The Podis Papers

Can I keep my tax refund in Chapter 7 Bankruptcy or Chapter 13 Bankruptcy?

By Cynthia Podis Nashville Bankruptcy Lawyer You can keep up to $10,000 in assets for an individual and $20,000 for a couple.   This includes a tax refund.   Please remember, this includes all of your personal property like furniture, jewelry, computers, cars and money in the bank.  The exemptions or protection of assets in bankruptcy only …

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What to Expect When Filing Chapter 13 Bankruptcy in Nashville

  What to Expect When Filing Chapter 13 Bankruptcy By Cynthia Podis Nashville Bankruptcy Attorney   Most of our clients file Chapter 13 bankruptcy when they are in debt and cannot pay their monthly expenses because they have too many credit card payment, medical bills, or payday loans.  Most of the time this happens when …

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What to Expect at Your Initial Consultation

At our office, your initial consultation is free! Together, we look at your circumstances and discuss the options that will help put you on the road to recovery. When you arrive at our office, we ask that you bring with you: 1) A photo id, 2) A social security card, and 3) A list of …

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Can I file Bankruptcy?

By Cynthia Podis Bankruptcy Lawyer The answer is probably!  There are several types of Bankruptcy.  At Podis and Podis we deal with Chapter 7 and Chapter 13 Bankruptcy for individuals and married couples.  Which bankruptcy to choose?  Well, that is as individual as you and what you are looking to accomplish. Chapter 7 is for …

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If you Filed Bankruptcy Before, Can you File Bankruptcy Again?

By Cynthia Podis, Bankruptcy Lawyer The answer is probably!  There are several types of Bankruptcy.  At Podis and Podis, our bankruptcy lawyers deal with Chapter 7 Bankruptcy and Chapter 13 Bankruptcy for individuals and married couples.  Which bankruptcy to choose?  Well, that is an individual decision and depends on what debts you are trying to wipe …

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Can I borrow my way out of debt? Should I file bankruptcy?

By Cynthia Podis Nashville Bankruptcy Lawyer Do you find your self out of money at the end of every month and still have bills you cannot pay?  A Chapter 7 Bankruptcy can help wipe out credit cards, medical bills and pay day loans.  A Chapter 13 Bankruptcy works as a legal debt consolidation giving you …

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Can I Keep My Income Tax Refund in a Chapter 7 Bankruptcy?

By Cynthia Podis Bankruptcy Attorney Clients in my office ask this question every day!  The answer is it depends on the amount of your refund and other assets.  The Bankruptcy Code allows you to keep some personal assets in a Chapter 7 by referring to your state law or in some special cases, the Federal …

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Credit Card Bankruptcy

By Cynthia Podis Nashville Bankruptcy Lawyer If you answer yes to one or more of the following questions, you may benefit from a Bankruptcy: 1) I am falling behind each month on credit card bills and other bills. 2) I am using one credit card to pay another. 3) I am living paycheck to paycheck. …

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The Difference between Chapter 7 and Chapter 13 Bankruptcy

By Cynthia Podis Nashville Bankruptcy Lawyer Chapter 13 Bankruptcy is a repayment plan that lasts between 3 to 5 years versus a Chapter 7 Bankruptcy which wipes out debts without repayment. In Chapter 13 and Chapter 7 bankruptcy, you must list all of your debts and assets in the Bankruptcy Petition (forms filed with the …

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Top Ten Reasons to File Bankruptcy with Podis and Podis

Top Ten Reasons to Hire Podis and Podis for your Bankruptcy Lawyer Experienced attorneys, Mark (31 years of practice) and Cindy Podis (22 years of practice), handle your case! At Podis and Podis we offer a free first appointment to talk to you and explain what information you need to gather to file bankruptcy! At …

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