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DEBT CONSOLIDATION OR BANKRUPTCY? It pays to know the facts before you make a decision.

There are many pros and cons to filing for debt consolidation and bankruptcy. Making the right choice will depend on your financial goals. It is always best to consult with an experienced attorney who can help you weigh all the options so you can make an informed decision that will get you back to living your life.
WHAT ABOUT MY CREDIT SCORE?
Debt consolidation doesn’t have the same effect on your credit score as filing for bankruptcy; however, while bankruptcy initially impacts your credit score and remains on file for years, it gives you a chance to start over and actually rebuild your credit score. We offer a step by step, FREE credit rebuilding program for anyone! Just go to: 720jackson.com to enroll now.
Another advantage of bankruptcy is that the psychological burden that comes with worrying about how to make ends meet is now lifted along with your financial hardship. You now have a fresh, financial start and can begin making financial goals & plans rather than fret over how to pay the next bill.
WHY DO MOST PEOPLE CHOOSE BANKRUPTCY OVER DEBT CONSOLIDATION?
Most people choose bankruptcy because it offers protection against creditors. From the moment you file, you are protected by something called “the automatic stay,” which puts a temporary freeze on all collection actions against you and remains in effect throughout your case unless your creditors succeed in lifting the stay.
FILING TAXES
Debt consolidation can be harmful when it comes time to file your taxes. The IRS may determine that the money you saved by opting to consolidate is considered to be income. This means you will be required to pay tax on that income.
It pays to know the facts before you make a decision. We are here to assist and offer a FREE consultation. If you’re struggling to manage your debt, come in for a visit and we will listen to your story and answer any questions you may have. Call us today at 731.424.3315. #Stopforeclosure #Bankruptcy #DebtConsolidation #Chapter7 #Chapter13 www.tennesseefirm.com
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Looking for an Attorney to Guide You to Success?

Teel & Maroney is a Jackson, TN law firm that specializes in Chapter 7 bankruptcies and Chapter 13 bankruptcies, and has helped thousands of west Tennesseans in the following areas: Social Security Disability, Serious Personal Injury and Wrongful Death, Wills, Trusts, Probate, Estate Planning, Veterans’ Affairs, and Business and Corporate Law.

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