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Bankruptcy Basics & Process

All Topics Alternatives to Bankruptcy Bankruptcy Basics & Process Chapter 13 Bankruptcy Chapter 7 Bankruptcy Credit Card & Consumer Debt Debt Collectors & Lawsuits Eviction Foreclosure & Mortgage Medical Debt Payday & Title Loans Wage Garnishment
Can Chapter 7 for Old Tax Debt Wipe It Out?

Can Chapter 7 for Old Tax Debt Wipe It Out?

by Arthur Ray Jul 20, 2026

A letter from the IRS can make an old tax bill feel permanent. It is not always permanent. Chapter 7 ...

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Bankruptcy After Failed Debt Consolidation Options

Bankruptcy After Failed Debt Consolidation Options

by Arthur Ray Jul 14, 2026

A debt consolidation plan can feel like the responsible choice: one payment, a lower interest rate, and a promise that ...

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341 Meeting Preparation Guide for Memphis Filers

341 Meeting Preparation Guide for Memphis Filers

by Arthur Ray Jul 12, 2026

A 341 meeting is usually short, but it is not something to treat casually. This 341 meeting preparation guide explains ...

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Free Bankruptcy Consultation Lawyer in Memphis

Free Bankruptcy Consultation Lawyer in Memphis

by Arthur Ray Jul 7, 2026

When your paycheck is being garnished, your mortgage is behind, or collectors will not stop calling, waiting usually makes the ...

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Top Signs Bankruptcy May Help You

Top Signs Bankruptcy May Help You

by Arthur Ray Jun 30, 2026

The warning signs usually show up before people say the word bankruptcy out loud. It might be a paycheck hit ...

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How to Protect Tax Refund From Creditors

How to Protect Tax Refund From Creditors

by Arthur Ray Jun 27, 2026

A tax refund can disappear faster than most people expect. One day you are counting on that money to catch ...

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Can I Keep My House in Bankruptcy?

Can I Keep My House in Bankruptcy?

by Arthur Ray Jun 24, 2026

The notice on your door, the missed mortgage payments, the calls from creditors - this is usually when the question ...

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When Should I File Bankruptcy?

When Should I File Bankruptcy?

by Arthur Ray Jun 6, 2026

The question is usually not when should I file bankruptcy in some abstract sense. It is when do I stop ...

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Automatic Stay Protection Guide

Automatic Stay Protection Guide

by Arthur Ray May 27, 2026

The calls keep coming, the foreclosure date is getting closer, or your paycheck is already short because of a garnishment. ...

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Bankruptcy Exemptions Tennessee Explained

Bankruptcy Exemptions Tennessee Explained

by Arthur Ray May 17, 2026

When people in Memphis call our office, one of the first fears they bring up is simple - am I ...

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Consumer Bankruptcy Process Guide

Consumer Bankruptcy Process Guide

by Arthur Ray May 14, 2026

The phone keeps ringing. Your paycheck is short because of a garnishment. The mortgage company is sending default letters. If ...

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Can You Keep Your Car in Bankruptcy?

Can You Keep Your Car in Bankruptcy?

by Arthur Ray May 11, 2026

If your car is the only way you can get to work, pick up your kids, or make it to ...

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How Bankruptcy Saves Your Car

How Bankruptcy Saves Your Car

by Arthur Ray May 7, 2026

The tow truck usually shows up at the worst possible time - before work, after a late payment, or right ...

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Filing Bankruptcy With No Money in Memphis

Filing Bankruptcy With No Money in Memphis

by Arthur Ray Apr 30, 2026

When your paycheck is already gone before it hits the bank, filing bankruptcy with no money can sound impossible. That ...

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Bankruptcy Filing Costs in Memphis

Bankruptcy Filing Costs in Memphis

by Arthur Ray Apr 29, 2026

If you're behind on bills, dodging collection calls, or worried about losing your home or car, bankruptcy filing costs may ...

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Memphis Bankruptcy Lawyer for Fast Relief

Memphis Bankruptcy Lawyer for Fast Relief

by Arthur Ray Apr 18, 2026

When your paycheck is being garnished, your mortgage company is calling, or your car is one missed payment away from ...

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How Much Debt to File Bankruptcy?

How Much Debt to File Bankruptcy?

by Arthur Ray Apr 17, 2026

If your paycheck is gone before the month is over, your phone will not stop ringing, and you are choosing ...

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Bankruptcy Means Test Explained Clearly

Bankruptcy Means Test Explained Clearly

by Arthur Ray Apr 16, 2026

If you are already behind on bills, getting sued, or worried about losing your car or home, the last thing ...

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What Debts Survive Bankruptcy?

What Debts Survive Bankruptcy?

by Arthur Ray Apr 15, 2026

Nobody files bankruptcy because life is going smoothly. Most people come in when the pressure is already high - wages ...

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How to Rebuild Credit After Bankruptcy

How to Rebuild Credit After Bankruptcy

by Arthur Ray Apr 11, 2026

The first surprise for many people is this: your credit can start improving sooner than you think. If you have ...

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Can Chapter 13 Stop Repossession?

Can Chapter 13 Stop Repossession?

by Arthur Ray Apr 4, 2026

A tow truck showing up in the middle of the night is not the time to start guessing about your ...

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Read more about Why you need an emergency fund and what amount it should be?

Why you need an emergency fund and what amount it should be?

by Arthur Ray Jun 17, 2025

An emergency fund is a financial safety net that helps you handle unexpected expenses or financial setbacks without having to ...

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Read more about Bankruptcy Can Provide a Sense of Relief

Bankruptcy Can Provide a Sense of Relief

by Arthur Ray Jun 17, 2025

Bankruptcy can provide a sense of relief from the emotional and mental burden of being in debt. The Emotional Burden ...

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CLICK TO MAKE AN APPOINTMENT (Consultation Is By Phone Only)

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6244 Poplar Avenue, Suite 150,
Memphis, TN 38119
901-475-8200
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Arthur Ray Law Offices 6244 Poplar Avenue, Suite 150, Memphis, TN 38119

© Copyright 2026 All rights reserved. Nothing on this website or its associated pages, comments, links, e-mail responses, articles or other communications and information are intended to be taken as legal advice for your individual situation. You should seek an attorney for legal advice. Further, the information on this website may not be up to date, the information having changed from the time it was originally posted. We assume no responsibility for any errors, omissions or contrary interpretation of the information on this website. This website is an advertisement for legal services only.

Arthur Ray Law Offices provides free bankruptcy consultations and petition preparation for residents of Memphis and the surrounding areas, including Germantown, Bartlett, Collierville, Cordova, Millington, and all of Shelby, Fayette, Tipton, and Lauderdale counties. We specialize in stopping foreclosures, repossessions, and garnishments through Chapter 7 and Chapter 13 filings.
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