Memphis Bankruptcy LawyersOur Memphis Bankruptcy Lawyers Offer Help in Hard Times

If you struggle with debt you can’t pay, filing for bankruptcy can change your life. But it’s so important you work with the right Memphis bankruptcy lawyer.

As one of the very first bankruptcy firms in Memphis to concentrate in personal bankruptcy, we’ve built our excellent reputation over decades of work. We’ve helped thousands of people get out of bankruptcy, and we can help you, too.

Why It’s Important to Choose the Right Bankruptcy Lawyer

Bankruptcy can do so much for you, as long as you have the right Memphis bankruptcy lawyers by your side.

The right attorney will help you get out of debt, save money, and protect the things you want to keep. But to do that, you need someone known for their experience and excellent communication.

That’s what we offer at Darrell Castle and Associates.

We’ve heard from clients who, before finding us, had trouble reaching their lawyers or getting a return phone call. This can have huge consequences, including you losing more of your wages or even your house or car.

It’s absolutely critical that your attorney answers your call, listens, and acts quickly.

Darrell Castle downtown Memphis attorneyOur Memphis bankruptcy attorneys make you and your case our number one priority. We work overtime when necessary to save your house and your car. And our clients’ referrals mean the world to us, because it means we’ve done our job right.

We want you to feel empowered and supported every step of the way.

That’s why you can get free reports and Memphis bankruptcy lawyer Darrell Castle’s comprehensive book about bankruptcy, at no charge. And we even help our clients with life after bankruptcy.

That’s why we have a 5-star rating on Avvo, an A+ rating from the Better Business Bureau, and the Client Distinction Award from Martindale-Hubbell for client satisfaction.

How We Can Help You Avoid the Most Common Bankruptcy Mistakes

When filing for bankruptcy, you can and should avoid the most common big mistakes. These mistakes can have long-lasting consequences on your financial situation.

One of the biggest mistakes is trying to file bankruptcy on your own. DIY bankruptcies can cost you everything. Without proper guidance, you may overlook critical details or make uninformed decisions that could jeopardize the success of your case.

An experienced attorney not only protects the things that matter most to you; we also help you avoid the other most common mistakes.

Another big mistake is waiting too long to file. You shouldn’t jump into bankruptcy without thought, but too long of a delay can be detrimental. In fact, you risk allowing your financial situation to get worse. You could accrue more debt, face lawsuits, or lose valuable assets.

Don’t forget, our Memphis bankruptcy lawyers offer a free consultation – and we don’t push bankruptcy on people who don’t need it. So if you don’t know yet whether bankruptcy might be the right solution for you, we’re here to help at no charge.

If you do end up filing for bankruptcy, make sure to be fully transparent about your financial situation. Failing to disclose all assets, debts, income, and expenses can lead to serious legal consequences. You always want to be totally honest with your attorney and the courts.

Remember, bankruptcy is a complex legal process. Our team at Darrell Castle and Associates focuses on you and what you want to accomplish, so you feel great about your decision after the fact.

Contact a Memphis Bankruptcy Lawyer Today

Our Memphis bankruptcy attorneys provide a free consultation. No high pressure, no strings attached.

This consultation is where you can ask all your questions and tell us your situation. We’ll help you figure out whether bankruptcy is the right solution for you. And if so, we talk about which bankruptcy chapter will help you the most.

So come see what we’re all about.

Contact us online, use the form on this page, or call (901) 327-2100 to get started today!

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FAQs About Filing For Bankruptcy

Which Bankruptcy Chapter Do I Need?

Determining whether you need Chapter 7 or Chapter 13 bankruptcy depends on your specific financial situation. To help you decide, we take a look at a few different factors: the types of debt you have, whether/how you qualify, and what you want to get out of the process.

chapter 13 bankruptcy attorneyChapter 7 provides a fresh start by eliminating most unsecured debts. It’s a great solution for unsecured debts like credit card debt and medical bills. It can stop wage garnishment and creditor harassment. And when you’re done, you can move on with your life.

On the other hand, Chapter 13 bankruptcy allows you to make regular monthly payments towards your debts. The courts help you create a repayment plan, so you can catch up on missed payments while keeping your assets, like your home or car. It’s extremely powerful for people who want to stop foreclosure and repossession. And like Chapter 7, it stops wage garnishment, creditor harassment, and other debt-related penalties.

To determine which bankruptcy chapter you need, just come in for your free consultation.

Our Memphis bankruptcy firm will look at your financial situation and figure out your debts, income, and assets. We provide personalized guidance to help you make the right choice.

You’ll leave knowing which option best suits your financial needs and goals.

How Can A Bankruptcy Lawyer Help Me During Financial Distress?

When facing financial difficulties, a qualified Memphis, TN bankruptcy lawyer can provide invaluable guidance.

Our team strives to be your support and guide through the process. We’ll start by assessing your situation, explaining the different types of bankruptcy, and helping you determine the best course of action.

We also help make sure you follow the legal process correctly, avoid common pitfalls, and have everything you need to get a fresh financial start.

Sometimes bankruptcy lawyers will charge extra for phone calls, questions, or problem-solving. In our experience, this causes untold stress right when a client is most vulnerable.

We never want our clients to feel that way, and so we never charge extra for additional services. We see your case all the way through, no strings attached.

What Are The Eligibility Criteria For Filing For Bankruptcy?

Eligibility for bankruptcy depends on a few factors, including:

  • your income
  • the type of debt you owe
  • which chapter you want to file (Chapter 7 or Chapter 13)
  • previous bankruptcy filings, and
  • any assets you want to keep.

At your free initial consultation, our attorneys look at all of this information. We help advise you on the most suitable option for your specific circumstances.

Will Filing For Bankruptcy Completely Erase My Debts?

While bankruptcy can provide enormous relief by helping you get out of many common types of debts, it doesn’t necessarily include all financial obligations. Certain debts, like child support, alimony, and student loans, are typically not dischargeable.

Our Memphis bankruptcy lawyers can help you understand which debts you can include. We can also guide you through the process of managing the others. Bankruptcy has the power to clear up your other debts so the remaining obligations aren’t as enormous a burden as they might feel right now.

How Long Does The Bankruptcy Process Take?

Bankruptcy proceedings can vary in length based on the type of bankruptcy you file and the complexity of your case. Typically, a Chapter 7 bankruptcy takes around 3-6 months, while a Chapter 13 bankruptcy may last 3-5 years (the length of your payment plan).

In addition, rebuilding after a bankruptcy takes some time as well. Fortunately, you can usually rebuild your credit, grow your savings, and establish yourself again in less time than you might expect. To understand this process, check out our popular free report Life After Bankruptcy.

Can I Keep Any Of My Assets If I File For Bankruptcy?

Yes, you absolutely may be able to retain certain assets when filing for bankruptcy. It all depends on your personal situation and the type of bankruptcy you choose to file.

Our team can help you understand the exemptions available for you and work with you to protect your property, as needed. When you come in for your free consultation, we’ll discuss your goals and give you an idea of your options.

More Questions? Contact Us

If you have more questions or need further assistance, don’t hesitate to reach out to our team of dedicated bankruptcy lawyers.

We’re here to help you navigate the complexities of bankruptcy and guide you toward a more stable financial future.

For over 30 years, our team has helped thousands of people get out of debt and rebuild their lives. We can help you, too. Just give us a call at 901-327-2100 or contact us online today.



Some of Our Most Popular Bankruptcy Free Reports

What Does the Bible Say About Debt?

I get this question almost every day. As a Memphis bankruptcy lawyer as well as a Christian, I’ve talked with hundreds of clients who are concerned about the Biblical view of debt.

Click here to download this free report


Life After Bankruptcy

Can you get a house after bankruptcy? Will it affect your employment? And how can you rebuild your credit? We answer all this and more in Life After Bankruptcy.

Click here to download this free report


Creditors Can’t Do That

There are certain things that creditors can and can’t do, and they know it. But people don’t always do what they’re supposed to. This e-book shows you how to deal with creditor harassment.

Click here to download this free report



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