Family Law

• Child Support
  You should list anybody and everybody that you might owe money or who might assert a claim of any kind against you. This includes taxes, child support, student loans, credit cards, medical bills, utilities, mortgages, car loans, finance companies, credit unions, etc. They might not all be treated the same in your case, and some might not be discharged, but every one of your creditors should be listed.
• Spousal Support
  A broader discharge of debts is available to a debtor in a chapter 13 case than in a chapter 7 case. As a general rule, the chapter 13 debtor is discharged from all debts provided for by the plan except certain long-term obligations (such as a home mortgage), debts for alimony or child support, debts for most government funded or guaranteed educational

Criminal Law

• Fraud
  There are other "credit counseling services" you may see in the phone book, advertised on a telephone pole or advertised through unsolicited mail. Some of these services offer to clear your credit file or to get you a new credit file. Often private credit counseling companies demand a large up front retainer and they promise more than they can deliver. Recently several of these companies have been in the news when they have been sued by a State Attorney General for consumer fraud. Usually, these organizations are rip-offs and you should avoid them.
• Identity Theft
  Everyone should always review his or her credit report periodically. Errors can be and are made. Just a few points can make or break your ability to acquire new credit. Therefore, it's crucial to have an accurate credit report. Over the last few years, identity theft has become a bigger and bigger problem as well. An uncorrected error can cause years of stress and frustration. The credit reporting bureaus must correct any inaccurate information on your credit report....but you need to bring the inaccurate information to their attention. Once corrected, the bureau is supposed to send you a free copy of the credit report showing that the inaccuracy was corrected.

Health Law

• Personal Injury
  Loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor's conviction of a crime.

Finance Law

• Bankruptcy
  As a Nashville area resident who is facing the threat of repossession, Clark & Washington may be able to help. Even if you are several weeks or months behind, even if a repossession truck is actively searching for your vehicle right now, an emergency Chapter 13 bankruptcy filing can give you necessary breathing room to think about what you want to do and to save your means of transportation.
• Foreclosure
  David filed his Chapter 13 case five minutes before his home is scheduled to be sold at foreclosure - the filing of his case made the sale void and the purchaser at auction may not take title