Memphis is a city of scorching hot summers and decently cold winters with weird instances of weather in between. This winter however, it definitely seemed to get a little (maybe a lot) more cold than usual.

It got so cold in Memphis that on some particular days, MLGW officials didn’t even come around to read the meters, but instead estimated the amount of utilities used and made up the difference on the next bill.

You may have tried your best to stay warm without turning your heat up in your home – utilizing space heaters, snuggling with mounds of blankets and eating deliciously warm tomato soup (or any other flavor of your preference). However, if you’re like me, there came a time when you just had to turn your heat up.

Doing this for one period of time is acceptable. However, there were three or four different waves of extremely cold weather that hit and for those of you who were fortunate enough to not lose power, you probably turned up the heat.

As you turned the heat up, your utility bill probably took an up-swing as well.

Some people may be able to afford the extra cost of utilities for a month or two. But for others, the extra costs were just too much to bear and you weren’t able to pay your bill.

The inability to pay bills, if not confronted, can cause a downward spiral that gradually takes control of your life. Luckily, here in America, your debs can be forgiven and you can have a fresh financial start.

How? By filing for bankruptcy. If you are in a copious amount of debt, credit collectors are harassing you, or you are being threatened with a lawsuit, you should call a top liquidation lawyer Memphis, TN has to offer for further advice.

At Darrell Castle & Associates, we’ve practiced bankruptcy law for decades. I’ve unfortunately seen countless individuals and families sit across from my desk upset and stressing over their debt and inability to pay their bills. I’ve fortunately been able to help them get back on their feet through a bankruptcy, which allowed them to either discharge their debt or lump it all into an affordable 3-5 year repayment plan.

If you’re struggling with debt you just can’t pay back, I’d love to help you as well. I can help you not only file for bankruptcy, but build from it.

We have access to a great 14-week program called “7 Steps to a 720” that will teach you how to re-establish and rebuild your credit the right way.

With the right attitude and lifestyle changes, you can come out of a bankruptcy stronger financially than you went in, but you must be patient and take the right steps.

If you’re considering filing for bankruptcy or if you have any questions, please contact us today, online or by calling us at (901) 327-2100. One of our experienced Memphis bankruptcy attorneys will be happy to speak with you about your situation, free of charge.