Lebanon Credit Counseling Lawyer

Credit Counseling Attorney in Lebanon, TN

As debt builds over time, its impact on your life can leave you desperate, overwhelmed, and feeling backed into a corner. Fortunately, there are still options available to you with the help of a Lebanon credit counseling lawyer.

By the end of 2024, there were 197,244 cases of Chapter 13, as well as 310,631 of Chapter 7 bankruptcy filed in the country. Chapter 7 bankruptcy addresses unsecured debts, like medical bills, credit cards, and utility bills, while Chapter 13 focuses on secured debts, such as the mortgage to your home or your car.

Even though people are being paid more than ever before, the cost of everything has also increased, making debt feel like an inevitable and inescapable reality. In 2025, the average amount of personal debt held by Americans was $104,755.

It is numbers that size that leave people feeling desperate, and you may be tempted to run to the nearest debt settlement agency you can find. It is important, however, that you be aware of the risks of doing so, as well as the benefits of hiring the right credit counseling lawyer to handle your case.

The Risks of Debt Settlement Companies

Simply put, debt settlement companies are essentially businesses that purport to negotiate smaller payments as you pay back your creditors. Ideally, they would take out a fee, but then handle paying your creditors based on the agreed-upon amount.

While this option may seem quick and convenient, some of these businesses are not as legitimate as they claim. Giving them your money could leave you with nothing but unpaid creditors and more problems than when you started. Here are some examples of how a non-legit debt settlement company could land you in more trouble:

• They charge you exorbitant fees.
• They make you fraudulent promises.
• They claim they are non-profit when they are not.
• They fail to pay your creditors on schedule or even at all.

Sometimes, declaring bankruptcy is in your interest. Fortunately, with the help of a Lebanon credit counseling attorney, you can pursue bankruptcy in a legal, organized, and beneficial way.

Why You Should Hire a Credit Counseling Lawyer

There are many reasons that you should hire a credit counseling lawyer. For one, they can help you manage your debt, providing you with both legal counsel and financial recovery opportunities.

Federal law requires that any individual looking to file Chapter 7 and/or Chapter 13 bankruptcy must participate in a credit counseling class. At Kerney Law Firm, this is a service we can provide you with while additionally offering guidance and support as you navigate the bankruptcy process. A credit counseling class can be held online or in person, and is intended to determine if there are any alternatives to bankruptcy for you in Lebanon.

When you participate in our credit counseling course, you will be legally allowed to pursue filing for bankruptcy. When you are able to access this course through a lawyer who is then able to help you manage your bankruptcy case, you have the added benefit of being supported by someone who will already have a grasp of the ins and outs of your case, therefore tailoring the next steps to meet your needs.

After filing for bankruptcy, a second credit counseling financial management course is required before your case can be closed. We are happy to answer all of your questions about this course and support you every step of the way.

Choose Kerney Law Firm to Help With Your Credit Counseling Needs

Born and raised in Tennessee, attorney Christopher Kerney has a love for and understanding of the people who share his home state. With more than 20 years of experience, he has helped hundreds of people reclaim their financial independence, as well as their future. He believes in tailoring his approach to meet the needs of his clients instead of expecting them to fit into a set mold. Connect with us today to see how, to our team, you are more than just a case number.

FAQs

How Much Does It Cost to Hire a Credit Counseling Lawyer in Tennessee?

In Tennessee, the cost of hiring a credit counseling lawyer will vary. Factors that can affect the overall price include who you hire to represent you, the amount of time your case takes to resolve, the overall complexity of your case, and the severity of your debt when you reach out to your lawyer.

Is Credit Counseling Better Than Debt Settlement in Tennessee?

When it comes to determining whether credit counseling is better than debt settlement, the answer cannot be considered a one-size-fits-all solution. There are many different variables that can come into play, such as whether or not you have a steady income you can leverage to repay the debt over time. Hiring a lawyer can help you get a second opinion on the matter, and together you can determine which pursuit meets your needs.

Should I Hire a Credit Counseling Lawyer to Handle My Case in Tennessee?

While you are not legally required to do so, many individuals have found that hiring a credit counseling lawyer had an impact on the outcome of their case. A lawyer can also increase your level of understanding and peace of mind, as they work to ensure that you meet your financial goals.

After the Credit Counseling Course, Do I Have to Go to Court if I Declare Bankruptcy?

If you declare bankruptcy, you will need to attend a routine meeting called a 341 meeting, conducted by the trustee who is assigned to your case, not a courtroom.

Your lawyer can also represent you at your 341 meeting at the Customs House, located at 701 Broadway in Tennessee, guiding you every step of the way as you navigate any next steps that may arise, as well as explaining each part of the process so you can move forward with confidence and clarity.

Get More Information Today

Contact Kerney Law Firm today to schedule a consultation and find out how we can help you regain power over your finances and your future. We focus on debt relief and helping people file for bankruptcy under the United States Bankruptcy Code.