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Have I Waited too Late to File?


Have I Waited Too Late To File My Bankruptcy?

Because Clark & Washington is well known for bankruptcy representation in the Chattanooga metro area, we often get emergency calls from potential clients who need immediate action.  The days before a foreclosure always busy.  Similarly, we frequently hear from anxious people who are literally driving around to avoid the repo agent, or from employees who have only a few hours to stop a wage garnishment.

If you are facing one of these emergency situations, please relax - we can and will help you.  Because bankruptcy is our only area of practice, we have lawyers on duty late into the evening and on weekends, and we can schedule an emergency appointment for you immediately.

Remember, however, that before we can file a case for you, you will need to obtain your certificate of credit counseling.

Electronic Filing = Immediate Protection

As an authorized user of the Bankruptcy Court’s electronic filing system, our firm can file over a secure Internet connection with the Clerk of Court.  Once your case is filed, we will generate an official proof of filing that you can show to any aggressive creditor, repossession agent or even to a state court judge.

Further, once we file your case, one of our paralegals will telephone or fax any lawyer, creditor or collection agent who is threatening immediate action.  We have contact information for most of the collection agencies and collection lawyers in the country and we will act fast to serve you.

You can ignore the misinformation spread by many collection agents and repossession agents.  The minute we file your case, you are protected.  It does not matter that the creditor has not received any official notice - except in limited cases, once we have a case number, you are automatically protected.

Do note that if this is your second or third active bankruptcy case pending within the previous year or if your last case was dismissed “with prejudice” different rules apply.  Make sure to advise your Clark & Washington lawyer about any prior bankruptcy filings.