As a Tennessee bankruptcy lawyer, I believe struggling with utilities is proof of a larger financial issue. I’ve met so many folks who are afraid to turn on their air-conditioners, even in a heat wave, because of money. Though it seems we are past the worst of the coronavirus pandemic, we are still feeling the economic effects. Many families are struggling to pay for basic necessities like food and shelter, let alone electricity.

Unfortunately, as we enter warmer months, utility bills are going to go up. Summer electric bills are almost always higher than spring or fall bills due to increased use of power for air conditioning and the like. Plus, the unemployment rate is still high, and a greater percentage of the U.S. workforce is now working remotely. This means greater water, electricity, and gas consumption during daytime hours. Combined, these factors create a financial situation that’s unsustainable for many Americans.

Fortunately, there’s a way out with bankruptcy.

If you’re struggling to pay utilities, bankruptcy can help.

Bankruptcy was created to give people struggling with debt, including utility bills, a fresh financial start.

If you are unable to keep up with utility payments or are facing a utility shut-off, filing for bankruptcy could keep your services connected. Under federal law, if you file for bankruptcy, the utility company cannot refuse, disconnect, or change your service. In addition, utility companies are not allowed to shut off or refuse to provide you service if you were late on your payments at the time you filed bankruptcy.

There are different types of bankruptcy, and both can help with utility bills.

Each type of bankruptcy has its own benefits, and both can help with utility bills. Your specific needs and situation should determine which one is right for you.

A Chapter 7 bankruptcy helps you completely wipe out all dischargeable debt, like utilities, credit card and medical debt.

The other type of bankruptcy is a Chapter 13. This type consolidates mortgage and car payments into an affordable monthly payment plan spread out over 3-5 years. In most cases, your utility debt will be lumped into those monthly payments. However, in a Chapter 13, you will have to keep up with current utility bills.

Talk to a Tennessee bankruptcy lawyer today for FREE.

I have more than 30 years’ experience as a Tennessee bankruptcy lawyer, and I’ve helped thousands of people get out of debt permanently. In my experience, if you are truly overwhelmed by utility bills, bankruptcy is the only lasting solution.

If you’re struggling with debt, don’t let the summer spike in your utility bills cause a downward spiral. Contact us online or at (901) 327-2100 and stop the problem before it gets worse. The consultation is absolutely FREE. Our experienced lawyers will talk through your specific situation and answer any questions you have.

Take action now to save yourself undue stress and uncertainty down the line. We’re here to help you get your finances back on track so you and your family can enjoy a brighter financial future.