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# Eron H. Epstein Bankruptcy Attorney: Chattanooga Bankruptcy Attorney : Eron Epstein is an experienced bankruptcy attorney in Chattanooga, TN. Eron Epstein is willing to help solve your financial troubles.

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## Posts
- [Switching from Chapter 13 to Chapter 7 When to Convert Your Case](https://moneyproblems.com/convert-chapter-13-to-chapter-7-tennessee/): You filed Chapter 13 with a plan. You were going to catch up on your mortgage, protect the car, and pay back a portion of what you owed over three to five years. Then something changed. The job you were counting on disappeared. The medical bills arrived. The monthly plan payment that once felt manageable now looks impossible. And your attorney mentions that converting to Chapter 7 is an option.
- [How Long After Bankruptcy Can You Use Cash App Borrow Again?](https://moneyproblems.com/cash-app-borrow-after-bankruptcy/): You did it. The court issued your discharge. The debt is gone and you finally slept through the night without dreaming about collection calls. Then, a few weeks later, you open the Cash App and notice that the Borrow feature has vanished. Or maybe it was never there, and now you are wondering when it comes back. How long do you have to wait?
- [How Much Money Can You Owe on Buy Now Pay Later Before Filing Bankruptcy](https://moneyproblems.com/buy-now-pay-later-bankruptcy-tennessee/): It started with a pair of shoes. Then a phone. Then a couch. Each one split into four easy payments, never more than $50 at a time. But somewhere between Klarna and Afterpay and that Affirm charge for the laptop, the due dates stopped being manageable. Now there are seven or eight of them stacking up every month, and you are wondering how bad it has to get before bankruptcy starts making sense — and whether all that Buy Now Pay Later debt even counts.
- [Bankruptcy and Inheritance Will You Lose Money Left to You?](https://moneyproblems.com/bankruptcy-and-inheritance-tennessee/): You just found out a relative passed away. Grief aside, you know there may be some money coming your way. But you are also in the middle of a bankruptcy, or you are thinking about filing one soon. And now you are wondering whether the trustee is going to reach out and take that inheritance before you ever see a dime of it.
- [Do You Have to List Cash App Transactions in Bankruptcy?](https://moneyproblems.com/list-cash-app-bankruptcy/): You use Cash App to split rent with a roommate, pay back your sister for groceries, and pick up the occasional Cash App Borrow advance when things get tight. Then you decide to file bankruptcy, and suddenly you are wondering whether any of that counts. Does the trustee actually look at your Cash App account? Do all those little transfers have to show up on your paperwork? What happens if you forgot to mention it?
- [Cash App Borrow vs. Personal Loans in Bankruptcy](https://moneyproblems.com/cash-app-borrow-vs-personal-loans-bankruptcy/): You wake up at 2 a.m., staring at the ceiling. Rent is due Friday, the car payment is late, and there's $47 in your checking account. So you grab your phone, open Cash App, and borrow $150 to get through the week. Sound familiar?
- [Should I Stop Using Cash App Before Filing Bankruptcy?](https://moneyproblems.com/should-i-stop-using-cash-app-before-filing-bankruptcy/): What Every Chattanooga Resident Needs to Know Before Filing
- [HOA Fees and Bankruptcy](https://moneyproblems.com/hoa-fees-bankruptcy/): What Happens to Homeowners Association Debt in Tennessee?
- [Worried About Losing Your Security Deposit in Bankruptcy? Here’s What Really Happens](https://moneyproblems.com/worried-losing-security-deposit-bankruptcy/): We know what you're thinking right now. You're lying awake at night, wondering if filing bankruptcy means losing that security deposit sitting with your landlord. It's real money - money you'll need when you eventually move.
- [Will You Lose Your Settlement Money If You File Bankruptcy? Let’s Talk About It](https://moneyproblems.com/lose-settlement-money-if-file-bankruptcy/): You finally got your settlement check. After everything you've been through - the accident, the pain, the medical appointments, fighting with insurance companies - you have money that's supposed to help you get your life back together.
- [PayPal Credit vs. Credit Cards in Bankruptcy — What’s the Difference?](https://moneyproblems.com/paypal-credit-vs-credit-cards-bankruptcy/): A Tennessee Guide from Eron H. Epstein, Bankruptcy Attorney • Chattanooga, TN
- [Will the Trustee Take My Tax Refund If I File Chapter 7 Bankruptcy?](https://moneyproblems.com/will-trustee-take-tax-refund-chapter-7-bankruptcy/): What Chattanooga, Tennessee, Filers Need to Know Before Tax Season
- [How Bankruptcy Can Stop Debt Lawsuits in Tennessee](https://moneyproblems.com/bankruptcy-stop-debt-lawsuits-tennessee/): You're opening your mail after a long day at work, and there it is—a summons. A debt collector has sued you. Your stomach drops. Questions flood your mind. What happens next? Will they garnish your wages? Can they take your car or put a lien on your house? Many people in this situation don't realize that filing bankruptcy can stop the lawsuit immediately and provide legal protection from creditors.
- [Year-End Financial Stress – Is Bankruptcy the Right Step Before the New Year?](https://moneyproblems.com/year-end-financial-stress-bankruptcy/): The credit card statement arrives in early January. Your hands shake slightly as you open it. $8,742.63. The holiday season felt magical just two weeks ago, but now those gifts, the family dinner you hosted, and the emergency car repair that couldn't wait have left you staring at a balance that seems impossible to pay down. For some, the weight of this debt might even make bankruptcy feel like the only option.
- [Holiday Spending Debt: How Bankruptcy Can Help You Recover](https://moneyproblems.com/holiday-spending-debt-bankruptcy-help/): If you're reading this in January, chances are you're looking at credit card statements that make your stomach drop. You're definitely not alone. Last holiday season, more than one-third of Americans added an average of $1,180 to their debt load. For many Chattanooga families, what was supposed to be a season of joy has turned into months of financial stress.
- [Bankruptcy and Payday Loans in Tennessee: Your Path to Financial Freedom](https://moneyproblems.com/bankruptcy-payday-loans-tennessee/): Life has a way of throwing curveballs when you least expect them. Your car breaks down the same week your child gets sick, or an unexpected medical bill arrives just before rent is due. In these moments, those bright payday loan storefronts scattered across Tennessee can seem like lifesavers.
- [Who’s Responsible for Credit Card Debt When an Authorized User Makes Charges?](https://moneyproblems.com/authorized-user-credit-card-debt-responsibility/): Sarah thought she was doing the right thing. When her 19-year-old son Jake headed off to college, she added him as an authorized user on her credit card so he could handle emergencies and start building credit. Fast forward six months, and Sarah's looking at a $4,500 bill for gaming equipment, restaurant meals, and spring break expenses she never approved.
- [Managing Affirm, Klarna, and Afterpay Debt Through Bankruptcy](https://moneyproblems.com/affirm-klarna-afterpay-debt-bankruptcy/): It probably started innocently enough. A $50 pair of shoes you could split into four easy payments. A smartphone that seemed reasonable at just $33 a month. Fast-forward six months, and your calendar looks like a minefield of payment due dates—Affirm here, Klarna there, Afterpay everywhere. Each notification brings another ding to your bank account, and suddenly those "small" payments don't feel so manageable anymore.
- [How to Get Rid of Medical Debt Through Bankruptcy in Tennessee](https://moneyproblems.com/get-rid-medical-debt-bankruptcy-tennessee/): When medical bills threaten your financial security, bankruptcy may be the solution you need
- [Can Bankruptcy Discharge Loans from Money Apps Like Dave, MoneyLion, and Brigit?](https://moneyproblems.com/bankruptcy-discharge-money-app-loans/): You’re a few days away from payday, your checking account is low, and you just need a little help to make it through the week. That’s when many Tennessee residents turn to money apps like Dave, MoneyLion, Brigit, or Earnin for small cash advances. At first, these apps can feel like a lifesaver—but over time, the fees, automatic repayments, and repeated borrowing can create a cycle that feels impossible to escape.
- [Debt Consolidation Loans vs. Debt Relief Programs in Tennessee: Which Option Makes Sense for You](https://moneyproblems.com/debt-consolidation-vs-debt-relief-tennessee/): Mounting bills can feel overwhelming, and managing multiple payments each month may seem impossible. If you’re a Tennessee resident struggling with credit card debt, personal loans, or medical bills, you’re not alone. Many people start exploring options like debt consolidation loans or debt relief programs to regain control of their finances.
- [Can You File Bankruptcy for Unpaid Rent In Tennessee After Moving Out?](https://moneyproblems.com/file-bankruptcy-unpaid-rent-tennessee/): Dealing with unpaid rent or eviction fees from a previous rental can feel overwhelming. If you’ve already moved out, you may be receiving collection calls, letters from former landlords, or even lawsuits. Many Tennesseans don’t realize that bankruptcy can be a solution to help eliminate this debt and start fresh.
- [What Happens When a Credit Card Company Sues You in Tennessee](https://moneyproblems.com/credit-card-company-lawsuit-tennessee/): Being served with court papers from a credit card company can feel overwhelming. Many people are already dealing with financial stress when a lawsuit arrives, which makes it hard to know what to do next. While the situation is serious, being sued does not mean you automatically lose.
- [Protect Your Assets From Creditors Using an Automatic Stay](https://moneyproblems.com/protect-assets-from-creditors-using-automatic-stay/): When bills start piling up, creditor pressure often follows. Phone calls, letters, and threats of legal action can make it feel like everything is closing in at once. For many people, the stress is not just financial but emotional.
- [Your Home May Be at Risk, but You Still Have Options to Stop Foreclosure in Tennessee](https://moneyproblems.com/home-at-risk-options-stop-foreclosure-tn-very-close-to-original/): Getting a foreclosure notice can feel overwhelming. One day everything feels normal, and the next you are faced with the possibility of losing your home. While that moment is scary, it does not automatically mean your situation is hopeless.
- [How to Stop a Wage Garnishment Fast in Tennessee](https://moneyproblems.com/how-to-stop-a-wage-garnishment-fast-in-tennessee/): You’ve worked hard all week, but when payday arrives, your bank account shows less than expected. If your wages have been garnished, you’re not alone. Wage garnishments are a common legal tool creditors use to collect debts, and in Hamilton County, Tennessee, debt collection cases impact many adults every year.
- [What Happens to Co-Signers When Someone Files Bankruptcy?](https://moneyproblems.com/what-happens-to-co-signers-when-someone-files-bankruptcy/): You co-sign a loan to help someone you care about — maybe a child, a spouse, or a close friend. It feels like the right thing to do. But what happens when that person files for bankruptcy?
- [How to Tell When You Need to File for Bankruptcy](https://moneyproblems.com/how-to-tell-when-you-need-to-file-for-bankruptcy/): Financial struggles can sneak up on anyone. Maybe you lost a job, faced unexpected medical bills, or just got caught in a cycle of debt that’s hard to break. If you’re overwhelmed by bills, dodging collection calls, or losing sleep over money stress, you’re far from alone. Many Tennesseans face these challenges every day, wondering if bankruptcy is their only option.
- [Rebuilding Credit After Bankruptcy in Tennessee](https://moneyproblems.com/rebuilding-credit-after-bankruptcy-in-tennessee/): The weight lifts as your bankruptcy is discharged. You can finally breathe again. But as you look ahead, one question naturally comes up: What happens to my credit now?
- [Your Bankruptcy Questions Answered: Chapter 7 and Chapter 13](https://moneyproblems.com/your-bankruptcy-questions-answered-ch-7-and-ch-13/): You’ve likely heard common misconceptions about bankruptcy, like that filing means losing everything, or that it ruins your financial future forever. These myths often create fear and stop people from pursuing the fresh financial start they need.
- [When to Consider Chapter 13 Bankruptcy](https://moneyproblems.com/when-to-consider-chapter-13-bankruptcy/): Have you ever felt like you're drowning in debt with bill collectors calling day and night? You're not alone. Many Tennesseans find themselves stuck in financial quicksand, working hard but falling behind on mortgage payments, car loans, and medical bills. Chapter 13 bankruptcy might be the answer you've been searching for—not just a temporary fix, but a structured path to financial recovery.
- [Benefits of Chapter 7 Bankruptcy](https://moneyproblems.com/benefits-of-chapter-7-bankruptcy/): Have you ever felt like you're drowning in a sea of bills with no life raft in sight? For many Tennesseans facing overwhelming debt, Chapter 7 bankruptcy serves as that crucial lifeline—a legal process that can eliminate most unsecured debts and provide a genuine fresh start. While filing for bankruptcy is never an easy decision, understanding its benefits might help you make the right choice for your financial future.
- [Debt Consolidation vs. Bankruptcy](https://moneyproblems.com/debt-consolidation-vs-bankruptcy/): If you’re struggling with mounting debt and relentless creditor calls, you’re not alone. Many Tennesseans face tough decisions about managing debt, and two common solutions often come up: debt consolidation and bankruptcy. Both can provide relief, but they work very differently and have distinct impacts on your finances and credit.
- [Stopping Vehicle Repossession Before It Happens](https://moneyproblems.com/stopping-vehicle-repossession-before-it-happens/): It's 6:30 AM on a Tuesday. You're rushing to get ready for work when you glance out your window and notice something's missing—your car. That sinking feeling in your stomach confirms what you already know: repossession has happened. Your transportation, your independence, and possibly your ability to get to work are gone in an instant.
- [How to Recognize and Stop Creditor Harassment in Tennessee](https://moneyproblems.com/how-to-recognize-and-stop-creditor-harassment-in-tennessee/): Do you feel like debt collectors won't leave you alone? Constant phone calls, threats, or even contacting your family can make life stressful and upsetting. If you're facing this kind of treatment, our creditor harassment Tennessee attorney can help you stop the abuse and protect your rights.
- [What to Do If Your Car Is Repossessed in Chattanooga](https://moneyproblems.com/what-to-do-if-your-car-is-repossessed-in-chattanooga/): Car repossession is a serious issue that many face in Tennessee. This can happen suddenly, leaving you feeling stressed and uncertain. It’s important to understand your rights in this situation. A car repossession Chattanooga lawyer can provide the guidance you need to manage this challenging time.
- [Stop Creditor Harassment in Tennessee](https://moneyproblems.com/stop-creditor-harassment-in-tennessee/): The phone rings for the fifth time today. You check the caller ID—another unfamiliar number. Your stomach tightens as you let it go to voicemail, knowing it's likely another debt collector. For many people struggling with debt, this scenario plays out daily, creating a constant state of stress and anxiety. But here's what many don't realize: you have powerful legal rights that can put an end to creditor harassment, even if you still owe money.
- [How Bankruptcy is Better Than Debt Consolidation in Chattanooga](https://moneyproblems.com/how-bankruptcy-is-better-than-debt-consolidation-in-chattanooga/): Managing overwhelming debt is a daunting challenge faced by many individuals and families. When financial pressures become unmanageable, people often consider debt relief options such as debt consolidation or filing for bankruptcy. From an attorney’s perspective in Chattanooga, TN, bankruptcy can offer more comprehensive and long-lasting relief compared to debt consolidation. This article explores why bankruptcy might be a better option for those struggling with debt, providing insights into the advantages and implications of choosing this path.
- [Sherri](https://moneyproblems.com/sherri/): Thank you for representing me in my Chapter 7 Bankruptcy case. However, taking the step to acknowledge that I was over my head in debt was a life lesson that has been difficult. Your staff was very helpful!! I don't need my hand held in life, but I have to say, sometimes it is comforting when you have someone to make your situation more bearable.
- [Roma](https://moneyproblems.com/roma/): I was involved in a car accident and owed significant amount of money because of it. I was stressed out for two years to the point where it was effecting my health. Eron Epstein was able to dissolve my worries and my dept in less that couple hours. Now, I am able get back to living a stress free life. I strongly recommend Eron Epstein for anyone who is reading this. Seriously, if you're reading this because you are looking for a bankruptcy lawyer, look no further.
- [Johnetta](https://moneyproblems.com/johnetta/): Mr Epstein was Great!!! He made the entire experience very easy. While bankruptcy can be a very stressful and time-consuming process, Mr Epstein made the entire experience simple. His professionalism and expertise ensured that not only would I no longer be harassed, but could re-establish my credit by learning to manage my finances through programs designed to aid in money management. I was very pleased with the outcome and would highly recommend his services
- [Chelsi](https://moneyproblems.com/chelsi/): All around wonderful treatment from staff. I was treated with the upmost respect. It is obvious they are in this for the client. Very quick response time. I had no trouble getting in touch with them or waiting on them to contact me. A truly trustworthy team!
- [Anthony](https://moneyproblems.com/anthony/): I was involved with a debt relief program, much to my dismay it was awful. I phoned for a consultation and was rewarded with an appointment for a consultation the next day,which I gladly kept. After explaining my options very understandably I hired him. We discussed my situation and decided on a Chap. 13. He was very thorough and to the point and I appreciated that. For the first time in 3 months I was able to sleep that night. Thank you Eron and you come highly recommended by me.
- [Sherrie Lynn](https://moneyproblems.com/sherrie-lynn/): My experience with Eron Epstein and his office staff was great! Everyone was friendly, answered all my questions quickly and truthfully. It was a smooth process from beginning to end. If you need help with your money problems, I highly recommend MoneyProblems.com to give you direction, to be with you every step of the way, and resolve so you can breathe easier and get back to living life again! My thanks, again, to Eron & his team for helping me.
- [The Spender vs. The Saver](https://moneyproblems.com/the-spender-vs-the-saver-2/): Tips and Tricks to Navigate Money Problems in Marriage You are the type of person who counts every penny, saves every receipt, and is genuinely proud of their saving ways. And you finally found the person who completes you in every way except for one thing…your partner is a spender. With money and finances being the cause of most divorces this could spell trouble for your happily ever after before it begins. So, how do you put a frugal saver and an excessive spender together and make it work? Accept Who They Are The first step is to accept your partner for who they are. Their spending habits are much like their basic personality traits; engrained and hard to change. One thing to remember is that your way isn’t always the only way. Instead of trying to turn your spender into a saver try to introduce better spending habits. Work together to make a spending plan that works for both of you. Set Goals Since you and your partner are likely to approach spending and saving very differently is it important to sit down TOGETHER and make a plan, set goals, and figure out what is important to accomplish your dreams. The most important thing is to do this together. Remember it isn’t just about you anymore. Marriage is a partnership and the most successful partnerships have both partners involved. Set Boundaries Now that you and your partner have determined your goals it is time to talk about what’s left over. Decide what your priorities are and how much money you think you will need to cover those priorities. It is important to keep the path of communication open and set boundaries on where you want to spend and how much. It may take a few months to get your numbers where you want them to be, so be patient. Let There Be Fun Money Once your goals are set and your budget is planned anything left over can be considered fun money. Fun money is for those things you want but do not need. It is your Grande iced latte from Starbucks or that new golf club you have been eyeing. Do you need those things to survive? No. Do they make life a little more bearable? Yes. That is where the fun money comes into play. Set aside a small weekly fund for all those things you want but don’t need. Doing this allows for some financial freedom and avoids extreme saving and impulsive shopping. Get Involved & Revisit Your Goals Often I can’t stress enough how important it is for both parties to be involved in the finances. You should both always know what is going on and where the money is going. If the saver of the relationship is always in charge, they might feel like the “bad cop” and become resentful of taking on the sole responsibility. On the flip side if the spender is oblivious to the current financial situation spending can quickly spiral out of control. Set aside a time once a week or once every two weeks to have a “check-in”. Doing so will keep you both in the loop about what is going on with your finances. During those meetings, it is a good practice to revisit the goals you set previously, and see how you are doing. Be Transparent Honestly is always the best policy. Don’t keep secrets from each other when it comes to money. If you bought a new dress on a whim because you couldn’t resist; tell your partner. Tell them every time. We all make mistakes and it is better to let your partner know then keep it from them. If your financial problems are beyond your control and it is causing issues in your marriage it might be time to ask for help. Don’t let yourself get overwhelmed by trying to tackle all your financial problems by your help. Debt is conquerable. Sometimes all you need is a little help. Written By: Rebecca Kidd
- [5 Tips to Defeating Traveling Woes](https://moneyproblems.com/5-tips-to-defeating-traveling-woes-2/): 5 Tips to Defeating Traveling Woes & Holiday Traffic for Smooth Memorial Day Travel This year AAA has estimated that nearly 42 million individuals will be kicking off summer with a Memorial Day Getaway. Unfortunately, this is being accompanied by the highest gas prices we have seen since 2014. However, this high cost is not deterring any travelers, so this weekend you should prepare for more traffic, higher gas prices, and a possible headache. The good news is we have compiled a few money saving tips to help guide you through this hectic weekend, and help you enjoy your summer kick off. Timing is Everything As you know avoiding the heaviest flows of traffic is key to a stress-free road trip. It is already stressful enough navigating rush hour but on major holidays delays on major roads triple. The busiest days this year are going to be Thursday or Friday, May 24-25 according to INRIX. So, do your best to avoid the hustle and bustle. If you are dead set on leaving Thursday, then try to leave either really early Thursday morning or late Thursday evening. The same thing goes for Friday. The key is to avoid the rush hour times that will have commuters trying to rush home and travelers trying to rush to their destinations. Avoid Traffic Jams at All Costs Your smartphone GPS is your best friend during times like these. It can give you a heads up on traffic jams and give you an alternate route to save time and gas. Avoiding these jams even if it adds a few minutes to your trip time can save you on gas in the long run. Did you know that you burn more gas idling in your car? When your car is idling, your car is at its least efficient because your mileage is effectively zero. Don’t Punch the Accelerator < br /> On the other side of the spectrum, aggressive driving wastes fuel. Drivers who keep their cool and adopt a calm driving style could save anywhere between 33% to 38% on gas. Drive like you would if you had a cup of hot coffee in your hand. If the coffee doesn’t spill you are driving calm. Get the Best Bang for Your Buck Downloading and using gas price apps can help you find the best gas prices and save you money. Examples of these apps include GasBuddy and the AAA mobile app. Plan, Plan, Plan It is all about planning. Planning the fastest routes, planning your gas breaks and rest stops, and planning what time you should leave. Taking the time to plan an itinerary could not only save you money on travel but it could also save you a headache and unwanted stress. Don’t let stressful traveling ruin your summer kickoff, and remember drive safe, save where you can, and enjoy your Memorial Day weekend. Written By: Rebecca Kidd Resources: http://inrix.com/press-releases/memorial-2018/ https://newsroom.aaa.com/2018/05/nearly-42-million-americans-will-kick-off-summer-memorial-day-getaway/
- [Debt by Generation](https://moneyproblems.com/debt-by-generation-2/): The Generation with the Most is Not Who You Think. If someone were to ask you which generation they thought struggled the most with debt many would have the same answer…Millennials. It has been thought over the years that Millennials and younger generations were the ones struggling financially. Digging themselves into holes that could not be resolved without taking drastic measures. This simple assumption is wrong. Experian completed a study earlier this year that broke down debts by generation. This study “State of Credit” paints a picture of what debt in America looks like. D-E-B-T in the USA First, let’s look at the U.S. and the average debts possessed by many individuals As well all know there are different kinds of debt, with the most common being mortgages, credit cards, personal loans, and student loans. Most of the total debt in the US is allocated to mortgages. Next is auto loans, bankcards, and finally student loans. The average amount of debt in the U.S. is around $78,030. American’s are averaging credit scores ranging between 673-675. Consumer confidence has boosted and credit card spending hit a new record in November. While this is a good sign for consumer spending, it could spell trouble for those who cannot manage their spending habits. Some age groups are handling debt just fine while others are in hot water. So, which generation is truly suffering the most financially? Millennials Millennials the generation stereotyped as being financially unstable. The ones who are automatically associated with crippling student loan debt and mounting credit card debt. This was the generation who graduated college and began their professional careers shortly after the Great Recession that ended in 2009. This forced many to take lower paying jobs and caused their careers to come to a halt. The good news is the generation associated with debt is digging themselves out. The improving economy has allowed Millennials to improve their finances. As of 2016, they had shaved their overall average debt by 8% to $222,000. Generation X While many believe that Millennials are the generation harboring the most financial hardship it is in fact Generation Xers. This generation is not only saddled with the highest mortgage debt of all the age groups but they also owe the most debt. In a recent study by Go Banking Rates, they found that 46% of this generation carries credit balances with an average of $4000 or more. Furthermore, it is in fact Generation X, not millennials who hold the largest average of student loan balances. Between the high mortgages, the mounting credit cards, and excess student loans it is Generation X that suffers the most financially. Baby Boomers As Baby Boomers start to retire they are doing so with more debt on their shoulders. While they are not in as dire straits financially as Generation X they still hold the second highest mortgages as well as auto loans, and they hold almost as much credit card debt as Millennials. Interestingly enough, though this generation is not at the top of the debt pyramid they are still more likely to file for bankruptcy. Per the American Bankruptcy Institute, baby boomers aged 45 to 64 make up 42% of all bankruptcy filings. Entering their golden years with debt as well as increasing medical costs could be a few factors that attribute to this statistic. Bankruptcy: A Chance to Close a Chapter Financially & Start Fresh No matter your age, income, or position in life financial hardships put you in a place that no one wants to be in. The stress enough is a reason to consider what you can do to improve your financial situation. That is where bankruptcy comes in. A simple phone call to learn more could be just what you needed. If the creditors won’t stop calling, if your debt seems out of control, or if you are up worrying about your debt give us a call. Learn how bankruptcy can help you erase your debt and get the fresh start you deserve. Don’t go another sleepless night due to your finances. For more information on how bankruptcy can help you call my office today and schedule a FREE consultation 423-267-8000 Written By: Rebecca Kidd Resources: A Peek Into American Debt by Generation Generation of Debt: The Average Credit Card Debt by Age Experian Study: State of Credit: 2017
- [Student Debt – A Growing Epidemic](https://moneyproblems.com/student-debt-a-growing-epidemic-2/): Student Loans are one problem that you can’t ignore because ignoring this problem means a lot more trouble for you. As I stated above the total student loan debt in over a trillion dollars, with the average amount owed around $24,000. Per an article on studentloanhero.com, the student loan delinquency rate is around 11.2%. That means almost 4.3 million bowers are in default. Defaulting on a student loan is the one thing that you don’t want to do. Defaulting occurs when you do not make your monthly payments. The consequences for defaulting are severe because the moment you default the total outstanding balance including interest becomes due immediately. This means you will no longer be eligible for deferment or repayment plans. Furthermore, you will not be able to apply for any more student aid and the loan will then be transferred to a collection agency. With millions struggling to repay their loans there are options.
- [Zombie Debt Collectors](https://moneyproblems.com/zombie-debt-collectors/): Who They Are & What You Can Do Unless you have been living under a rock you know what a zombie is. These resurrected creatures are nearly impossible to kill and will follow you despite your best efforts to stop them. This can, unfortunately, be true for some old debts. Just like regular zombies, a zombie debt is one you thought was long gone but has suddenly come back to life. Zombie debt refers to old debt that has been purchased by debt collectors in hopes of intimidating you into paying the debt. If you have been contacted by a collection agency in regards to a debt you thought was dead and gone, don’t give in immediately. You have several ways to fight back. Demand Validation The FDCPA (Fair Debt Collection Practices Act), gives you the right to verify debts from debt collectors. Within 30 days of being contacted by the collection agency, you can send them a hand-written letter requesting validation of the debt. After the letter has been submitted the collector will send you a response that should include documents from the original collector that proves you owe the debt, the amount you owe is valid, and the agency contacting you is allowed to collect from you. Warning: Even if you know the debt is yours, don’t admit this fact and don’t agree to make even a tiny payment. Doing this could reset the clock on the statute of limitations law, allowing creditors to sue you over the debt. Know the Statute of Limitations The statute of limitations is the maximum time the debt collector can use the courts to collect on a debt. The time period of the statute varies state by state and starts on the last date of activity on the account. In many cases, collectors cannot legally sue for debt repayment if the debt went into default more than four to six years prior though there are exceptions. That is why it is important to know your local state debt collection laws. This is why it is important that even if the statute has expired, the collector may still call you in order to get you to pay and reverse the statute. To stop calls, send a cease and desist letter to the collector asking them to stop contacting you. Dispute on Your Credit Report If you have gone through the previous steps of requesting validation and the collector has failed to respond to the request, or has not submitted sufficient proof the debt is valid, then the collector cannot legally add the debt to your credit report. In either of the above scenarios, you can have the account deleted from your report by submitting a dispute to the credit bureau Don’t let zombie debt collectors come after you. Know your rights and know your debt. If it does not seem like a collector is going away anytime soon it might be time to consult with my office for additional legal advice. Written by: Rebecca Kidd
- [4 Financial Strategies for a Brighter 2018](https://moneyproblems.com/4-financial-strategies-for-a-brighter-2018-2/): If it seems like there is no light at the end of the tunnel and you are having a hard time getting all your financial ducks in a row it might be time to consider bankruptcy. For more information on bankruptcy contact my office today 423-267-8000 or you can visit my website www.moneyproblems.com. Help is just around the corner. All you have to do is ask. It is time to start 2018 fresh and debt free.

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- [Bankruptcy Attorney in Chattanooga, TN: Benefits of Bankruptcy](https://moneyproblems.com/bankruptcy-attorney-in-chattanooga-tn-benefits-of-bankruptcy/): Debt can feel like a heavy burden, making it hard to move forward. If you are struggling to pay bills and facing collection calls, bankruptcy may be an option to help you get relief. Our bankruptcy attorney in Chattanooga, TN, can explain how filing for bankruptcy may stop foreclosure, wage garnishments, and lawsuits. 
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- [Wage Garnishment Lawyer in Chattanooga](https://moneyproblems.com/bankruptcy-law/debt-relief-and-credit-protection/wage-garnishment-lawyer-in-chattanooga/): Wage garnishment can be a difficult situation that affects your ability to pay for everyday needs. It can put extra stress on your finances, making it harder to cover essentials like rent, groceries, and utilities. If you're dealing with this issue, our wage garnishment lawyer in Chattanooga can help protect your income. 
- [Creditor Harassment Lawyer in Chattanooga](https://moneyproblems.com/bankruptcy-law/debt-relief-and-credit-protection/creditor-harassment-lawyer-in-chattanooga/): Do debt collectors bother you too much? They may call you repeatedly, threaten you with arrest, or even lie about your debt. This is against the law. Tennessee legal rights against creditor harassment protect you from these unfair practices. Our creditor harassment lawyer in Chattanooga can help you put an end to these stressful situations.
- [Repossession Prevention Lawyer in Chattanooga](https://moneyproblems.com/bankruptcy-law/debt-relief-and-credit-protection/repossession-prevention-lawyer-in-chattanooga/): Losing your car or home to repossession can feel like a nightmare, but there are ways to protect what's yours. In Tennessee, creditors must follow specific legal steps before taking your property. If you're behind on payments, our repossession prevention lawyer in Chattanooga can help you explore options to protect your assets.
- [Creditor Lawsuits Defense Chattanooga Attorney](https://moneyproblems.com/bankruptcy-law/debt-relief-and-credit-protection/creditor-lawsuits-defense-chattanooga-attorney/): Debt can be a heavy burden. When creditors take legal action, it can be overwhelming. Getting sued by a creditor can feel like a financial crisis, but you have options to fight back. Our Chattanooga creditor lawsuits defense attorney can help you build a case to protect your finances and future.
- [Chapter 7 Lawyer in Chattanooga](https://moneyproblems.com/bankruptcy-law/bankruptcy-services/chapter-7-bankruptcy/): Debt can feel like a heavy weight that's impossible to lift. If bills keep piling up and you're unable to make payments, Chapter 7 bankruptcy might be the solution you need. Our Chapter 7 lawyer in Chattanooga can guide you through this process and help you find relief from overwhelming financial burdens.
- [Chapter 13 Lawyer in Chattanooga](https://moneyproblems.com/bankruptcy-law/bankruptcy-services/chapter-13-bankruptcy/): Many people don't realize that Chapter 13 bankruptcy can be a lifeline for those struggling with debt. By filing for Chapter 13, you can create a structured repayment plan tailored to your financial situation. This can provide you with much-needed relief and peace of mind. If you're dealing with overwhelming debt, our Chapter 13 lawyer in Chattanooga can help you understand your options and guide you through the process.
- [Options for Co-Signers: Chattanooga Bankruptcy Attorney](https://moneyproblems.com/bankruptcy-law/foreclosure-defense/options-for-co-signers/): When you co-sign a loan, you take on a big responsibility that ties your financial future to someone else’s decisions. If the primary borrower files for bankruptcy, you might worry about being held responsible for the debt. In Tennessee, the rules about what happens to co-signers during bankruptcy can be confusing. Our Chattanooga bankruptcy attorney can explain your options and help you determine the best way to protect yourself.
- [Stop Foreclosure with Chattanooga Bankruptcy Lawyers](https://moneyproblems.com/bankruptcy-law/foreclosure-defense/stop-foreclosure/): If you're facing the threat of losing your home, you may feel scared and unsure about what to do next. Many homeowners in Tennessee find themselves in this situation, but there is hope. You can stop foreclosure with our Chattanooga bankruptcy lawyer, who can guide you toward solutions that may help you keep your home.
- [Bankruptcy Attorney in Chattanooga](https://moneyproblems.com/bankruptcy-law/bankruptcy-services/): When bills pile up, and phone calls from creditors won't stop, finding a bankruptcy attorney in Chattanooga can be your first step toward peace of mind. The right legal help can make the difference between struggling alone and having a clear direction for your financial future.
- [Chattanooga Foreclosure Lawyer: Protect Your Home from Foreclosure](https://moneyproblems.com/bankruptcy-law/foreclosure-defense/): Financial problems, like job changes or unexpected bills, can lead to missed mortgage payments, putting your home at risk. When foreclosure becomes a possibility, having a Chattanooga foreclosure lawyer on your side can make a big difference in protecting your home.
- [Chattanooga Debt Relief Lawyer](https://moneyproblems.com/bankruptcy-law/debt-relief-and-credit-protection/): When financial troubles arise, many people look for ways to relieve their debts. If you're facing overwhelming bills and constant calls from creditors, our debt relief lawyer in Chattanooga can help you explore your options. Seeking legal advice can make a big difference in handling your financial challenges.
- [Chattanooga Debt Solutions Attorney](https://moneyproblems.com/bankruptcy-law/debt-solutions/): When debt piles up, it can be hard to find a way out. Unpaid bills, credit card debt, or medical expenses can stress daily life. Thankfully, there are ways to address these issues. Our debt solutions attorney in Chattanooga can help you explore options to manage or reduce what you owe.
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- [How A Chattanooga Foreclosure Attorney Can Protect Your Home From Seizure](https://moneyproblems.com/chattanooga-foreclosure-attorney-can-protect-your-home/): A Foreclosure defense attorney can help protect your home from seizures and may be able to get the bank to stop the foreclosure process. There are many benefits of hiring a local Chattanooga foreclosure attorney who specializes in this area of law. When you are going through the complex foreclosure process, it is important to have an experienced Chattanooga foreclosure attorney on your side.
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- [Frequently Asked Questions](https://moneyproblems.com/attorney-articles-2/frequent-questions/): What exactly is bankruptcy
- [Chapter 13 Bankruptcy](https://moneyproblems.com/bankruptcy-law/chapter-13-bankruptcy/): If you are constantly dealing with so much debt and expenses that you just can't keep up, but you do have a job or other source of regular income that you can use to make payments under a repayment plan, Chapter 13 bankruptcy may be the right option for you. Even in most Chapter 13 plans some debts may be able to be liquidated. Other debts are set up in a reasonable debt repayment plan providing you a manageable way to make your monthly obligations and repay your creditors. Here's an overview of the Chapter 13 process.
- [Legal Notices](https://moneyproblems.com/legal-notices/): This discussion is intended only as a brief overview of the types of bankruptcy. You should not decide whether or not to file for bankruptcy relief solely on this information. Bankruptcy law is complex, and there are many considerations that must be taken into account in making the determination whether or not to file. Anyone considering bankruptcy is encouraged to make a decision only after seeking the advice and assistance of an experienced bankruptcy attorney.
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- [Client Testimonials](https://moneyproblems.com/about-us/client-testimonials/): With more than 400 five-star reviews, our clients’ words highlight the difference we strive to make daily. We are honored to have earned the trust and gratitude of many individuals who faced financial challenges and found relief with our help. These testimonials capture real stories of hope, support, and success- offering insight into the level of care and commitment you can expect when working with us.
- [Attorney Eron Epstein](https://moneyproblems.com/about-us/attorney-eron-epstein/): With over 44 years of experience in consumer bankruptcy, Attorney Eron Epstein brings a wealth of knowledge and commitment to helping clients in Chattanooga and Northern Georgia navigate complex financial situations. As the owner of Bankruptcy Affiliates, Mr. Epstein is dedicated to ensuring that each client understands their options fully. His approach centers on empowering clients through free, no-obligation consultations, where they can decide if bankruptcy is the right path- without any pressure or commitment.
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