"Bankruptcy Lawyer In Nashville Tn" Discussion

Upsolve Community Member
Mary yes it really works i thought it would be hard...On the contrary pretty straightforward and simple.....and the upsolve team can answer your questions along the way.....

Upsolve Community Member
Hi Mary! I know, there is no such thing as a free lunch. Welcome to your free lunch...  It's actually a partnership because, through a series of questions and answers, YOU provide the answers and if some of the questions are confusing, the Upsolve Learning Center will most likely have your answers. This Community will assist you in locating the appropriate Learning Center information should you have difficulties. I am an Upsolver! I filed and was discharged in 2020. I couldn't afford a lawyer either and not only was Upsolve the tool I needed to do it myself, but I believe in Upsolve so much, I am here to assist others like you! Good luck, Mary! :-). 

Upsolve Community Member
I have a question. So far it had been easy enough answering the questions. I am stuck though on how how to find all the places you owe and cannot pay? A second question, is on credit Karma I can pull up Transunion and Experian (I think it was Experian). I have 2 credit scores show in the high 500's. They are a couple numbers a part. My question is I did not have a but 3 credited on it I owe..and my student loans whick say I am good standing. Anything else say there closed. So why is my credit score so low?

Upsolve Community Member
Mary, as a former Upsolve filer now rebuilding credit, let me see if I can assist with the several questions you have here. First, CREDIT KARMA is a commercial company NOT a credit reporting agency. This Upsolve Learning Center article: https://upsolve.org/learn/get-your-free-credit-report/ As far as Student Loans are concerned, late payments on private and federal student loans are reported to credit agencies. If they are in good shape, you won't see them on your credit report(s). I hope this helps! :-) 

Upsolve Community Member
You might also find this article helpful, Mary! https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/

Upsolve Community Member
Thank you. It did help but it's really overwhelming trying to find all the places you owe. Do I go back as far as I can with the debt?  Does this Questioner have to be done in 5 days? What happens if it isn't? Like I said it overwhelming. Sorry guys to ask all these questions.

Upsolve Community Member
You can take longer if you need, Mary. Thanks so much for being here

Upsolve Community Member
Money owed to the school is generally not considered a "student loan" but this can get complicated quickly and depend on the district you're in. Many schools don't understand how this works. If you can't get the person you're speaking with to understand that they're probably violating the bankruptcy discharge with their actions, it may not be a bad idea to schedule a consultation with a bankruptcy lawyer in your state. They can do the full analysis and talk you through the options. 

Upsolve Community Member
Emily, could you tell us more about this "tuition debt" is from your school that was discharged, and are you sure it was in the bankruptcy? Is this a Perkins loan? Do you have FSA ID to check the Dept. Of Ed database (NSLDS) which would list this if it was a loan?

Upsolve Community Member
In the remote case we are talking about a Perkins loan (originated by the school on or before 9/30/17) and serviced by the school, here is an article from the Upsolve Learning Center: https://upsolve.org/learn/perkins-loan-cancellation-discharge/

Upsolve Community Member
It was absolutely included in the bankruptcy and it was not a federal loan, it was a tuition debt from a class that I dropped.

Upsolve Community Member
There may also be information about tuition debt here that can help, Emily! https://upsolve.org/learn/getting-school-transcripts/ You're right that tuition debt is a different thing that student loan debt- good on you for asking! 

Upsolve Community Member
Same thing happened to me at Walden. They just asked for the discharge paperwork and I was released from it. 

Upsolve Community Member
Doren, I'm glad you're here! You can use Upsolve's free bankruptcy tool, as long as you qualify. Please let the community here know if you have any questions along the way :) 

Upsolve Community Member
that’s why Upsolve exists!

Upsolve Community Member
Hi Antoine, How long it takes before filing is largely up to you. https://upsolve.org/learn/steps-from-start-finish-before-file/. As far as after filing, a Chapter 7 bankruptcy typically takes about 4 - 6 months to complete after filing. Here is an Upsolve article to give you some guidance: https://upsolve.org/learn/how-long-does-chapter-7-take/

Upsolve Community Member
Antoine, my case took 4 months from start to finish and this was the "early Covid" time (Feb-May 2020)! From my view, the bankruptcy court system has stayed remarkably consistent throughout the pandemic! Good luck!

Upsolve Community Member
The process is in your hands! Several people have shared their "timelines" here, so that might give you a sense of what it looks like. It really depends on each person's circumstances, but generally speaking- before filing, you're in control of the process. After filing, it's usually about 4-6 months 

Upsolve Community Member
Antoine, the Upsolve article https://upsolve.org/learn/chapter-7-bankruptcy-timeline/ also breaks down the process so you can get a better idea of how long each step will take. I think you'll find it helpful in getting an estimate of time. 

Upsolve Community Member
Hi Bobby! Here is an article from the Upsolve Learning Center that should help answer your question! https://upsolve.org/learn/how-to-file-chapter-13-bankruptcy/ I hope this helps! :-)

Upsolve Community Member
This might help, too! https://upsolve.org/learn/can-you-file-chapter-13-bankruptcy-online-yourself/ 

Upsolve Community Member
Generally speaking, Chapter 13 cases are much more complicated than Chapter 7 cases and have an extremely high rate of failure when filed without the assistance of an attorney. Regardless, you always have the right to represent yourself in any court proceeding, which is called representing yourself “pro se.”

Upsolve Community Member
The success rate of Chapter 13 cases filed without a lawyer is really really low. May I ask why you're considering https://upsolve.org/learn/chapter-7-versus-chapter-13-bankruptcy/? 

Upsolve Community Member
Bobby, if you're low income consider contacting your local legal aid office to see if they can help or if they can give you a referral for help. (Not all legal aid offices handle bankruptcies.) If you're not familiar with legal aid, the article https://upsolve.org/learn/nonprofit-legal-aid-explained/ is an excellent explainer.