Ch. 7 & Ch. 13

CH. 7 & CH. 13 Bankruptcy Assistance in Memphis, TN

Compassionate Lawyer Can Help You File Chapter 13 Bankruptcy in Memphis

Consumer debt is steadily rising. If you are struggling to pay back your own debts, you are not alone. Unfortunately, whether you accrued debt because of medical emergencies, unexpected job loss or simply overspending, the end result of not repaying debt is having credit cards go into default or even losing your car or home. Don’t let yourself live in fear of the next phone call or knock on the door. 

Wages & Benham Law Office, can help you get back on your feet by filing for bankruptcy. Our experienced attorneys understand that debt is a sensitive subject and always act with kindness and compassion while working with you.
Bankruptcy - ATM Card in Memphis, TN

Memphis Chapter 13 Attorneys

Keep Your Home, Auto, & Other Assets With Ch. 13

How To Qualify

Filing Chapter 13 is appropriate for people who are behind on their mortgages and car payments and who also have unsecured debt such as credit cards. While you will still need to pay on mortgages, cars and on government-related debt such as back alimony or child support, you only have to pay a percentage of your credit card debt. Chapter 13 judgments can stop creditors from putting liens on your home or car as well as stop foreclosure and wage garnishment.

If you are behind on your payments, Chapter 13 bankruptcy is typically your best option for a fresh start. You will keep your home, vehicle, and a plan will be created for you to catch up on your payments.

We Will Walk You Through The Entire Process
Stop Foreclosure, Wage Garnishment & Liens

When you come to our firm and talk to a lawyer about filing Chapter 13 bankruptcy, we will walk you through the entire process. Very basically, it involves creating a plan in which you will repay your debt. These repayment plans typically last three to five years, during which you will pay a specific amount on secured debt such as your home. If any money is left over, it is divided between unsecure debts such as credit cards. 

Memphis Chapter 7 Attorneys

Unforeseen events can send even the most financially stable people tail spinning into a spiral of uncontrollable debt. Unemployment or a sudden illness can make it impossible to meet your financial obligations. When it seems like there is no way out, Wages & Benham is here to help.

For more than 60 years, our firm has helped countless people in Memphis and throughout west Tennessee stop the debt spiral with bankruptcy. Our caring and compassionate attorneys will evaluate your financial situation and help you decide if Chapter 7 bankruptcy is right for you.

To schedule a free consultation with one of our Memphis Chapter 7 lawyers, contact us online or call 901-323-3902.

We Will Help You Get a Fresh Start With Chapter 7 Bankruptcy

In a Chapter 7 bankruptcy case, if you are current on the payment of your note, with no delinquency or default to the creditor, you may be able to keep your house and/or your car. Only those assets with positive equity might be sold by the Chapter 7 Trustee to pay creditors. Chapter 7 is available every 8 years.

 Get Your Life Back Today

Most people filing for Chapter 7 find that they are able to keep the majority of their possessions, including their home and cars. We will help you determine which of your assets you can expect to keep and which may be liquidated. Chapter 7 allows debtors to quickly discharge qualifying debts and help you get a fresh start. 

We encourage you to give us a call and schedule your free confidential consultation with us today. Our experienced attorneys will always be there to walk you through the process with trust and compassion. We can end the phone calls, scary letters, and stop the snowball that debt can turn into. We will find the plan that is best fit for your life and your current situation. To schedule a free consultation with one of our attorneys, contact us online or call 901-323-3902.
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