Cohen & Fila

Navigating financial difficulties can be incredibly overwhelming, and for many in Tennessee, it often leads to uncertainty and stress. When you're seeking a path to financial recovery, having knowledgeable and supportive legal counsel is essential. For residents in Memphis and the surrounding Tennessee area, Cohen & Fila stands out as a dedicated law firm focused on providing expert guidance through complex bankruptcy proceedings.

Cohen & Fila has built a reputation for helping individuals and families in Tennessee assess their financial situations and determine the best course of action, whether it involves bankruptcy or other debt relief options. They pride themselves on being more than just a "bankruptcy mill," aiming to provide a complete overview of both bankruptcy and non-bankruptcy solutions to ensure clients make informed decisions tailored to their unique circumstances. Their commitment to client well-being is clearly reflected in the positive feedback from locals, highlighting their helpful staff and generally great service.

The legal team at Cohen & Fila understands that financial hardship can stem from various life events, such as job loss, medical bills, divorce, or identity theft. They are committed to providing compassionate and effective representation, helping good people facing bad situations regain control of their financial futures. For anyone in the Memphis area grappling with debt, understanding the specialized services and client-focused approach of Cohen & Fila can be the first step towards a fresh start.

Convenience and accessibility are crucial factors when selecting legal representation, and Cohen & Fila is strategically located to serve the Memphis, TN community effectively. Their office is situated at 200 Jefferson Ave #925, Memphis, TN 38103, USA. This address places them firmly in the heart of downtown Memphis, an area that is easily reachable for residents from various parts of the city and its surrounding Tennessee suburbs.

The downtown location offers several advantages. It's often well-served by public transportation, providing an accessible option for those who may not have personal vehicles or prefer to avoid parking. For clients driving to the office, downtown Memphis typically has numerous parking garages and street parking options available nearby, although it's always advisable to plan your visit and check for parking availability in advance. The central positioning of Cohen & Fila also means proximity to local courts and other legal and financial institutions, which can streamline the legal process for clients.

Being located on Jefferson Avenue, a prominent street in downtown Memphis, ensures that the office is easy to find, reducing any potential stress associated with navigating to a new place. This ease of access underscores Cohen & Fila's dedication to making legal assistance as convenient as possible for their Tennessee clients.

Cohen & Fila specializes in bankruptcy law, offering comprehensive services to help individuals and families in Tennessee achieve debt relief. Their expertise primarily revolves around two main types of consumer bankruptcy:

• Chapter 7 Bankruptcy: Often referred to as "straight" bankruptcy, Chapter 7 is designed to eliminate most unsecured debts, such as credit card debt, medical bills, and personal loans. The process typically takes around 90 days from filing until discharge. Importantly, clients often obtain immediate relief from creditor collection efforts upon filing. Cohen & Fila helps clients understand state exemptions that usually allow them to keep all of their real and personal property.
• Chapter 13 Bankruptcy: Known as a "wage earner's plan," Chapter 13 allows individuals with a regular income to repay their creditors through a court-supervised payment plan, typically spanning 36 to 60 months. This option is ideal for those who have fallen behind on secured debts like house or car payments and wish to retain their assets. Chapter 13 also includes unsecured debts, which are usually discharged at the plan's conclusion. It can be particularly beneficial for stopping foreclosures, repossessions, wage garnishments, and collection calls.
• Financial Assessment and Non-Bankruptcy Options: Beyond just filing bankruptcy, Cohen & Fila takes pride in thoroughly assessing each client's financial situation. They explore both bankruptcy and non-bankruptcy options, ensuring clients receive a complete overview to determine the best course of action for their specific needs, rather than pushing a "one-size-fits-all" solution.
• Free Consultations: They offer free in-office or telephone consultations to address specific concerns and determine the applicability of Chapter 7 or Chapter 13 to individual circumstances.

Their focused expertise in bankruptcy law means they are highly proficient in guiding clients through the intricacies of the process, ensuring that individuals in Tennessee receive the most effective and personalized debt relief solutions.

Cohen & Fila's approach to legal service is marked by several key features that benefit their clients:

• Specialized Expertise in Bankruptcy: Their dedicated focus on Chapter 7 and Chapter 13 bankruptcy means they possess deep knowledge and experience in this complex area of law, providing clients with expert guidance.
• Personalized Client Interaction: A significant highlight is their commitment to ensuring that "each and every client interacts directly with an attorney and no client has his/her bankruptcy case prepared by paralegals or support staff." This direct attorney-client relationship fosters trust and ensures a higher level of personalized attention.
• Client Satisfaction: The provided reviews like "The staff was very helpful and there business is generally great 👍😃 I Will let anyone know about Cohen & Fila" and "I have been acquainted with them for years AMAZING!" underscore a strong track record of positive client experiences and enduring relationships within the community.
• Comprehensive Financial Assessment: Rather than simply processing bankruptcy filings, Cohen & Fila helps clients assess their financial situation holistically, offering a complete overview of both bankruptcy and non-bankruptcy options.
• Immediate Relief: They emphasize the immediate cessation of creditor collection efforts, including foreclosures, lawsuits, repossessions, and garnishments, upon filing, providing much-needed immediate relief for clients.
• Local Knowledge: Operating in Memphis, TN, means they are well-versed in Tennessee-specific bankruptcy laws and local court procedures, which is a significant advantage for local clients.

Cohen & Fila offers a crucial and valuable service in the form of free initial consultations. This is a standard and highly beneficial offering in the legal field, particularly for those facing financial distress. During these consultations, prospective clients can:

• Discuss their specific financial situation and legal concerns without an upfront fee.
• Receive an initial assessment of whether Chapter 7 or Chapter 13 bankruptcy (or other non-bankruptcy options) is suitable for their circumstances.
• Understand the potential process, timelines, and implications of pursuing debt relief.
• Ask questions directly to an attorney and gain clarity on their legal options.

These free consultations are available either in-office or via telephone, making them accessible and convenient for individuals across Tennessee seeking preliminary legal advice on their financial challenges. While no other specific promotions are publicly advertised, the value of a free, direct consultation with an experienced attorney is immense for anyone considering debt relief.

For individuals in Tennessee seeking legal assistance with bankruptcy and debt relief, Cohen & Fila can be reached directly using the following information:

• Address: 200 Jefferson Ave #925, Memphis, TN 38103, USA
• Phone: (901) 527-9028
• Mobile Phone: +1 901-527-9028

Reaching out via phone is often the quickest way to schedule a free consultation or to get answers to initial questions regarding their services and how they might assist with your specific financial situation. Their team is prepared to guide you through the initial steps of exploring your options.

For residents of Memphis and across Tennessee, Cohen & Fila stands out as an exceptionally suitable choice for legal assistance, particularly for those grappling with financial difficulties. The firm's specialized focus on bankruptcy law – Chapter 7 and Chapter 13 – means they possess a depth of expertise that is crucial when navigating such complex and impactful legal processes. They aren't just processing paperwork; they are dedicated to assessing individual situations and offering tailored solutions, whether through bankruptcy or other debt relief strategies.

The highly positive customer reviews serve as a testament to their commitment to client care. Phrases like "The staff was very helpful and their business is generally great" and "AMAZING!" highlight a firm that prioritizes not only legal outcomes but also the client experience. The assurance that clients interact directly with an attorney, not just support staff, further underscores their dedication to personalized and high-quality service.

Furthermore, their convenient downtown Memphis location makes them easily accessible for individuals throughout the metro area, ensuring that professional legal help is within reach during challenging times. For anyone in Tennessee seeking a compassionate, expert, and client-focused approach to debt relief, Cohen & Fila offers a trusted pathway toward regaining financial stability and peace of mind.