TSD Memphis


Bankruptcy: Chapter 13; Wage earner advantages

Few people are immune to the financial pitfalls that have resulted from the recession. If you have a regular income, Chapter 13, which is frequently referred to as a wage earner, can be an effective way to help you save your home, car or business. Used by individuals as well as certain small businesses, a Chapter 13 can provide much-needed relief in difficult times.

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Free your mind of the ‘struggle bubble’

Dear Lucy: I read your article last week where you told the lady to change her thinking in order to help herself get well. How are you supposed to do that when the facts are staring you in the face? The rent has to get paid, food has to get on the table and the car breaks down, the light bill is due, I'm sick and I still have to go to work. These are facts! I just don't know how they can be ignored.

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Spread good cheer with the homeless this Thanksgiving

Thanksgiving Day is upon us. But not all people will be in a celebratory mood. If you're homeless, this time of year conjures up pain and despair. You're living on the brink with little assurance, if any at all, that life will begin anew unless there is government or public assistance.

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End-of-year tax tips

The end of the year is fast approaching, so now may be a good time to start thinking about steps that could help reduce your 2012 income tax liability. Of course, before you take any specific action, be sure to consult with your tax professional.

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Bankruptcy & Chapter 7: ‘Fresh start’

A Chapter 7 bankruptcy typically is filed by individuals, couples or businesses. Frequently referred to as the "fresh start" or liquidation bankruptcy, Chapter 7 usually allows the debtor to receive a discharge from unsecured debts. A discharge means that the debtor is no longer responsible for paying these debts and creditors can no longer collect on these debts.

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