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Cleveland Bankruptcy Law Attorney

You Have Friends in Cleveland, Tennessee

At the Law Office of April Perry Randle, PLLC, we are concerned about our clients' lives and circumstances. We know that debts can crush hopes, strain relationships and ruin lives. Our mission is to provide our clients with the financial tools to create better futures for themselves and their families.

I am April Perry Randle, a personal bankruptcy attorney in Cleveland, Tennessee. For a free discussion about how I can provide the solutions you need, call my law firm at 423-464-6908 or 423-464-6908 toll free.

Answers to Your Bankruptcy Questions | Chattanooga Debt Relief Lawyer

My goal is to help my clients in every way possible. Meet with me, and I will give you clear and honest answers to your debt relief questions, including:

  • What is Chapter 7 bankruptcy? Chapter 7 is often referred to as "straight bankruptcy." The goal is to eliminate as much debt as possible. Unlike a Chapter 13, Chapter 7 it is not a repayment plan; you wipe out credit cards, medical bills and most other debt and simply continue making payments for the items you desire to keep such as your home or your car. Chapter 7 can provide tremendous relief by allowing the discharge of debts following a divorce, job loss or medical emergency.
  • What is Chapter 13 bankruptcy? This type of personal bankruptcy involves a repayment of your debts over a three- to five-year period of time. It allows you to catch up on missed house payments so you can avoid foreclosure, and this structured payment plan can help you restructure car and other loan payments while paying zero percent interest on your credit cards and medical bills. This option allows you to pay your debts on your terms while preserving treasured assets. You can also include certain debts that would not otherwise be eliminated in a Chapter 7 bankruptcy such as tax debts, property settlements from a divorce, student loans and back due child support.
  • Can creditors garnish my wages? Creditors can garnish your wages if you do not file bankruptcy. This is true even if you offer them a payment plan. From the moment you file a bankruptcy, it halts wage garnishments and allows you to repay the debt under terms you can manage. In most cases, a Chapter 7 bankruptcy will stop a garnishment for good.
  • Can I stop creditors from calling me? Constant phone calls from creditors can be very stressful; however, the moment you file either a Chapter 7 or Chapter 13 bankruptcy, creditor calls must stop immediately. As soon as you have a case number, you provide the number to your creditors when they call and give them our office contact information; we handle the rest.
  • Can I get rid of my credit card debt? Yes! Bankruptcy can erase your unsecured debts. In a Chapter 7, almost all credit card debt is eliminated. In a Chapter 13 repayment, credit card companies receive no interest and may receive only a small percentage of the claimed balance.
  • What can I do about foreclosure? A great deal, actually. I can share with you strategies that can enable you to continue to pay your mortgage while relieving your debt burden.
  • How can I rid myself of divorce-related debts? Even if a divorce court orders your ex-spouse to pay certain debts, your creditors may still harass you and try to collect the debt from you. You can discuss options with our office about eliminating debt incurred during your prior marriage. Bankruptcy can even assist you if you are required to pay for certain debts stemming from your marriage. We can discuss a legal option that can let you eliminate your marital debts forever.

Extra Credit ... Expand Your Understanding of Personal Bankruptcy

To learn even more about your financial options, read my pages on these important topics:

Free Consultation | Cleveland Bankruptcy Law Attorney | Call Today

I always offer a free initial consultation to my new consumer bankruptcy clients. Let's discuss your brighter future. Contact me online or by calling 423-464-6908.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.