When people come to me for help overcoming debt, they often bring piles of past-due bills. I take great pleasure in switching on the shredder and dumping the bills in. It's the symbolic first step on the road to debt relief. I'm Ben Sissman, a Memphis bankruptcy attorney with more than 30 years of experience helping people like you eliminate debt.
Creditors can make all the threats they want. The truth is, you can file for bankruptcy and still live a perfectly happy and comfortable life, free of embarrassment and full of hope for the future. There's a good chance you'll be able to keep your house and car - as long as you have an experienced Tennessee lawyer like me on your side.
Creditors can make all the threats they want. The truth is, you can file for bankruptcy and still live a perfectly happy and comfortable life, free of embarrassment and full of hope for the future. There's a good chance you'll be able to keep your house and car - as long as you have an experienced Tennessee lawyer like me on your side.
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How much better would your life be if you weren't living every day under the heavy burden of overdue credit card bills, threats from collection agencies and the bank threatening to take away your house or repossess your car? Most people who file bankruptcy say they can't believe the relief they get from the very first day they file.
The founders of our country understood that if America stands for anything, it stands for giving people a second chance. And that includes debt relief. I am Memphis bankruptcy attorney Ben Sissman. Over the course of more than 30 years, my law firm has shown thousands of people just like you the road back to financial freedom.
To file Chapter 7 bankruptcy, you must pass the means test. One of the key factors the means test looks at is your income. If your income is less than the median for a person in Tennessee, the means test will not be a problem. Even if your income is greater than the median, you still may pass the means test based on other factors.
There are many reasons for choosing a Chapter 13 bankruptcy rather than a Chapter 7. The specific facts of your financial situation will determine which type of bankruptcy is right for you. Your first step will be an initial consultation with a bankruptcy law attorney. If Ben Sissman, Attorney at Law, represents you, I will ask you to bring documentation of all your debts, income and assets to that free consultation.
The stress of debt can take an enormous toll on your emotional and psychological health. The stress keeps you from sleeping at night. You dread the ringing of the phone and the arrival of the mail. Maybe you even feel that your family is losing confidence in you. Worse yet, you may lose belief in yourself.
