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Tennessee bankruptcy: Creditors may file claims against you

When creditors fail to get paid, they may choose to take the matter to court in order to seek payment. If they are successful, a judge may order wage garnishment or a levy, which gives your creditor the right to take your money and/or your property. In Tennessee, you may be able to stop your creditor by filing for bankruptcy and/or property exemption.

What are wage garnishments and how much can my creditor take? If a judge grants a creditor a wage garnishment order, it means that the creditor will have the right to collect a portion of your paycheck before it hits your bank account. How much they get depends on how much you make, how much you owe and the number of minor children you have living in your home. In other words, it is different for everyone.

3 kids, 2 adults suffer personal injury in bus crash

Like most school mornings, a good number of parents in Memphis load their children on school buses and ship them off to school for the day. No one expects their kids to end up in the hospital instead of making it to class. Unfortunately, several parents recently received phone calls that their children were involved in a bus accident and had to be transported to a local hospital for care. It is said that three kids and two adults suffered personal injury in this particular accident.

According to news reports, at approximately 7 a.m. on Thursday, Aug. 23, police received reports of a bus accident on Perkins Road. The details of the incident have not been released, but according to a video accompanying the news report the bus had to be towed from the scene, and it took emergency and clean up crews several hours to completely clear the scene. It is unclear how many vehicles were involved in this incident.  

Bankruptcy is not the end of the world

No one wants to seek help with finances unless it is really needed. Nobody wants to make one's economic situation worse than it already is. Some people in Tennessee and elsewhere seem to think that bankruptcy is the worst thing they can do for themselves when they are already struggling financially, but the truth is it can help. Utilizing this form of debt relief has been a positive experience for many consumers struggling with their finances.

Rebuilding one's credit after bankruptcy is possible; it just takes time and hard work. Bankruptcy, depending on the type one filed, can remain on one's credit report for up to 10 years. This will bring down one's credit rating and make it difficult to obtain credit, at least for a while. The truth is, the initial impact of a bankruptcy filing on one's credit rating may sting for the first little while, but the impact does fade over time -- well before the bankruptcy filing is removed from the credit report.

Tennessee mom's knowledge likely saved son's life in accident

Recently, a Tennessee mom may have saved the life of her infant son when he was the passenger in a car involved in a head-on collision. However, the mom was not the one driving. In fact, she was miles away from the accident. This amazing feat of protecting her son while far away from him occurred because of her diligence of his safety while riding in a car seat. 

Compensation for injuries suffered in motor vehicle accidents

Car accidents occur all too often on Tennessee roadways. When they do, victims and/or their family members are left hurting in a number of ways. If negligence contributes to motor vehicle accidents, victims may be entitled to seek compensation for their losses.

What damages are recoverable? Every case is different. Generally speaking, victims or their loved ones may pursue relief for:

  • Medical expenses
  • Lost income
  • Lost benefits
  • Pain
  • Emotional suffering
  • Loss of companionship

What is Chapter 13 bankruptcy and who may qualify for it?

Tennessee residents who find themselves is a bad economic way may wonder what debt relief options are open to them. Truthfully, there are several ways to attack financial struggles. For some individuals, bankruptcy may be the best fit. There are two types of personal bankruptcy: Chapter 7 and Chapter 13. This week's column will address the basics of Chapter 13 bankruptcy.

Chapter 13 bankruptcy is reserved for individuals or couples who have what the court deems sufficient enough income to pay back creditors; they just need a little help doing it. This is why it is referred to as the wage earner's debt relief plan. Those individuals who apply for and receive court approval of a Chapter 13 filing will have three to five years to pay back their debts. After the plan period is over, qualifying debts may be discharged.

Tennessee motor vehicle accidents: Teen killed in wreck

The family and friends of a teenage girl are mourning her loss after she died in a recent wreck. According to a video accompanying the news report, the incident occurred Sunday, Aug. 1, in the Memphis area. The driver responsible for the accident is said to have been driving while impaired. Sadly, motor vehicle accidents involving drunk or otherwise impaired drivers happen all too often in Tennessee.

The teenager was in an SUV that was pulled to the side of the road at Interstate 55 and I-240. Her vehicle was struck by a passing motorist. The teen, two other children and an adult were all transported to area hospitals for treatment. The 13-year-old female died at LeBonheur Children's Hospital. The conditions of the other victims are unknown.

Tennessee bankruptcy: Common complaints about creditors

Tennessee residents who are struggling financially have likely dealt with their fair share of issues with creditors. At the end of the day, creditors do not care about the consumer; rather, they care about getting paid. For some individuals, bankruptcy can help resolve their money and creditor problems.

A recently released report from the Consumer Federation of America listed the top 10 complaints consumers had about their creditors. This list covers a variety of topics. Those that will be discussed here have to do with credit/lending companies, health services, internet sales and general services.

Sharing the road with motorcycles

Driving near a motorcycle is not like driving with other cars. Motorcycles are often smaller and harder to see. They also do not have the protections larger automobiles have. Drivers sharing the road with motorcycles need to be extra careful to ensure everyone’s safety.

Drivers must be aware that you can encounter motorcycles on all types of roadway. It is important to know how you can help keep the roads safe when sharing them with motorcycles.

Memphis motor vehicle accidents: TU student loses leg in crash

A Tuskegee University student has had his whole world turned upside down thanks to an accident that claimed his leg. This incident occurred mid-July in Memphis. Motor vehicle accidents like this leave their victims struggling in more ways than one. This young man may be entitled to seek compensation for his losses through legal means.

According to a recent news report, the 20-year-old male was traveling on Frayser-Raleigh Boulevard when he stopped to help a friend whose car had become disabled in the right lane of traffic. While out of his vehicle, a pickup truck slammed into the two cars. The victim was standing between the cars at the time and the force of impact severed his leg. An unidentified woman stopped and put a tourniquet on his leg to stop the bleeding which likely saved his life. He was then transported to a local hospital where he has been in intensive care for the last week.

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