If you’re struggling to pay your utility bills, you’re not alone. Millions of Americans fell behind on utility bills during the pandemic. In fact, one out of every three people in Southern states are currently living in a state of energy insecurity, struggling to maintain vital utility services like heating and cooling. As a utility debt lawyer TN trusts, I know unpaid utility bills can cause a state of constant stress, especially with winter just around the corner.
Thankfully there’s a way out of crushing utility debt with the power of bankruptcy.
Get out from under utility debt with bankruptcy
There are a lot of myths and misconceptions about bankruptcy. The truth is, if you are struggling with debt and overwhelmed by utility bills, bankruptcy is your best solution.
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, each with its own unique qualifications and benefits. An experienced lawyer can help determine which one is right for you and your specific situation.
Utility bills in Chapter 7 bankruptcy
A Chapter 7 bankruptcy will allow you to get rid of dischargeable debt, like unpaid utility bills, as well as credit card and medical debt. At the end of your Chapter 7 case, your outstanding debt will be wiped out.
Utility bills in Chapter 13 bankruptcy
A Chapter 13 consolidates unsecured debt into an affordable repayment plan which usually takes about three to five years to pay off. In most Chapter 13 bankruptcies, debtors will only have to pay a portion of their unsecured debt through their plan.
Talk to a utility debt lawyer TN trusts today for FREE
In over 30 years as a utility debt lawyer TN trusts, I’ve helped thousands of people get out of debt permanently. I can help you, too. Call (901) 327-2100 or contact us online for an absolutely FREE consultation. Our team of compassionate lawyers are here to answer any questions you may have. We will come up with a plan to get you closer to financial freedom.
Don’t wait until the temperature drops and your utility debt gets worse. Give us a call today.