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Tennessee residents who have health insurance may be familiar with the concept of “in-network providers.” If a doctor, hospital, or medical office is in-network, then that provider has a contractual relationship with the patient’s insurance carrier. Insurance companies often prefer their customers to see in-network providers…
If a person falls behind on their payments for a financial obligation, such as credit card debt, they may receive notices from the lender who has backed the delinquent obligation. Hamilton residents may receive letters, phone calls, and emails about the status of their debts, as…
It is a common misconception that achieving a bankruptcy discharge will wipe out all of a Tennessee resident’s outstanding debts. In fact, a number of debts will survive the bankruptcy process and will remain liabilities for the individual to repay even after they have successfully completed…
Last week’s post on the challenges young people face to pay off their medical debt is a good reminder to readers of this Tennessee bankruptcy and debt relief blog that financial hardship is a problem that anyone can experience. It is a mistake to believe that…
Most Tennessee residents might agree that there are basically three kinds of people regarding finances: those who love to talk about all things financial, those who cringe at the mention of the word and those who would rather think about other things but recognize the necessity…
Different generations have been assigned different names to differentiate them from one another. For example, Tennessee residents who were born in the two decades following World War II may be considered Baby Boomers, while individuals born during the Civil Rights Era through the mid-1980’s fall into…
Bankruptcy exemptions are intended to allow debtors to keep some of their property when they elect to file for bankruptcy. Exemptions can be particularly important to debtors who choose to pursue Chapter 7 bankruptcy, which is often referred to as “liquidation bankruptcy”. In Chapter 7 bankruptcy,…
Before the advent of Facebook, Twitter and even smartphones, Americans had to pick up their landline telephones to check in with friends and family members. Now, though, it is more likely that a Tennessee resident would simply check into their preferred social medial site to find…
Deciding to file for bankruptcy and to utilize the protections of the bankruptcy courts should not be done capriciously. A debtor must fulfill significant commitments in order to complete the process and to avoid further financial and legal issues that may result if they elect not…
“Straight bankruptcy” is just another name for Chapter 7 bankruptcy and the process that goes along with it. Readers of this Tennessee debt relief and bankruptcy blog may know Chapter 7 bankruptcy to be the process of liquidating one’s personal assets in order to pay off…
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