NORCROSS, GA, June 21, 2013 (Press-News.org) There has not been much a of decline in bankruptcy filings this spring with 462 Chapter 13 and Chapter 7 filings in the Chattanooga area alone for the month of March. Tennessee continues to lead the nation in filings with single digit declines so far this year. In Tennessee, there are 6.7 filings per 1000 people which put them at number one in the nation followed by Georgia, Alabama and Illinois.
Overall, there has been a national decline in bankruptcy filings due to economic improvement. There are several areas of the United States that are seeing a slower recovery and Tennessee is one of them.
Chapter 13 and Chapter 7 Chattanooga bankruptcy filings are distinctly different. Chapter 13 filings are intended to provide a consumer with the option to retain their assets while their debt is restructured to be paid in a repayment plan over up to five years. A Chapter 7 bankruptcy involves the selling of a consumer's assets to pay off the debt. A professional Chattanooga bankruptcy attorney can evaluate your situation and offer guidance as to which method would suit your needs.
There are many documents concerning your current economic situation and assets that should be provided to your Chattanooga bankruptcy attorney to successfully file for bankruptcy which includes:
- a recent credit report
- information on any debtors including collection agencies
- a detailed list of current personal property
- information on real property that you may hold
- three years of income tax records
- your current earnings
Once your attorney receives this information they can create a profile of your economic situation that will allow them to determine if bankruptcy is the best solution for you. If bankruptcy is a viable solution, they will be able to explain whether your bankruptcy should be filed under Chapter 13 or Chapter 7.
The nation as a whole is seeing an improvement economically and lower bankruptcy rates are an indicator of that trend. Some states, such as California and Nevada, have shown a 30% decline in filings this past year. Chattanooga is taking longer, but with continued improvement filings should decrease. March is often the highest month for filings.
Hiring a professional legal representative, such as a Chattanooga bankruptcy attorney, should be done with care. It is imperative that you hire an attorney with experience in bankruptcy filings and a complete understanding of Chattanooga bankruptcy law.
For more information, visit http://www.chattanooga-bankruptcy-attorney.com.
About Clark & Washington:
Established in 1983, Clark & Washington is now one of the leading bankruptcy filers in the Southeast. They have locations in Georgia, Florida and Tennessee. Clark & Washington specializes in personal chapter 7 and chapter 13 bankruptcy. They offer honest, helpful legal advice to those experiencing financial hardships.
For more information, visit http://www.chattanooga-bankruptcy-attorney.com.
For all media inquiries, please contact:
Allie Petit
Content Manager
Cardinal Web Solutions
http://www.CardinalWebSolutions.com
Chattanooga Bankruptcy Experts, Clark & Washington, Mention 462 Chapter 13/7 Filings in March
Hiring a professional Chattanooga bankruptcy attorney is often necessary and their assistance can help you decide if filing a Chapter 13 or Chapter 7 bankruptcy is right for you.
2013-06-21
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[Press-News.org] Chattanooga Bankruptcy Experts, Clark & Washington, Mention 462 Chapter 13/7 Filings in MarchHiring a professional Chattanooga bankruptcy attorney is often necessary and their assistance can help you decide if filing a Chapter 13 or Chapter 7 bankruptcy is right for you.