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Memphis, TN 38117
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Practice Areas
Consumer Bankruptcy
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Wage Garnishment
Vehicle Repossession
Foreclosure Defense
Bankruptcy & Divorce
Driver’s License Suspension & Bankruptcy
Creditor Harassment
Business Bankruptcy
Chapter 7 Business Bankruptcy
Debt Relief
Credit Card Debt
Tax Debt
Medical Debt
Student Loan Debt
Probate
Personal Injury
About
David N. Arnold, Esq.
Reviews
Blogs
Contact
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(901) 625-0955
Blogs
As a Memphis Business Owner, How Do I File for Bankruptcy?
When you own a business, you may do everything possible to ensure success. However, times can be tough, and you may find that you’re…
What Can I Expect at a 341 Meeting of Creditors During Memphis Bankruptcy?
When you file for bankruptcy, there are several considerations you must make during these challenging times. While many understand the basics of this process,…
How Can I Rebuild My Credit After Memphis Bankruptcy?
For many, bankruptcy can take a significant weight off their shoulders. Not only do you feel relief as creditors can no longer contact you,…
Can I Modify a Chapter 13 Repayment Plan in Memphis?
When you file for Chapter 13 bankruptcy, you’ll likely find that you feel like a significant weight has been lifted from your shoulders. However,…
If I Miss a Chapter 13 Payment in Memphis, What Happens?
Whether you just started your Chapter 13 repayment plan or a few years in, the unexpected can happen. If you discover that you’ve missed…
Personal vs. Business Chapter 7 Bankruptcy: What Are the Differences in Memphis?
Many are unaware that filing a personal bankruptcy differs from filing on behalf of a business. Interestingly enough, there are different Chapters of bankruptcy…
Can I File for Bankruptcy Again in Memphis?
When you wish to file for bankruptcy for a second or third time, understanding whether or not there are limitations regarding how often you…
What Can I Expect When Filing Chapter 13 Bankruptcy in Memphis?
When you are in debt, you may have explored all options for relief before deciding that bankruptcy is in your best interest. For many,…
What Are the Steps During Chapter 7 Bankruptcy in Memphis?
If you’ve decided to file for bankruptcy, understanding the steps you must take is critical. While most understand that declaring bankruptcy can help alleviate…
Will Bankruptcy Discharge Alimony Obligations in Memphis?
It’s no secret that divorce is an extremely emotional process for many. However, many do not realize the financial and legal complexities this process…
How Does Bankruptcy Affect Car Loans in Memphis?
When you make the difficult decision to file for bankruptcy, you may be excited to receive financial relief for the debts in your name.…
Can I Eliminate Memphis Tax Liens Through Bankruptcy?
When you’re in debt, it can be incredibly challenging to make ends meet. Unfortunately, you may find that this debt increases during tax season…
What Is the Purpose of Credit Counseling for a Bankruptcy Case in Memphis?
Deciding to file for bankruptcy is rarely easy for those in Memphis and throughout Tennessee. Though it can provide much-needed financial relief for those…
Will Filing Bankruptcy Stop Creditors From Contacting Me in Memphis?
When you are in debt, it can be incredibly overwhelming to try and manage payments. However, this can all become too much to handle…
Does Bankruptcy Erase All My Debts in Memphis?
Many who file for bankruptcy have a false conception that doing so will erase all debts associated with them. While this process can be…
How Do Bankruptcy Exemptions Work in Memphis Tennessee?
Deciding to file for bankruptcy is not something many people take lightly. However, if you’ve explored all your options and decided this is in…
Can I Get a Credit Card After I File for Bankruptcy in Memphis?
One of the main concerns those considering filing for bankruptcy will worry about is what happens to their credit score after. While it’s no…
What Happens to My Utility Bills After I File for Bankruptcy in Memphis?
Making the decision to file for bankruptcy isn’t always easy, as there are many considerations you’ll have to make before determining if this is…
Can I Get a Loan Modification While in Bankruptcy in Memphis?
When you are in bankruptcy, there are certain limitations on what you can and cannot do. As such, if you want to obtain a…
Can Filing for Bankruptcy in Memphis Stop Wage Garnishment?
When you’re in debt, the collector assigned to your case may inform you that they will pursue wage garnishment against you if you do…
Are Mortgages Secured or Unsecured Debts During Memphis Bankruptcy?
When you’re considering filing for bankruptcy, there are many considerations you’ll need to make. Unfortunately, if you are unfamiliar with this process, you may…
What Is the Role of a Bankruptcy Trustee in Memphis?
Though it can be challenging, filing for bankruptcy can help you regain control of your finances. However, this process isn’t as simple as filing,…
When Should I Declare Bankruptcy in Memphis?
Generally, many who consider filing for bankruptcy are unsure when they should resort to this option. This process can help eliminate debt and provide…
How Does the Means Test for Bankruptcy Work When Filing in Memphis?
When you want to file for bankruptcy, it’s essential to understand your options. As a consumer, you will likely proceed with Chapter 7 or…
Are Medical Bills Discharged During Bankruptcy in Memphis?
Though many are embarrassed by it, most Americans are in debt. For many, sustaining an injury or illness can often be the cause of…
Does Bankruptcy Impact Immigration Status in Tennessee?
When immigrating to the United States, you may have enough to worry about when trying to become a citizen. However, the last thing you…
Will Bankruptcy Impact My Ability to Rent an Apartment in Tennesee?
Filing for bankruptcy can have significant impacts on the future of your finances. Depending on which chapter you file, this will remain on your…
Can I Included My Personal Debts When Filing Business Bankruptcy in Tennessee?
When you own a business and things haven’t been going well, it can be disheartening. After all, you’ve likely poured hundreds of hours into…
Can I Keep My Memphis Tax Return if I File for Bankruptcy?
Filing bankruptcy can be an intricate process with many factors that must be taken into consideration. One thing you may not have considered until…
What Happens if I Get a Raise During Chapter 13 Bankruptcy in Memphis?
If you’ve made the difficult decision to declare bankruptcy, you understand that this stressful process can help you regain control of your finances. After…
How Will Personal Bankruptcy Impact My Tennessee Business Partners or Shareholders?
Filing for bankruptcy is always a difficult decision. Unfortunately for many, this can impact many aspects of life. If you own a business, understanding…
I Lost My Job. Can I File for Bankruptcy While Unemployed in Memphis?
For many, losing your job is a worst-case scenario situation. However, when you pile on a considerable amount of owed debt, it can leave…
How Long Must I Wait to File for Bankruptcy Again in Memphis?
For many, filing for bankruptcy is a last resort to regain control of their finances. However, when complete, many feel relief from the overwhelming…
How Will Bankruptcy Impact My Ability to Get a Mortgage in Memphis, Tennessee?
When you want to file for bankruptcy, it’s imperative to understand all the implications of this process. Though there are undeniable financial impacts those…
Can I Keep My Bank Accounts Open During Chapter 7 Bankruptcy in Memphis, Tennessee?
If you want to file for bankruptcy, you may be hesitant based on the impact it can have on your finances. Though it will…
Can I File for Bankruptcy in Memphis if I Have a High Income?
Filing bankruptcy is an often complex and confusing situation for many. As such, there are many misconceptions about this process. One of the most…
What Happens if Someone Is Found Hiding Assets During Bankruptcy?
If you are filing for bankruptcy, it’s imperative to ensure you list all debts and assets. Unfortunately, many falsely assume they can get away…
What Happens to My Personal Belongings When I File for Bankruptcy?
It’s no secret that filing for bankruptcy will put some of your belongings at risk. Despite the financial refresh this process can offer, many…
How Will Bankruptcy Impact My Tax Debts?
Failing to pay what you owe by the due date will create a tax debt when you file your taxes. Unfortunately, these can often…
Can I Rent After Bankruptcy in Tennessee?
While filing for bankruptcy can offer someone financial freedom, it’s not without its drawbacks. It’s no secret that this process will impact a consumer’s…
What Will Happen to My Retirement Plans During Bankruptcy in Tennessee?
When you determine that filing for bankruptcy is in your best interest, it’s necessary to understand that most retirement accounts, including 401(k)s and ERISA…
Are Payday Loans Dischargeable During Bankruptcy?
When you file bankruptcy, you’ll find that you can receive immediate relief. While filing will remain on your credit report for some time, this…
How Long Does Bankruptcy Stay On My Credit Report?
Many people are hesitant to even consider filing for bankruptcy due to the impact it can have on their credit score. However, this process…
What Do Bankruptcy Lawyers In Tennessee Do?
When considering bankruptcy, it’s essential to weigh all your options carefully. Unfortunately, many people fail to consider the importance of hiring an experienced attorney…
How Will Bankruptcy Impact My Spouse?
When you marry your spouse, your vows likely represent the idea that you will stick by each other for better and for worse, for…
What Is a Chapter 13 Hardship Discharge?
Making the decision to file for bankruptcy takes much consideration and understanding of the consequences. However, many will find that it’s the step they…
What Should I Bring When Meeting With a Bankruptcy Attorney?
If you’ve weighed your options and decided that filing for bankruptcy is in your best interest, ensuring you enlist the bankruptcy assistance of an…
Can I Save My Business by Filing for Bankruptcy?
As a business owner, you’ll do nearly everything to help keep our company running. However, when things slow down, you may notice the bills…
How Much Does It Cost to File for Bankruptcy in Tennessee?
When considering whether or not you want to file for bankruptcy, one factor that may sway your decision is the cost to file. Though…
If You File for Bankruptcy, Will You Lose Your Home?
If you want to file for bankruptcy, the one thing holding you back may be the horror stories of people losing their homes in…
What Does It Mean to Receive a Bankruptcy Discharge?
When you have an overwhelming amount of debt, you may not know where to turn. You’ve tried debt consolidation and management, but nothing is…
How Are Co-Signed Debts Handled During Bankruptcy?
If a friend, family member, or business partner asks you to co-sign on a loan, you’ll need to take the time to carefully consider…
Can I File for Bankruptcy Without a Lawyer?
When you’re in debt, you may think adding attorney fees to help with filing for bankruptcy on top of what you owe isn’t a…
Do I Need Credit Counseling Before Filing for Bankruptcy in Tennessee?
There is often a misconception surrounding those who file for bankruptcy, labeling them as reckless spenders and financially irresponsible. However, this is not always…
How Long Does the Bankruptcy Process Typically Take?
When you are in debt, whether from poor financial decisions you made when you were young or emergency medical bills, understanding your options is…
Can Bankruptcy Clear Medical Debt?
It’s no secret that healthcare is expensive. This means one short stay in the hospital can create severe financial instability, adding a considerable amount…
What Credit Score Do You Start With After Bankruptcy?
Since its implementation, credit scores have changed how we shop and conduct business. These numbers illustrate a person’s ability to pay back loans on…
If I File Bankruptcy, Will It Stop Creditor Harassment?
When you are in debt, you may find yourself extremely overwhelmed with the bills piling up. However, factoring in the constant calls from creditors…
Can DUI Debt Be Discharged in Bankruptcy?
When you file for bankruptcy, understanding the process is essential. As many of your debts will be wiped, you will feel immense financial relief.…
What Is the Best Way to Handle Non-Dischargeable Debts During Bankruptcy?
Though it can have negative impacts, bankruptcy is ideal for those drowning in an overwhelming amount of debt. However, it’s a common misconception that…
Who Can File for Bankruptcy in Tennessee?
When you’re seemingly drowning in debt, you may not know the options you have. If you fail to pay back your debts, you risk…
Can Bankruptcy Be Used as a Negotiation Tool in Tennessee?
When facing an overwhelming amount of debt, you may not know what your options are. Unfortunately, debt is made to seem like something that…
What Are the Most Common Mistakes Made When Filing for Bankruptcy?
While there are a few downsides, filing bankruptcy can be a breath of fresh air to offer debtors the restart they need to return…
Can Filing for Bankruptcy Impact My Employment Opportunities?
Filing for bankruptcy is stressful without considering the effect it could have on your employment opportunities. When you think about this, you may begin…
Personal injury and Tennessee’s cap on damages
One of the central purposes of a personal injury claim is to put the injured party back in the position they would have been…
Which is right for you: Chapter 7 or Chapter 13?
When you get in over your head with debt, it can be very difficult to get out. Fortunately, lawyers with experience in debt relief…
3 things that bankruptcy can put a stop to
When people are struggling under mounting debt, it can feel like the stress, anxiety and financial strain will never end. Add to that the…
A mortgage is possible after filing for bankruptcy
The loss of a job, a medical crisis or just mounting debt can often make one feel as if all hope is lost. As…
Bankruptcy may be the answer for financially struggling seniors
Retirement years are supposed to be filled with family time and relaxation. They are supposed to be the years people enjoy after putting their…
Tennessee bankruptcy: What is overbiffing?
No one likes to deal with debt collectors. Their goal is to collect money. They do not care about the people they are collecting…
Will my bankruptcy repayment plan be affordable?
Tennessee residents who are looking at debt relief options want to make sure that any route they choose will actually be of benefit to…
The differences between Chapter 7 and Chapter 13 bankruptcy
Financial difficulties can arise at any point in life. Sometimes they come on suddenly, such as when an individual needs an emergency surgical procedure,…
What are common myths of bankruptcy?
Many of us struggle with financial hardships. Whether the difficulty comes from medical emergencies, sudden job loss, or anything else, even the most frugal…
How do you go through the bankruptcy process successfully?
Many people in the United States are living with a great deal of debt. Some people have struggled for many years and some people…
A friendly reminder about safe winter driving
People are caught off guard every winter when cold, wet weather changes driving conditions. Whether this is your first winter behind the wheel or…
Memphis firefighters are vulnerable on the road
Being a firefighter can be an extremely dangerous profession and firefighters are constantly putting themselves in harm’s way. Of course, that never seems to…
October highlights importance of pedestrian safety
You may not even think about it, but at some point during the day it is likely you are a pedestrian. Whether you are…
Tennessee sees uptick in fatal crashes amid increased traffic
In Tennessee and across the nation, the current situation in which people were forced to live in vastly different ways than they did before…
The devastating consequences of truck accidents
Each day, thousands of commercial trucks transport essential goods, materials, and food products throughout Tennessee, helping the economy thrive. However, with so many large…
When should I consider filing bankruptcy?
Many Americans have faced serious financial setbacks this year. Perhaps, you lost your job and already were struggling to pay off your medical debt.…
Who is most at risk for drowsy driving?
According to the National Safety Council, sleep deprivation can cause many of the same impairments that alcohol consumption can cause. Both sleep deprivation and…
You can rebuild your credit after bankruptcy
Many people are reluctant to seek bankruptcy protection because they are concerned about the impact it will have on their credit record. Unfortunately, there’s…
3 Common driving mistakes that can lead to an accident
Driving is a great privilege, but it can also be a responsibility. Any driver is prone to making a mistake or two behind the…
Will the hands-free law change Tennessean driving habits?
On June 1, Tennessee became the nineteenth state to enact a hands-free driving law—and for good reason. A recent study revealed that Tennessee is…
Bankruptcy is a time for self-reflection
Filing for bankruptcy is a big step to take. If you’re feeling apprehensive about taking the plunge, a little self-reflection may be useful. By…
Is driving with a hangover negligent?
We all know that alcohol impairs a person’s judgement, making it dangerous to drive while under the influence. However, those who have drank too…
LEARN ABOUT THE OPTIONS FOR FORECLOSURE DEFENSE
When finances are tight, it is not unusual for Tennessee homeowners to miss a mortgage payment in order to pay their other bills. When…
Even minor motor vehicle accidents can cause injury
You were out doing your normal thing. Maybe you were driving to work, school, taxiing children around or just running errands when it happened…
Debt makes us do things we normally would not
A former officer with the Central Intelligence Agency was recently sentenced to prison for spying for China. He claims it all started because he…
Who can get ticketed for not wearing a seatbelt?
We’re all familiar with the Click-it or Ticket campaign that encourages Tennessee residents to buckle up while in a moving vehicle. But, does it…
Why people who go bankrupt aren’t always bad with budgets
The common stigma around bankruptcy is that filing for it means you have poor money management skills. This misconception is dangerous because it can…
Why there’s no such thing as a “minor” accident in Tennessee
There’s no doubt that certain types of car accidents have more severe consequences than others. However, some drivers make the mistake of not filing…
Memphis motor vehicle accidents: Child hit by car dies
On March 26, police in Tennessee were called to the scene of an auto versus pedestrian accident. This incident occurred in the Whitehaven area.…
Did you know there is a debt awareness holiday?
Just about everyone in Tennessee loves and is excited for a good holiday. If anyone takes the time to look, they will find that…
Tennessee motor vehicle accidents: Crash kills 1, injures 2
Police in Tennessee are in the process of investigating a recent car crash that claimed the life of one man and left two other…
Struggling financially? Bankruptcy may help your situation
As much as you probably hate to admit it, you are in a bad way financially. You have tried your hardest to correct the…
Tennessee personal injury: Did your surgeon make a mistake?
Every day, numerous Tennessee residents have surgery performed for a variety of reasons. In non-emergent cases, patients can pick their doctors, giving them time…
The role of inattentional blindness in motor vehicle accidents
Car, truck, motorcycle and pedestrian accidents all happen for a number of reasons. One reason that some Tennessee residents may not be familiar with…
Why health problems often lead to the need to file bankruptcy
Most people are aware that there is a medical debt crisis in this country. Millions of Americans have found themselves unable to provide for…
Truck weigh stations help prevent motor vehicle accidents
Truck weigh stations are commonly seen on the sides of Tennessee highways. Most people just drive on by, not giving these stops a second…
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