Filing for bankruptcy often means coming into a law office, listing everyone you owe and providing other financial information. Then, most people that earn less than $37,000 per year are eligible to file a Chapter 7 bankruptcy, where they will no longer owe any debt. Others file a Chapter 13 bankruptcy, where they file a payment plan to repay debts as their income allows.

There are some exceptions such as student loan and IRS debt, but most debts are what is called "dischargeable". There are some challenges with filing so many people want a very experienced attorney to guide them through the process.

William Neal Small is a former chairman of the Memphis Bar Association's Bankrutpcy Section and has been practicing for over 30 years. His experience will guide you through the process and keep you advised of your rights under the law.

With bankruptcy you may be able to:

• Completely eliminate debt and obtain a fresh start
• Stop home foreclosures and reposessions
• Keep your home, automobiles and possessions

We provide service in these areas of consumer bankruptcy law:

• Chapter 7 (Straight bankruptcy)
• Chapter 13 (Wage Earner)

Call now to find out more information at (901) 526-1717!