Tennessee Bankruptcy Attorney

Robert L. Scruggs, Attorney at Law

2525 21st Avenue South, 2nd Floor Nashville, Tennessee 37212 USA

 (615) 866-2408 or (866) 919-7749
 (615) 309-7046

www.scruggs-law.com
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Law Firm Overview Free Consultation

Robert L. Scruggs a bankruptcy attorney provides legal representation and services to individuals located in Nashville, Tennessee. In an economy where millions of Americans have lost their jobs or face foreclosure, mounting debts can become unmanageable and impossible to overcome. In difficult financial times, it is important to remember that you do have rights and options as a consumer. Robert L. Scruggs is a Nashville-based attorney focused on helping individuals, families and business owners take control of their financial future and achieve a fresh start through bankruptcy.

When facing a complex personal or business legal issue, consulting with an experienced attorney, as soon as possible, could impact the results in your case. Robert L. Scruggs Attorney at Law, is a Nashville-based attorney focused on protecting clients' rights in cases involving bankruptcy, real estate and business law. Whether you are an individual considering bankruptcy or you are a business owner facing a dispute, our firm can effectively provide the counsel, guidance and advocacy to achieve results in your case.

Bankruptcy is one of the only ways to completely reduce or eliminate debts, stop foreclosure and stop repossession. Our Nashville bankruptcy attorney will provide the counsel and advocacy you need to protect your rights through the bankruptcy process. We will assess your debts, assets and income to determine if bankruptcy is the right option for you. For most individuals and families, the purchase of real estate will be their most significant investment and asset. It is important to have a clear understanding of your rights and obligations to protect your future interests. We are experienced in representing consumers and businesses in the purchase and sale of commercial and residential real estate property.

Practice Areas

Practice Areas Description

Robert L. Scruggs, Attorney at Law provides legal representation and services in the following areas of practice:

- Bankruptcy

At the law office of Robert L. Scruggs Attorney at Law, we are experienced in helping individual consumers and businesses explore their options in bankruptcy. We will take the time to answer your questions, address your concerns, and provide the information you need to make the best decisions for your family and your financial future. We will explore your alternatives to bankruptcy and point you in a different direction — if we think there is a better option for your case.

- Chapter 7 Bankruptcy

Misconceptions are often circulated by lenders who want to stop consumers from filing bankruptcy. The truth is that bankruptcy is a protection intended to help debtors when there is often no other course of relief. We know that for many filers, circumstances have become such that there is no other option. A job loss, divorce, injury or other circumstance may have left you unable to overcome unmanageable debts. We will take the time to help you understand the legal processes involved with filing bankruptcy, and inform you of any consequences or obligations of filing. Chapter 7 bankruptcy allows you to: eliminate unwanted debt, stop foreclosure, stop repossession, eliminate medical bills and eliminate credit card bills.

- Chapter 13 Bankruptcy

Chapter 13 is also known as debt reorganization because it allows debtors to stop creditor harassment and create payment plans with creditors. Unlike Chapter 7, debts will not be completely discharged, but you will be given relief and the opportunity to reorganize and pay debts off over time. Sometimes people pay back 100 percent of debts, but in other cases, we can renegotiate total debts with creditors. In the end, you will reduce your overall payments because you will not be accumulating fines and interest. Chapter 13 also allows you to: stop foreclosure, stop repossession, protect your exempt property, reduce overall debts, prevent fines and interest, restore your credit and achieve financial independence.

- Chapter 11 Bankruptcy

It is important to remember that Chapter 11 bankruptcy, while commonly associated with small business, is available to individuals also. Chapter 11 was created as a next step up from Chapter 13 debt reorganization. Chapter 11 exists to resolve situations that are far too complex to resolve through Chapter 13. Our Tennessee Chapter 11 lawyer will examine your unique situation and provide expert advice on which form of bankruptcy might be best for your situation.

- Foreclosure Defense

You can stop foreclosure through bankruptcy up until the last minute. As long as the foreclosure sale has not happened yet, you still have time. We are ready to move quickly to help you keep your house. We will take the time to understand your concerns and develop a comprehensive solution to protect your rights, now and into the future. In some cases, we understand that bankruptcy may not be the right option for you. Exploring all of your options and alternatives, we will work to develop a financial solution that works for you and your family. In the event that you do decide to file bankruptcy, we will handle every aspect of your case, including debt and asset assessment, filing and disputes with creditors.

- Repossession Defense

When creditors threaten repossession of a vehicle or other personal property, you need immediate advocacy and legal representation. Did you know that filing bankruptcy results in an automatic stay that prevents any creditor from repossession? However, once a vehicle is repossessed, there is very little that can be done. At the law office of Robert L. Scruggs Attorney at Law, we are experienced in representing clients faced with repossession. We will aggressively defend your rights so that you can protect your rightful property.

- Loan Modifications

Rather than filing for bankruptcy, many homeowners wish to avoid foreclosure through loan modification. In this process, the lender examines the finances of the individual, the terms of the mortgage and any hardships the individual is facing. With this information, the lender can choose to modify the terms of the loan. Terms such as interest rates, monthly payments or mortgage length can be modified. It is important to remember that the lender is actually under no obligation to modify the mortgage. Having the help of an experienced attorney can make all the difference in certain situations. Let our firm guide you through the process and educate you on the challenges you might face.

- Creditor Harassment

Once a bankruptcy petition has been filed, all collection efforts must cease. This is commonly referred to as the automatic stay. If creditors contact you, all you need to tell them is that they need to contact your lawyer. Essentially, creditors will need approval of the court to contact you directly. The automatic stay puts an end to all collection efforts, including calls, letters, lawsuits, wage garnishment, bank account garnishment or repossessions. Many clients feel an immediate sense of relief when these collection efforts end. They feel that a fresh start is right around the corner. In addition to the automatic stay, Congress has enacted protections for individuals facing collection efforts. The Fair Debt Collection Practices Act (FDCPA) was enacted to protect individuals from certain types of abusive or deceptive conduct.

- Real Estate Law

Robert Scruggs handles real estate law for individuals. Successful real estate deals need professional legal attention, even if you are working with an agent who seems to be taking care of everything for you. Bob also provides legal counsel to commercial real estate clients. Working in the real estate business is complex, and the legal details can take you by surprise. Whether you are a developer, builder, contractor, or property manager, you need solid legal counsel in your line of work. Real estate agents are also welcome to seek guidance at the office of Robert Scruggs.

- Business Law

Throughout the life of your business, you will have to make important legal and business decisions that could affect your liability, productivity, investments and the ultimate success of your business. As your advocates, we will provide necessary counsel, determine an appropriate strategy and aggressively defend your interests. We are experienced in transactions and business contract negotiations involving: buy-sell agreements, closeout sales, nondisclosure and non-compete, employment contracts, vendor agreements, real estate, licenses and clearances.

Attorneys

Mrs. Robert L. Scruggs Attorney Bankruptcy, Business Law, Real Estate

More Information on Robert L. Scruggs, Attorney at Law

Tennessee Bankruptcy Attorney
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Foreclosure Defense Attorney in Nashville, TN
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Davidson County, Tennessee Debt Relief Attorney
Loan Modification Lawyer in Nashville, TN
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