new bill after you have filed a case, MLG & W will not allow this bill to be added to your bankruptcy .  Also, if the utility bill has been incurred as a result of a “diversion” or stealing services, these charges cannot be paid through your Chapter 13 bankruptcy  plan, and MLG & W will fight the ability to discharge these bills.  You will need to contact a customer service representative at MLG & W to set up arrangements to pay these charges.

If your car has been repossessed , and has not been sold at auction, it is possible to get the car returned by the filing of a Chapter 13 bankruptcy .  This process can take up to two weeks, but most reputable finance companies will return the vehicle within a few days after the filing.  They sometimes want their expenses, such as  car repossession fees and storage fees, paid in order to get the vehicle returned.  However, many will return the car once they have received the notice of the filing of a bankruptcy , and will add the expenses to their claim with the Court.  Quite often, your monthly payment  and interest rates can be reduced by the filing of a Chapter 13 bankruptcy .  If you do not want your car returned, you can eliminate any balance that you owe by the filing of a Chapter 7 bankruptcy  case, and also wipe out other debt.