Tag: bills

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It’s summer! But your debts don’t take a summer break

We all look forward to summer. Sunshine, warm days, late nights, road trips. But what about those debts? They don’t take a break for summer. Many people try to avoid thinking about their debts over the summer, but those debts only get worse. It really is best to talk to someone about your debts when they first cause you problems, or even better, before they become a problem.

Everyone has a different tolerance level, so what drives you crazy may not drive someone else crazy. I talk to many clients who have waited until they’ve been sued and now they have a wage garnishment, and only then are they really concerned. We also have clients who know they haven’t paid a bill in 3 or 4 months and are trying to avoid that lawsuit or garnishment. Or maybe they are facing a foreclosure or car repo. Then we have people who know bad things are coming down the road and are trying to preplan to avoid all the bad things.

Rest assured that no matter in which category you find yourself, we can give you some options to help. Give us a call at 731-424-3315 no matter what stage you are in, so we can help, or visit our website www.tennesseefirm.com for more information.

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Time for Spring Cleaning Those Debts!

It’s spring! While most people thing of spring cleaning their homes, this is also a great time to spring clean your finances. Get rid of debt that is holding you back and bogging you down. You have dreams and goals, and that debt is holding you back from achieving those goals. We can use the federal bankruptcy laws to help you with that, clean out your debt load, and get you on track to making those dreams a reality. Don’t keep trying to tread water, let us help you thrive! Call us at 731-424-3315 so we can plan a way to make those dreams a reality.

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How can we serve you?

Often times our bankruptcy clients find that they need additional legal help while they are working on their bankruptcy case. Sometimes they need a will, or a power of attorney, or sometimes they are injured and need help recovering for that injury. At Teel & Maroney, PLC, we can help with all of those things, and more. Keeping all of your matters in one office helps reduce the strain on you, and you already know the team that will be helping you. You can relax knowing that our office can help you through many things, not just bankruptcy. Give us a call if we can help you with anything at 731-424-3315 or visit us at www.tennesseefirm.com.

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Series: What is a Bankruptcy Voluntary Petition Form 1?

While we may generally refer to the entire series of documents we file with the Court as your “Petition”, there is technically a form called the Voluntary Petition (Official Form 1).  For purposes of this series and to cut down on confusion, I’ll call it Form 1.

Form 1 is three pages, and is sort of like the data sheet for your case.  It lists things like your name and address, and what chapter of the Bankruptcy Code you are filing. It also lists an estimate of the number of creditors you have (creditors are the people you owe), an estimate of the value of your assets (assets are the stuff you have), and an estimate of your liabilities (the bills you owe).  There are also several check boxes that are filled in based on your situation to tell the court different things, as well as let the court know that you’ve completed your credit counseling and you’ve lived here long enough to file in this court. Additionally, if you’ve filed bankruptcy before, or if you have a spouse or cosigner in a bankruptcy, then their case information will also be listed on these pages.

Form 1 also contains places where you and your attorney sign saying that everything is correct under penalty of perjury.  You’ll see over the course of this series that there are lots of places you have to sign, and it’s all under penalty of perjury.  Wondering what happens if you don’t tell the truth? See my article here on that.

Here’s a look at what Form 1 looks like:

 

Form 1 Voluntary Petition

 

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How to get help with daily living expenses

If you or someone you know needs help with daily living expenses like utility bills, rent and providing food, I urge you to contact either RIFA (Regional Inter-Faith Association) or ARM (Area Relief Ministries). While RIFA is known for their soup kitchen and store, and ARM is known for Room in the Inn, both agencies do so much more. If you have a daily living need that is not being met and you need help, please call them at

RIFA: 133 Airways Blvd, 731-427-7963 www.rifajackson.org

ARM: 108 South Church, 731-423-9257 www.areareliefministries.org

You can call them and tell them your situation, and they can tell you how they might be able to help you. If they can’t help you for some reason, they may be able to direct you to a person or agency that can meet your specific need.

I’ll also soon be adding a page with lots of information on assistance of all kinds, so watch for that!  If you have found an agency or group to be helpful, let me know and I will be sure to include it on my page.  What helped you once just might be what someone else needs now.

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Tips to make it through temporary unemployment

Many people face it every day — temporary unemployment. Luckily, we have many factories and corporations who can tell their employees in advance that they will not be working on a certain week, or for a certain month, or something similar so people have time to plan. Many of our clients ask what they can do during this time to make things less stressful. Here are a few things you can try:
•First, see if you are eligible for partial unemployment for the time that you are laid off. You’ll want to start looking into this as soon as you know a layoff is coming so that it is effective as soon as possible.
•Second, enroll with one or more temporary agencies. It may sound off the wall, but sometimes employers need a temporary employee (often called “a temp”) for one or two days, or for a week, or other various times. You can tell the temp agency when you will be available and they will try to match you up with a company that needs a temp worker. Some people even enroll with multiple temp agencies because each agency works with different potential employers. Some of these temp positions might even work into a regular full time position if you are looking for a change!
•Third, it’s always wise to have an emergency fund ready for these types of situations. You’ve heard us talk over and over about emergency funds, and this is one of the many reasons why. Even if you can only save $10 per paycheck, do it! You’ll be really happy you did when you need it!

Do you have other ways you’ve made it through similar tough times? Let us know and we’ll add them to our list to share with everyone.

If you aren’t already in a bankruptcy case and you’ve tried all the options and it’s still not enough, maybe it’s time to consider what a bankruptcy case can do for you. If you’ve been sued or someone says they are going to take you to court, we probably need to do something quickly. Give me a call and we’ll work through it together!

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City of Jackson Job Fair

What is being billed as the City of Jackson Job Fair will be held on March 11, 2015 at the Carl Perkins Civic Center in Jackson. The job fair will run from 9:00 am to 3:30 pm. There will also be colleges at the fair if you are considering going to college.

You can read more in the Jackson Sun article here.

Good luck!

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RN Job Fair at Regional Hospital

Are you an RN? Regional Hospital is hosting an RN job fair this Thursday, February 12, 4pm – 8pm in the hospital’s cafeteria. You need to bring a resume, and remember to dress for success!

Here’s their website: http://www.regionalhospitaljackson.com/Regional-Hospital-Of-Jackson/home.aspx

Good luck!!

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Career Fair in Jackson, TN

Looking for a career fair to get you back on track? The Jackson Sun posted here that the Goodwill Career Solutions centers at 15 West University Parkway and 1320 S. Highland Ave., Jackson, will host job fairs for CareAll Home Care in Jackson, Bolivar, Henderson, Reagan, Savannah and Hickory Valley from 9 a.m.-1 p.m. on Tuesday, Feb. 10.
More information is available at www.events.goodwillcareersolutions.org

Good luck!!

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Legal Insurance Plans

Are you a member of a legal insurance plan and need legal assistance? Legal insurance plans often will pay a portion of your attorneys fees, or provide you a discount on attorneys fees. Rarely will a legal insurance plan cover court costs or other non-attorney fees. Most plans ask that you contact the plan provider to obtain an authorization number to provide to your attorney when you make your appointment. Some plans will allow you to make your appointment and then your attorney can confirm your plan status. The best thing to do is contact your insurance provider and obtain any necessary authorizations before making your appointment with an attorney. When you call our office to make your appointment, be sure to let the appointment secretary know which insurance plan you have and your authorization number, and she will set up your consultation to meet with your approved attorney, Alissa Gay.

Attorney Alissa Gay is currently an approved provider for the following plans:
– ARAG Legal Insurance
– U.S. Legal Services
– Legal Shield
– Pre-paid Legal Services

Do you have a different legal insurance plan? If so, contact Attorney Alissa Gay and Alissa will try to work with your legal insurance company to help you reach your goals and use the insurance you’ve paid for.