Resources

How do I deal with my mortgage company when facing foreclosure or bankruptcy?

If your house is at risk of foreclosure or is currently being foreclosed on, take immediate action. You may still have time to save your home. It is important that action take place to stop the foreclosure before the advertised sale date.

Filing a bankruptcy will immediately halt the foreclosure process. Tennessee is a non-judicial foreclosure state meaning a house can be sold by foreclosure without any court action being taken. If a bankruptcy is not filed in time, the sale can take place on the courthouse steps with just a notice in the newspaper. Don’t take chances with losing your home. Call us for an early appointment to consider your options.

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What sets Harlan and Quillen apart?

The law office of Harlan and Quillen, located in historic downtown Columbia, Tennessee, is committed to the exceptional representation of individuals and families involved in financial crisis, such as Chapter 7 or Chapter 13 bankruptcy. We believe that by concentrating so intensely on one area of law, bankruptcy, we are able to provide the highest level of service and expertise to our clients.

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Who should consider bankruptcy?

Our firm has been representing individuals and commercial clients in bankruptcy cases, for more than 20 years. We specialize in in offering our clients high quality representation for Chapter 7 Bankruptcy or a Chapter 13 bankruptcy, depending on their specific needs. Because our firm practices exclusively bankruptcy law and any related legal issues, we are qualified to manage all our clients’ needs in bankruptcy from the simple cases to the most complex cases.

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Harlan and Quillen has achieved an AV Preeminent Rating from Martindale-Hubbell

For more than 130 years, lawyers have relied on the AV® Preeminent™ rating while searching for their own expert attorneys. Now anyone can depend on this important, trusted rating. The Martindale-Hubbell® AV® Preeminent™ rating is the highest possible rating for an attorney for both ethical standards and legal ability. This rating represents the pinnacle of

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If I have previously filed for bankruptcy am I eligible to file again now?

A prior Chapter 7 bankruptcy discharge prevents another Chapter 7 case for 8 years from the date of the first case filing.  A prior Chapter 13 discharge prevents a Chapter 7 case for 6 years unless the case repaid 70% of the debt and was filed in good faith.  A prior Chapter 13 Discharge prevents another

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How do I know if I can file for Chapter 7?

Law changes in 2005 created a “Means Test” as a method of determining who is eligible to file for Chapter 7 relief.  Households with too much income or too little allowed expenses will not be eligible.  The “Means Test” uses the past 6 months of household income to determine the average income (called “Current Monthly

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Meet Harlan and Quillen

Whether you are at risk of foreclosure or are ready to initiate filing a Chapter 7 or Chapter 13 bankruptcy, or simply seeking advice, at Harlan and Quillen you can partner with a board certified consumer bankruptcy specialist – a leading-edge professional in the bankruptcy field. We know how stressful the worry and fear of

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Will a bankruptcy hurt the credit of my cosigner?

Cosigned loans may be repaid after a Chapter 7 is completed so the cosigner’s credit is not damaged. Often the loan will be left solely in the name of the cosigner and payment arrangements are made informally between the cosigner and the person filing bankruptcy so that the payments are made on time. The bankruptcy

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Can I lose my home, my car, or my furniture if I file bankruptcy?

Bankruptcy law allows you to keep items that are paid for such as furniture and personal belongings as long as the total resale value of those items is within the allowed amount of exempt property. This limit is $10,000.00 per person or $20,000.00 per married couple filing jointly. Additional property may be kept for specific

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What is a default judgment?

If you fail to appear in court as ordered by subpoena to defend this action, the court will enter in a default judgment against you and in favor of the creditor.

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