Category: Bankruptcy

Debt Collector Scam Hitting Memphis Residents

Our office has seen a rise in debt collection scams across Memphis and the Mid-South. Bankruptcy clients have reported that when some creditors call them, the caller ID will say it's from the local police department. That's not only incorrect, it's often illegal. The law says debt collectors cannot send fake or misleading communication, including using false names or letterhead. They also can't threaten you with police action or arrest. When a creditor uses technology to trick you into... Read More
Posted by Darrell Castle at Monday, Nov 23, 2015 | 0 comments
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If I File Bankruptcy, Will a Lawsuit Still Show on My Credit Report?

If you file for bankruptcy after someone has sued you over a debt, the lawsuit will probably still show up on your credit report.  But in my experience as a bankruptcy lawyer in Memphis , people who ask this question are thinking about their credit the wrong way.  If you have enough debt to get sued, your credit is probably already bad. And while bankruptcy doesn’t help your credit score, it  can  get you to a place where you’re able to deal with your finances again,... Read More
Posted by Darrell Castle at Wednesday, Nov 18, 2015 | 0 comments
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3 Ways Bankruptcy Can Help Prevent Blight in Memphis

Tennessee is in the process of setting up a $7 million grant program to combat blight. They plan to buy up the vacant properties and transform them into affordable housing, parks, and other useful, renewed spaces. As part of this program, the Memphis City Council is considering a new nonprofit that would target blight in Memphis.  Blight refers to dilapidated, abandoned properties that can sometimes lay dormant for years, leading to an increase in crime and lack of investment in... Read More
Posted by Darrell Castle at Monday, Nov 9, 2015 | 0 comments
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How to Stop Living Paycheck to Paycheck

Do you feel like you're just treading water every day? Most Americans live paycheck to paycheck right now. As many as 62% of families don't have any emergency savings at all, and in some cases, even families making over $75,000 a year are struggling from week to week. Doesn't that get old eventually?  As a Memphis bankruptcy lawyer, I've seen so many families struggle to make ends meet. For them, one lost week of work could be a total catastrophe. It should never be normal ... Read More
Posted by Darrell Castle at Wednesday, Nov 4, 2015 | 0 comments
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How to Deal with a Lawsuit Against You for a Debt You Can't Pay

There are a few things to remember when someone sues you for a debt: 1. If you don't respond to the lawsuit, you automatically lose. As a Memphis bankruptcy lawyer, I can't tell you how many times I've seen clients come in who have a judgement against them for a debt just because they never responded or didn't show up in court.  It's not always their fault – sometimes it's impossible to take time off from work or family – but it's a frustrating reason to lose a lawsuit. 2.... Read More
Posted by Darrell Castle at Tuesday, Oct 20, 2015 | 0 comments
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Bankruptcy Isn't Irresponsible When Corporations Do It

Just this past week, two huge companies declared bankruptcy: American Apparel and City Sports. In both cases, they did what companies all over America do every day: they used the law to protect their assets and keep business going.  That's what bankruptcy is designed to do. It's a tool meant to help organizations and individuals get out of debt and not crumble under the system.  But sometimes we're quicker to forgive corporations than we are people . As a bankruptcy attorney... Read More
Posted by Darrell Castle at Tuesday, Oct 13, 2015 | 0 comments
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Financial Help When Your Hours Are Cut

In February, Wal-Mart announced a wage increase for 40% of its workers. But in September, a lot of workers found out the hard way how Wal-Mart plans to pay for those wage increases. Wal-Mart slashed the hours of many of its employees, right around the start of the school season.  It makes you wonder: what was the point? For the lowest paid workers, getting a raise could make a huge difference. But if they can't work the same hours as before, doesn't the raise just get cancelled... Read More
Posted by Darrell Castle at Thursday, Oct 8, 2015 | 0 comments
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Are We All Reaching the Limit?

Credit card debt isn't just on the rise. It's reached the point where the average person may never pay it back. As Memphis Business Journal reports : The average indebted household’s balance is projected at $7,813 by year end, the highest amount since the recession and $615 below the tipping point CardHub identifies as being unsustainable. That means almost every American family with any credit card debt at all is at the breaking point. Think about that. We're talking about... Read More
Posted by Darrell Castle at Monday, Sep 21, 2015 | 0 comments
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We're Blaming the Wrong People for Bankruptcy

Americans are very good at encouraging young people to do all the right things:  Get the best education available Buy a home for your family Give yourself and your loved ones the best life you can But in all three examples, many people are being set up to fail.  Take education. Schools are promising more and more to young people, but in so many cases they fail to provide the one thing you need when you graduate: a job.  Or mortgage payments. When... Read More
Posted by Darrell Castle at Tuesday, Sep 15, 2015 | 0 comments
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Can a Lawyer Help Improve Your Credit History?

If you're looking to clean up your credit, you may not need a lawyer. There are a few things you can do yourself: Get a copy of each major credit report. You're entitled to a free report every year, which you can get at .  Dispute anything wrong you see on the reports. Here are some good instructions on how to do that. Set up regular payments on any debts, and make sure to budget for them.  For a lot of people, that third one can be... Read More
Posted by Darrell Castle at Wednesday, Sep 9, 2015 | 0 comments
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