Chapter 7 Bankruptcy

West Tennessee Chapter 7 Bankruptcy Attorneys

Are you overwhelmed with debt? Are creditors hounding you for late payments? Do you feel trapped with no clear direction towards debt relief?

At Mueller & Ellis, PLC in Jackson, Tennessee, we offer skilled representation for people who are over their heads in consumer debt. We will work closely with you to determine the most appropriate debt relief option for your situation.

If you qualify, Chapter 7 bankruptcy can eliminate all of your eligible debts. Contact our law firm today to discuss whether Chapter 7 is the right option for you.

Who qualifies for Chapter 7 bankruptcy?

Chapter 7 bankruptcy is not for everyone. The bankruptcy law passed in 2005 requires people to pass a "means test" before they can file for Chapter 7. The test takes into account your income level, your living expenses, and how much you owe.

The lawyers at Mueller & Ellis, PLC will help you put together a thorough summary of your income, bills and debts and analyze whether you pass the bankruptcy means test. If you do, and if Chapter 7 is a positive solution for your debt problems, we will file your case and walk you through the process.

People who earn more than the median income for families of their size in Tennessee often do not qualify for Chapter 7 bankruptcy relief. If that is the case for you, filing for Chapter 13 bankruptcy may still be a viable solution. Whether you file for consumer bankruptcy under Chapter 7 or Chapter 13, you will need to participate in a credit counseling program.

How does Chapter 7 bankruptcy debt relief work?

As soon as you file for bankruptcy, a court order goes into place that immediately puts an end to creditor harassment and all other collection actions until the bankruptcy is over. Although Chapter 7 is sometimes called an "asset liquidation," you generally will not have to sell your car or any personal items. In some cases, people are able to keep their homes.

Chapter 7 bankruptcy wipes away the entire amount of your qualifying debts, including:

• Credit card debt
• Unpaid household bills
• Medical bills
• Unpaid second mortgages
• Unsecured personal loans
• Leases

Some debts cannot be discharged through bankruptcy, such as tax debt, child support and spousal support payments and, in most cases, student loans.

Our legal team prepares and files all required paperwork, represents you at any bankruptcy hearings, and stays with you until the process is complete.

Contact us today

The bankruptcy attorneys at our firm will remain in close contact with you until the process is complete and the debt is cleared. For more information on our bankruptcy services, contact us online or call us at 1-888-514-4987.