Many people mistakenly believe that you cannot eliminate judgments by filing bankruptcy. Judgments can be part of a bankruptcy just like the underlying debt, but the bigger concern is about liens created by judgments. This can make selling or refinancing you home difficult or impossible and result in the loss of your property.
Judgment liens can also stand in the way of financing the purchase of a new home after bankruptcy, so they should be dealt with during the bankruptcy process.
This is why it is important to take advantage of the lien avoidance laws to eliminate these liens when you file a bankruptcy case.
If you owe money for unpaid debts such as a home repair, medical bills, credit card bills, etc., in Tennessee, the creditor can seek a judgment and file the judgment in the Register’s Office to create a lien against your house and other property. Creditors can also seek to force the sale of this property to pay their judgment, and can paralyze your personal finances or business.
Help is available for those who find themselves in this situation. The Law Offices of Philip F. Counce help people in this situation get relief from the debt and avoid the lien. The law can allow you to avoid a judgment lien that impairs an exemption or prevent it from being created if you act quickly.
Don’t take on your creditors alone!
Call or email the Counce Law Firm at 901-201-6012.
Free confidential consultation with a lawyer, not a paralegal.
We take the time to understand your needs and answer all of your questions. While we want to solve your problem quickly, it’s important that you are comfortable with the process, and understand how it will impact you. These thoughtful conversations enable us to ensure the best possible outcomes.
3333 Poplar Ave. – just West of Poplar & Highland – Free Parking
Preventing A Lien Or Garnishment In Tennessee
Our firm can evaluate your situation and present you with options that work for you. Through a Chapter 7 or Chapter 13 bankruptcy filing, we can prevent a lien from occurring by filing your case before the judgment is rendered or recorded in the Register’s Office. This action can eliminate or reduce your debts, protect property, and stop foreclosure, repossession or garnishment immediately.
The sooner you speak with us, the sooner you could be on the path toward renewed financial health.
Removing a Lien – Lien Avoidance
Our firm can also remove existing judgment liens that impair an exemption and clear the title to your home. Philip Counce devotes his practice exclusively to bankruptcy and related matters. With over 30 years of experience in the field, he understands how to use the law to help his clients. The Law Offices of Philip F. Counce will work to find the right bankruptcy solution for you, so you can get your financial life back on track.
Contact Us Today
Need help with issues related to a judgement. Worried about garnishments? Call now to learn about what options are available to you in your particular financial situation. Contact our law firm today online or call 901-201-6012 to schedule a FREE CONFIDENTIAL CONSULTATION.
Unlike many firms, with us you will always discuss your financial situation with an attorney, not a paralegal or assistant.
We are a Title 11 Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. This ad does not create an attorney-client relationship until a written agreement is signed.