Winter in Memphis is mild in comparison to other parts of our country, specifically those ridden with polar vortexes. But every year brings its share of cold nights, with temperatures too low for layering.

For many of us, turning that heater on is a last resort. We use it only after trying to stay warm with a blend of space heaters, blankets galore, and hot tea. But sometimes you reach a point when you just have to turn your heat on. And with that comes more expensive utility bills.

When you’re struggling to make ends meet, the extra cost of utilities can be enough to put you over the edge. I’ve seen many folks who just can’t manage the extra costs and are unable to pay their bills.

The inability to pay bills of any kind can cause a big financial setback. Sometimes it’s a matter of literally struggling to keep the lights on. With heating costs specifically, if you owe back payments on utility services, you are in danger of a shutoff.

Did you know there’s a way to have those debts forgiven and get a fresh start?

In America, we have a very simple way to have your debts forgiven and get a fresh financial start. It’s called bankruptcy. A bankruptcy law firm Memphis, TN trusts, like the team at Darrell Castle & Associates, can help manage the best timing for your case.

Many people in debt tend to put off dealing with the problem for as long as possible. But I’ve seen repeatedly — throughout my 30 years of working as a Memphis bankruptcy lawyer — that the problem will not go away on its own. Please don’t let your inability to pay bills cause a deeper downward spiral. You can stop the problem before it gets worse.

You’ve got some options. A Chapter 7 bankruptcy will allow you to get rid of dischargeable debt, like credit card and medical debt. A Chapter 13 will consolidate mortgages and car payments into an affordable amount. Our lawyers are known for our compassion and results, and we are happy to walk you through it all, even if you’re unsure about bankruptcy.

Don’t live with the fear of collection agents — or the fear of having your power shut off. Call (901) 327-2100 or contact us online to talk to a Memphis bankruptcy attorney today.