Frequently Asked Questions

What exactly is bankruptcy? Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Aren't there different kinds of bankruptcy? Yes. Bankruptcies can generally be described as "liquidation" (Chapter7) or "reorganization" (Chapter 13). Liquidation bankruptcy is called Chapter 7. Under Full Article +

Chapter 7 bankruptcy allows forgiveness of almost all debts. In this type of bankruptcy many assets can be seized by the federal court to offset any creditor losses. There are some assets however, that can not be seized. Those who file Chapter 13 bankruptcy do what is known as a debt restructuring. Under this type Full Article +

How do I make an appointment? All appointments for your first consultation are made by phone. Simply call our offices at 423-752-3000 between the hours of 8:00 am and 4:30 pm eastern standard time, and we'll be happy to put you on the schedule. How long should I schedule for the appointment? Depending on the Full Article +

Sometimes its best to ask yourself some simple questions: What if you could possibly eliminate your debt without permanently damaging your credit? What if you were given a chance to have a fresh financial start? Bankruptcy may not be the right decision for you, but you owe it to yourself to become educated about all Full Article +