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What's the difference between Chapter 7 and Chapter 13?

If you are one of the many Tennessee residents who are struggling financially, you are probably doing some research on all of the debt relief options available to you. While often thought of as a last resort, bankruptcy may be the best thing for you and might resolve a lot -- if not all -- of your debt issues, depending on your situation. There are two types of personal bankruptcy offered: Chapter 7 and Chapter 13. What's the difference between the two?

Chapter 7 and Chapter 13 bankruptcy filings both work to offer the petitioner a fresh financial start. However, the methods for achieving it are different.

Simple ways to bypass probate

You have probably heard tales about the unpleasant aspects of probate. Perhaps you took the estate of your parents or other loved ones through probate, and you know first hand of the frustration, delay and expense. Like many, you may think that probate, like death and taxes, is just part of life.

While it is true that the average estate will go through probate, especially if there is no estate plan, it is also true that there are a limited number of ways to bypass the process. Taking advantage of any of these options may spare your loved ones at least some of the hassles involved in the probate process.

You can avoid a complex legal battle with uncontested divorce

It's never an easy decision to file for divorce. When a Tennessee couple decides to move forward with this decision, they may wish to avoid certain complications and a costly, stressful court battle. This is possible by filing for an uncontested divorce. While it is not always the best choice in every situation, this could be the right decision for your family and your unique divorce.

Uncontested divorce is an option for couples that have no remaining disagreements between them. They agree on all issues related to custody, property division and other matters, and they are ready to simply get the process over with. If you and your spouse are in accord on the details of your divorce and there is no need for litigation, uncontested divorce could be the right choice for you.

Are you ready to adopt your stepchild?

Families can come in all different forms. Some individuals may have solid biological family relationships while other families have formed through marriages or adoptions. As a stepparent, you may have been in your stepchild's life for many years and likely consider him or her as your own child. While the feeling of love may seem like enough, you may also want to make the full parental status legal.

Many stepparents choose to adopt their stepchildren, but because of the nature of such a situation, legal proceedings do need to take place. Additionally, many parties will need involvement in the process, including the child's other biological parent.

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