Attorney Ursula Woods

We're talking Bankruptcy with Attorney Ursula Woods on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:00):
Memphis probably presents the Beam Johnson Show.

Speaker 2 (00:05):
Let me say bath.

Speaker 1 (00:11):
First, let me you say She's gone Emphis, do game.

Speaker 3 (00:25):
No matter of the problem, she can have so.

Speaker 1 (00:30):
A phono.

Speaker 2 (00:33):
Normas on your mind. She understand Jimmy in the hair
by chilling you to just keep coming when around picking
up the chosing show goes. Got this something gay you

(00:54):
can hear every day you need. I weppen, you've got
me this talking.

Speaker 1 (01:45):
Good morning, good morning, good morning, and welcome in to
w d i A The Bev Johnson Show.

Speaker 2 (01:53):
I'm Bev.

Speaker 1 (01:54):
It is indeed a pleasure I have you with us
once again on this Tuesday, sat Cheerer thirtieth last day
inceptive y'all twenty twenty five. Enjoy this fabulous day to day.
Get ready to put your ears on because my sister
friend is back in the house.

Speaker 2 (02:14):
We will be talking with Attorney Ursula Woods from preferred
title A. S.

Speaker 1 (02:19):
Grove the Bankruptcy Firm nine oh one correct dot com.
We'll be here to answer all your questions and we'll
get that famous soap box.

Speaker 2 (02:31):
When it's your turn to top you know you can.

Speaker 1 (02:34):
All you need to do is dial these numbers nine
zero one, five, three five nine three four two eight
hundred five zero three nine three four two eight three
three five three five nine three four.

Speaker 2 (02:54):
Two will get you in to us.

Speaker 1 (02:56):
Can't call have a question, email me Bev Johnson at
iHeartMedia dot com. Bev Johnson at iHeartMedia dot Com. I'll
get your questions to Attorney Ursula Woods.

Speaker 2 (03:15):
And if this day.

Speaker 1 (03:18):
This I'd like to say this Hereday, Tuesday Exceptember thirtieth,
twenty twenty five, is your birthday.

Speaker 2 (03:27):
Happy birthday to each and every.

Speaker 1 (03:29):
One of y'all out there who may be celebrating a
birthday on this day.

Speaker 4 (03:34):
You know it.

Speaker 1 (03:35):
Go out and celebrate, Honey, you better celebrate your life.

Speaker 2 (03:39):
You better, you better.

Speaker 1 (03:43):
When we come back, we'll talk to Attorney Ursula Woods
and me Bev Johnson next right here on the Heart
and Soul of Memphis, doub d I A.

Speaker 5 (04:04):
M hm.

Speaker 1 (04:45):
And good morning, and welcome back to w D I
A the Heart and Soul of Memphis. Hope you're doing
well on this beautiful fall it's fall, your full day.
It's a beautiful day in Memphis, Tennessee. And back in
the saddle, as I like to say, my sister friend,
Attorney Ursula Woods, good morning, sister.

Speaker 2 (05:14):
Right microphone, Good morning, sister, how you doing today? I
am doing well. I'm doing well. Glad to be in
the land of the living. Hey, in our right mind,
come on, sister, in our right come on, sister. That
is a blessing. It is a blessing, as.

Speaker 1 (05:33):
Always a blessing to have you with us today. But
before we get started on your topic, you know what
we do. We always got to get that famous soap box, all.

Speaker 6 (05:45):
Right, the famous soapbox. Today today, our entire show is
gonna be like a soapbox. Okay, okay, We're gonna come
from a place of building the life that we desire.
The advice that you going to get today when it
comes to being responsible fiscally and doing the things that

(06:06):
we need to do in order to build the life
that we desire, it's going to be it's gonna this
particular advice is going to be a little different from
what you've seen and heard of in the past, So
I hope you all can catch hold today. So one
of the first We're going to talk about several things today,
but the entire theme is going to be around building
the life of your dream. And like I said, this

(06:28):
advice is just probably not something that you have heard
and definitely something that you may not be ready for.
But I want you all to get ready. Okay, all right,
So here's the deal.

Speaker 2 (06:39):
Number one.

Speaker 6 (06:39):
I want us to start thinking in terms of what
can you do to be a better citizen in this community?
Right because right now, if you're looking at the news,
if you're looking at the world, it is a devastating
place that we can anticipate to be able to live in.
So in order to turn that around and instead of

(07:03):
just giving up hope, right because traditionally, when we look
at a situation and we find that we are power
less than we want to just give up. I don't
want that to happen because you still have control. Okay, So,
in my opinion, one of the first things that.

Speaker 2 (07:18):
This is from me doing some research on this too.

Speaker 6 (07:21):
In my opinion, one of the first things that you
need to be real about is start questioning what you think.

Speaker 2 (07:27):
Okay, group think is real. Group think is real.

Speaker 6 (07:31):
Twenty five percent of what you see online is really
being fed to you and it's not even by a
real person. You cannot distinguish, you think you can, you
think you know the difference between a real person and
a bot. But you really don't because I get your
emails and the memes that you're sending me in clearly
their bots, and you can't even distinguish that. So I

(07:52):
am not so arrogant to think that just because I
can tell the bot from the person that sent it
to me that I am, that I am not being victimized.

Speaker 2 (08:01):
No, I too, am being victimized.

Speaker 6 (08:02):
So the first thing is to realize to sit with
the fact that twenty five percent of what you're receiving
online is not even from a real person. Therefore they
are feeding you this. So the one thing that you
want to do that we're going to unpack today to
let you know where we're going. One thing that you
can do not just about the bots, because we're going

(08:23):
somewhere with that, but the one thing that you can
do to rebuild your life is be authentic to who
you are, right, you don't take that lightly. Just don't think, oh, Ursula,
really just be myself. That's going to solve all of
the world problems. Actually it can. There's science that is
behind that. I will not unpack that today because we
have some other things to unpack. But essentially, what I

(08:46):
am trying to encourage you to do to be authentic
to who you are, and being authentic to who you
are is a process. This is not something that is
going to happen overnight. You may say, earth, I know
exactly who I am. I'm a seventy year old I
have been who I have been.

Speaker 7 (09:02):
No, you have not.

Speaker 6 (09:03):
You have just been doing the things that you have
done in the past. But that does not mean that
that is who you are today. You should challenge it.
Right I was talking to a friend recently and she
was making a major life decision, a major life decision,
and I began to ask her why, you know, why
was that the solution? And I was very clear not

(09:23):
to challenge you. I'm not asking you why you are
making your decision because I'm challenging. I'm asking why so
that I can understand your logic and you making the decision,
and also to make sure that the decision that you're making,
the choice that you're choosing, is in line with the

(09:44):
goal that you are trying to meet.

Speaker 2 (09:47):
Right. So, you say, just deal with money, okay.

Speaker 6 (09:52):
And the reason why I want to point in money
because money is one of those goals that's easily quantifiable, Right,
You can you know? Some say at work, they'll say,
I want you all to be ten percent better. What
does ten percent better mean?

Speaker 8 (10:06):
Right?

Speaker 1 (10:06):
Like?

Speaker 6 (10:06):
Does that mean that I'm answering the phone calls more?
Does that mean that I'm answering all emails timely? What
does that ten percent mean?

Speaker 5 (10:14):
Right?

Speaker 2 (10:14):
Nobody knows.

Speaker 6 (10:16):
But if you tell me that you can make ten
percent more than what you're making right now, we can
quantify that. So if I'm making five hundred dollars a week,
ten percent more will be fifty bucks. So that means
that you're going to increase my salary to five point
fifty versus five hundred. I can quantify that. So most
people have goals that are based upon money. But really

(10:38):
and truly, the reason why you make your goal the
money is because it's easily quantifiable. You assume that if
I go from making five hundred dollars a week to
five fifty, that extra bump will bring me happiness and joy.
Or you think that once I reach my goal of
becoming a business owner, I'm a boss. I will be

(10:59):
able to post like I'm a boss. I will be
able to have the car, I'll be able to have
the Mercedes G Wagon truck. I'll be able to have
my burken bag, I will be able to have my
Givanchet shoes, whatever these things that you want to my fellows.
You may say, I can finally buy the most expensive
cigar because all the guys are going to give me

(11:20):
what respect when I walk in or once I make it,
then I can get this bad girl I want to tend.
I want the Instagram model and then I will get
the respect that I desire from the men. Or when
I get into the gym, I'm going to exercise and
build up my muscles for what the respect of other men.
You think that when you reach that goal, that actual

(11:43):
goal that you have, being more money, better physique, the
type of items that you desire to have, that that's
when you are successful and that's when your joy and
your happiness is going to come.

Speaker 2 (11:55):
But that's not guaranteed, right, That is not.

Speaker 6 (11:59):
Guarante because if you take away, you're assuming that when
you become a boss and you'll be happy because you'll
be able to make the money.

Speaker 2 (12:06):
The money is a goal. Well, what you're not factoring
is in is the fact that it takes time to
make money.

Speaker 6 (12:13):
It takes perseverance. You have to be try harder than
you have ever tried before. You have to have a
spirit of discernment to be able to tell whether you
have a good deal that's coming to you and whether
it's bad. You have no idea what that's going to
do to you internally to have that many people that
are quote unquote haters, people who you thought were in
your corner. So while you're pursuing the money, you're also

(12:36):
having to battle all of these naysayers and the people
who are trying not to get you to make the money.
So when you make goal, when you make money your goal,
you have to also bake in what it takes to
get the money. That way, you can then decide is
this really a goal that's for you. You understand what
I'm saying, So let's unpack it.

Speaker 2 (12:57):
A little bit more. Being a thing to who you
are cuts out the middleman. Get it.

Speaker 6 (13:04):
So, you want the goal to be to make more money,
but really what the goal is to have more peace,
to have more joy, to have more freedom freedom of what,
freedom of your time, freedom of the headache of people
telling you what to do and you're not being able
to do what you desire to do. And then also
the freedom of the pressure. You want freedom of the pressure.

(13:27):
So while you're saying that you want more money, you
have to look at really and truly if your goal
is to have time freedom, if your goal is to
have freedom of what choices that you decide to make
in a day, if your goal is to have more love,
are you really going after that goal or are you

(13:47):
going after a thing? And you can cut out pursuing
the thing and go straight for the goal. So, for example,
if you know you want to make more money so
that you can have more time freedom, you can just
go directly. Your goal can simply be for time freedom. Okay,
so what does time freedom look like for you? Maybe
not working as much over time. So then what does

(14:09):
that mean financially? That means that you have to cut
back right because what you really want is time freedom.
You don't really want more stuff right now, right now?
Today it was Today is today's September.

Speaker 1 (14:22):
What the last day of September is? Today is September thirtieth.
Today is the last day of September. This is the
last day of September. As of today. I need to
go in my closet and purge clothes. Right, but at
the same token I went in and bought closed today, right,
So how do I have a need to purge? But

(14:43):
I'm also buying extra clothes, right, So let's unpack that.
So when we're talking about being authentic to who you are,
that is one at the foundation of building a great
life is being authentic to who you are. So one
thing that I noticed is my style of dress has changed.
It has just changed. I like to layer pieces more.

(15:03):
I like more creativity in my fashion. Now I'm really
not leaning more towards sets. I still wear sets.

Speaker 6 (15:09):
Please trust no and believe I'm going to wear sets,
but I'm just saying for my personal choice, I really
like to layer more and put more thought process in
what I'm wearing.

Speaker 2 (15:17):
So what did I do?

Speaker 6 (15:18):
I go to TJ Max. Can I afford to go
to sas Fifth Avenue.

Speaker 2 (15:21):
No, I'm on a budget.

Speaker 6 (15:23):
So I go to TJ Max and I buy pieces
that I can layer in, things that will work for me.
Why Because I am now trying to be authentic to
who I am, even when it comes to my attire,
while also being authentic to my budget and buying things
that are budget friendly. So that's what I mean by
being authentic to who you are will be the key

(15:43):
to building a life that you want. But I want
you to know that building an authentic life is a process.
It is not a destination. Because even if you align
your life exactly with the way everything should be in
this moment, because of what you desire. You love the
color green, you love peace and quiet, You want things

(16:04):
to be clean, and you don't want anything on your countertops.
Even if you set up your life exactly to where
you are the way that you want it, in order
to be happy, you have to realize that you are
a person who is constantly shifting and changing. You are
not a tree that's planted and that will not move.
So you also have to give yourself grace in this
process of being authentic to who you are and realize

(16:27):
that things can shift and change. So, with all of
that said, the sweet spot, the sweet reward in life,
really comes from you honoring yourself. And what does honoring
yourself look like? That means that if you're sitting amongst
people and they are being disrespectful to you, it does
not sit well with your soul. That you get up

(16:48):
from that table and that you leave. What that means
is you can politely excuse yourself.

Speaker 2 (16:56):
Okay.

Speaker 6 (16:57):
If you're sitting at a table of individuals and a
disrest respect is there and there is no one to
take up for you, that is not the table for you.
You mean to tell me that all of that that
was said, not one person defended you. That is not
the table that you should be sitting at. And so
you have to honor yourself. The longer you sit amongst
friends who are not really friends, but these are actually frenemies,

(17:20):
people who pretend to be your friends, but they take
shots at you that make you feel worse than you
were with them, It's now time for you to look
at yourself and ask yourself, not when are they gonna
be my friend?

Speaker 2 (17:31):
Not when are they gonna treat me better?

Speaker 6 (17:33):
But it's time for you to look at the man
in the mirror, the woman in the mirror, and ask yourself,
how much of this are you really going to tolerate
before you get up from that table and go start
building the life that you desire, what people who respect
and love you, Because you can't keep looking at this
deady in person is deady in wall now also mean
even a job, okay, and do not just look do

(17:57):
not just walk away from your job. Do not do not,
do not, I repeat, do not just walk away from
your job. But if you know that you're in an
environment and they do not value you, you know that
you're in an you are in an work environment in
which they do not value you. It is now time
for you to YouTube dial a friend, ask someone how

(18:17):
do I speak eloquently about what I need at work
and how much I am worth? And then how am
I going to outline what I'm going to be able
to do at work at my best stability. How can
I take that to my employer, or my supervisor or
my manager so that they can hear me. Once you've
educated yourself, Once you have educated yourself on how to

(18:37):
effectively communicate what you expect and what you can give,
and you take that back to another human and they
reject that, and not only do they reject it, but
they disrespect you in that process. That is a key
indicator that it is now time for you to find
another job. It is now time for you to go
for the goal of what you really want, which is time, freedom, love, respect, connection,

(19:02):
doing a job that is meaningful. That is all what
the statistics show us. That is everything with science is
telling us right now is that people do want community.
People do want meaningful job. They do want to feel
that they're being impactful in the community in which we
leave live. And if that is the case, and if
that is a goal of yours, and you need to

(19:24):
make sure that what you're doing is in line with that,
and if it is not, you have to effectively communicate
that to your supervisor. And if they can grant that,
it is now time for you to make some decisions
to do something differently. Staying in a place in which
you are not being respected in love tears you down.
Your stress level rises in the form of what we

(19:44):
call cortisol. That cortisol begins to break down and wear
down your arteries inside of your heart. And that's the
reason why some people say, oh, she died of a
broken heart, because they see the wear and tear that
is on your body. And this is something that people
really don't talk about a lot. They also see the
wear and tear on your face. They see the worry

(20:06):
on your face. I've had friends who have been going
through a lot and then other friends around.

Speaker 2 (20:12):
Us asking me, Hey, is this person on drugs? I'm serious?

Speaker 6 (20:16):
Are they going through and something as deep as a
meth drug addict or a fentanyl drug addict. That is
how bad they think that this person is off, when
really it is just nothing more than worry and stress.
Worry and can stress can kill you just as quick
as a drug addict is being killed due to the
toxins that they're putting in their body. That stress that

(20:38):
you're enduring by listening to the naysayers and by sitting
at tables in which you're unwanted, is actually breaking you
down and killing you. And it's also lessening your fight
because that dream that is inside of you requires for
you to go beyond, for you to go beyond what
you have done.

Speaker 2 (20:58):
In the past.

Speaker 6 (20:59):
That desire that is dropped, that seed that has been
dropped inside of you, that hope that lives inside of you,
requires a bigger level of discipline, a higher level of focus.
And we can't get there if you're being inauthentic to
who you are, because your energy is now being distracted
and recalibrated in an area that it does not belong.

(21:22):
The Bible even tell us do not cast your pearls
amongst wine. So what that means is why are you
giving your best to somebody who is giving you their least?
Why why are you remaining friends with people who are
dead set on using you and telling you that They
are telling you I don't want to be your friend

(21:43):
because you did not give me an opportunity, And they're
not questioning themselves whether they ever extended an opportunity to you.
They are mad at you for not reposting them when
they have never reposted you. But yet instead of questioning
yourself to say and say, why do I even care
about what somebody thinks when they are not even being

(22:05):
a friend to me, You're simply acquiescing. You're simply trying
to be a better friend. You're simply giving more. And
in your defense, the reason why you're giving more is
because you're expecting reciprocity. You're expecting for someone to give
you what you've given them because you've given so much.

(22:26):
But that's not the way life works. You don't give
so much of yourself in hopes that someone is going
to give you that back in return. You give because
it is time for you to give, and it is
on your heart to give. But your blessing would come
from a different direction. But do not give more than
what you are comfortable with giving, because once you break yourself,

(22:48):
it is very difficult to recover.

Speaker 2 (22:50):
And to come back from that.

Speaker 6 (22:52):
Therefore, when you're giving, make sure that if you're in
a friendship or a relationship, that what you're giving is
being reciprocated and returned, or are you giving as a
gratuitous act, meaning that this is charity what I'm doing.
But if we're within a friendship or a work relationship,
this is not a gratuitous act. This is an actual
relationship in which reciprocity should not only be respected, but

(23:15):
it also should be expected and the lack of reciproperty
reciprocity should not be tolerated. So what I'm saying is
when we're being authentic to who we are, it is
a process the sweet spot. The reward comes from you
honoring yourself, but it also comes from you recognize and
when you are not in alignment with those that are

(23:35):
around you, because that is also a matter of being
authentic to who you are, and that's surrounding yourself with
like minded individuals. If you want to look at where
you will be. This is very corny to say, but
it is very true. If you want to know where
you will be in the next five years. Look at
your friends. Okay, look at your friends. Look to see

(23:56):
what they are doing. You two will be doing some
of those same things. Even even if you think I'm
bigger than that, I'm stronger than that. No, because that
is what's feeding you. So when you're saying, hey man,
I'm you know, really thinking about taking a step back,
you know, saving a lot more, I'm not going to
be able to travel, you know, so leave me out
the room text messages because I'm going to be on

(24:17):
a financial diet for the next six months.

Speaker 2 (24:20):
I'm trying to save money.

Speaker 6 (24:21):
But then if that person is pushing those boundaries and saying,
hey man, you know, let's go out. Let's go to
Capitol Grille. I know, to drink some fifteen dollars a pop.
But you got it, you can do it. No, that's
not being a friend. They are breaching your boundary. So
then you have to remind them, hey man, I told
you I'm on a financial budget. And if they continue
to breach past that and then become disrespectful, amen, hey dog,

(24:42):
you got it like that?

Speaker 2 (24:43):
What's going on with you? You broke broke?

Speaker 6 (24:45):
No, that's not a friend, that's not the person that
you can be alignment with in this season. So now
it's time for you to take a step back. So
that's the reason why I want you to get a
handle on what it is that you need and what
you want. So how do you find out? You say
you're saying one of the first steps to building a
life that you want is being authentic to who you are? Well,

(25:06):
then how do I even figure out what it is
I want? By asking why? By asking the question why?
Why is it that you're making a decision that you're making.
Why is it that I'm deciding to change my wardrobe? Well,
because I want my outside to look like my inside.
Well why is that important to you?

Speaker 2 (25:27):
Well?

Speaker 6 (25:27):
Because it does make me feel good and it leans
me towards my joy of deep contentment. Deep contentment is
what I really think the sweet spot of life. That's
my own that's my own belief. Deep contentment, I think
is a sweet spot of life. So if that's the case,
then how do I do that. I make sure that
my our image matches my inner image.

Speaker 2 (25:46):
What is on the inside?

Speaker 6 (25:48):
What peace, love, joy, community, giving back, that is what's
on the inside. So I don't want my attire to
look like rage and crazy. Right, I've talked about it before.
I have friends who say, why don't you wear a
tighter clothes and why don't you wear it sexier clothes,
which I do when I go out on date night
and things like that. But for the most part, I
dress very conservatively.

Speaker 2 (26:09):
Well.

Speaker 6 (26:10):
I honor that because that's where I am, and I
don't dishonor you for dressing a way that you desire.
So I think that at some point we have to
be authentic to who we are, independent, independent of another
person's opinion.

Speaker 2 (26:23):
So when we're talking about building a.

Speaker 6 (26:25):
Life that we desire, and I do, I chose the
word build a life that you desire because it is
exactly that.

Speaker 2 (26:33):
It is exactly that in order to.

Speaker 6 (26:35):
Have the life of your dreams, you have to build
that life, and that the foundation of building a life
that you desire to have is being authentic to who
you are. And being authentic to who you are is
not a destination, it's a process. And a sweet spot
is honoring yourself, and how you do that is asking yourself,

(26:56):
why why are you making the decisions that you're making? Oh,
you want divorce, You're tired of her. She nags all
the time. Oh you want a dime, you want a
girl that you see on the Instagram?

Speaker 9 (27:07):
Why?

Speaker 2 (27:09):
Why Oh? Because you want respect? Why oh? Because you
never had respect?

Speaker 6 (27:15):
Why oh because your dad was never around to give
your respect and your mom was too busy working. Why
oh because she this is the only choice that she had.
So really, when you look at it, the reason why
you want the things is to fix something from your childhood.
We don't need the things to do that. We just

(27:35):
need a quiet conversation with ourselves. We just need a
conversation with God to do that. You need a conversation
with a higher being to find out why is it
that you're lost? Why is it that you're chasing you know,
the biggest diamond ring, the g Wagon, the twenty twenty six,
the latest may back that they have coming out. Why
are you chasing those things? You need to ask yourself why,

(27:58):
And as soon as you get to the end answer that,
the sooner you can get to living out your authentic life.
And next we're gonna talk about how that ties into
being debt free.

Speaker 2 (28:08):
Well, I like that you're thinking what you're thinking so far.

Speaker 1 (28:10):
Today You're on a roll. This morning, I like as
you said, as the soapbox goes into the topic, because
you want to do bankruptcy.

Speaker 8 (28:18):
I love it.

Speaker 7 (28:18):
I love it.

Speaker 6 (28:19):
I'll talk about bankruptcy today inside of becoming debt free
and building the life of your dreams.

Speaker 2 (28:24):
I know, I love it. I love it, sister.

Speaker 1 (28:26):
All right, we are talking with Attorney Ursula Woods this day.
She's focusing on bankruptcy. If there's something you need to know,
We're gonna give you the telephone numbers to call if
you have a question nine zero one five three five nine,
the three four two eight hundred five zero three nine

(28:47):
three four to two eight three three five three five
nine the three four to two. If you can't call,
you have a question about bankruptcy, and I'm sure Attorney
Ursula will answer in other question that you may have today,
email me Bev Johnson at.

Speaker 2 (29:05):
iHeartMedia dot com.

Speaker 1 (29:07):
You're listening to the Bev Johnson Show with Attorney Ursula
Woods right here on.

Speaker 2 (29:13):
W d i A.

Speaker 9 (29:17):
Don't go away. The Bev Johnson Show returns after these messages.

Speaker 2 (29:21):
The Bev Johnson Show over the Working Hard to bring

(30:07):
You out day.

Speaker 10 (30:09):
Never say.

Speaker 1 (30:31):
Good morning and welcome back to w d i A.
We are talking with Attorney Ursula Woods. We're talking bankruptcy today.
And this is so important because Attorney Ursula, you said,
you know, getting your life back in order, and a
lot of times we know that finances mess up a
lot of things, marriages, people, all kinds of things. And

(30:55):
so as you have always said on this show, is
it is not nothing to be ashamed of if you
have to file bank ruptsy.

Speaker 2 (31:08):
That's right.

Speaker 6 (31:08):
So I think that the season that we're in now,
we have to really be conscious that we always want
the best for ourselves.

Speaker 2 (31:18):
We want the best for our loved ones.

Speaker 6 (31:20):
We want the best clothes, we want the best shoes,
we want the best out fits, we want the latest handbag.
We have all of these desires of things that we want,
and when we can't get them, we tend to be ashamed, right,
We tend to really be ashamed and we can't either
eight provide it to those that we love or either

(31:40):
beg able to get it for ourselves. But I want
to free you from that, like I really want to everybody.
If my goal, if I could set a goal or
intent for this show today, it would really be to
be able to free our listeners from that obligation of
trying to go after theme instead of the real goal

(32:02):
of what their heart desires. Right, so we get into
debt oftentimes. Well, to be honest with you, the number one.

Speaker 2 (32:08):
Let's back up, Yeah, how do we get a bit.

Speaker 6 (32:12):
The number one reason for filing a bankruptcy is really
because of medical bills. It's because of medical bills and
having to take care of loved ones or having to
take care of themselves, and then they had to either
take off work or they had to expend money in
order to get healthier. That's really the number one reason
for filing bankruptcy. But other than that, the number two reason,

(32:36):
which of course we all know, is because of overspending
and not as a result of just making poor decisions.
But sometimes it's as a result of life circumstances. You
had a job, you worked at a warehouse. Things were great,
you were making overtime, you averaged about sixty thousand a year,
and then as a result of having to as a

(32:56):
result of working overtime and making that level of money,
at the end of the day, what you're finding out
is they now have taken your hours away from you,
but you have adjusted your lifestyle for to make a
certain amount of money and then now that they have
taken the hours away from you, Now, what are you
going to do about your bills? Because you've purchased your
car based upon the overtime that you were making. You

(33:19):
purchase your apartment based upon the amount of money you
were making knowing that the season was just really good.
So at this stage in your life, you're trying to
figure out how do you recalibrate. So then bankruptcy is
an option. But before we get to bankruptcy being an option,
I really want to encourage you to start building the
life that you desire. Build the life that you want

(33:39):
in life. And so we are live now on Instagram.
If you all want to see what's going on in
the studio, definitely go to Bankruptcy Law Firm on Instagram
and you'll be able to see us live. And so
thank you to Mike McGee who is taking a look
at us. And so I'm glad that you're getting back
in your car. So glad thanks for tuning in.

Speaker 2 (33:59):
But back to the point.

Speaker 6 (34:00):
So when you're talking about building the life that you want,
you have to remember one thing, which is it has
to be built. And in order to build it. I
chose that word intentionally. In order to build it, you
have to be authentic to who you are, and that
is a process. And so the way that you get
to the point of being authentic to who you are
is about challenging your why. Why do you want to

(34:20):
be wealthy? Why do you want to own one hundred
rental properties? Why do you want a wedding that costs
two hundred and fifty thousand dollars? Why do you have
to have a burkeing bag? Why must you have a
g wagon? Because when you challenge your why even down
to divorce, Why do you really want to divorce? Why
do you want to break up break up with him

(34:41):
or her? Why is it because you feel like you
can get better? Is it because you think that you're
better than them? Is it because you feel as though
this is not God's highest and best for you? Is
it because really and truly you want an open marriage,
but not really open. You really don't want to be married.
You really just are getting married because it looks good
to be married. I know someone who literally told me,

(35:03):
ooh girl, you better hurry up and get married before
people question, before quick people question what.

Speaker 2 (35:08):
Why I'm not married?

Speaker 6 (35:10):
That's insane. I'm not married because I don't want to
be married. I'm not married because I think that when
you get married, that's decision needs to be taken seriously
and you need to do so knowing that you're not
going to divorce, versus other people feel as though what's
wrong with having three, four, five, six divorces?

Speaker 2 (35:28):
Life does happen.

Speaker 6 (35:29):
But if I can intentionally go into a situation making
a very conscious decision that's aligned with my principles, then
That's what I'm going to do. And So when it
comes down to let's say, being debt free or analyzing
your finances, how does being authentic to who I am
measure into that? Will let me share with you the
way that it does, Because when you're looking at bankruptcy

(35:53):
and when you're looking at being authentic to who you are,
you may not see the connection, but I do, right,
because being authentic to who you are means asking what
is it that your heart truly desires?

Speaker 2 (36:05):
You want to make more money? Why?

Speaker 6 (36:08):
Because you want time freedom? Will find out what it
takes to have time freedom. Does that mean that I'm
going to cut back on my hours? Does that mean
that I am going to give more in any given situation,
so then that way can free up my time for later.

Speaker 2 (36:22):
Does that really make sense?

Speaker 6 (36:25):
Does that mean that I remove myself from being able
to help out on every weekend and cut that back
to once a week. Because you have to decide why
am I volunteering? Am I volunteering because I want to
give back? Or am I volunteering so that I look
good in front of my friends? You need to ask
yourself that. And if you do want to look good
in front of your friends by volunteering, ask yourself why

(36:49):
do you want to look good? What is the return
on your vestment? What is the ROI? If I do
this thing, then what am I going to get from it?
And if I get that from it, will I actually
be happy? Begin to ask yourself. Regain control of the
space in which you have time to think about the

(37:10):
decisions that you are making, with time out for watching
something online and just simply acting on it. So many
people are calling, Oh, I need a trust, I want
to trust. A trust is the way to go. You
don't even know what a trust is. The person who
explained it didn't even break it down, let alone tell

(37:31):
you why a trust is important.

Speaker 2 (37:33):
But you know that you want one.

Speaker 6 (37:35):
Begin to challenge yourself as to why are you even
listening to another talking head with an Amazon microphone tell
you that you need a trust and they're not even
a professional. Ask yourself, why are you going to some
of the professionals that you are going to.

Speaker 2 (37:52):
You say that you believe that you.

Speaker 6 (37:54):
Know diversity and DEI is at the top priority because
you are an African American, Yet you tend to use
professionals who lack all diversity that you have ever seen
in your life. Many of you who are listening to
the sound of my voice live in Memphis, Tennessee, which
is fifty one percent, if not more, of having African
Americans in this city. And yet you use companies and

(38:17):
you shop at stores that have no Black people who
work there, not a one. You go to restaurants in
which they hire managers, servers, cooks, the clean up crew,
the hostess, all of them are non African Americans. Yet
you live in a city in which fifty one percent
of the people are African American. You should challenge that

(38:39):
to yourself. Why are you supporting a company that could
not find one black person, not to answer the phone,
not to sweep the floor not to serve you. You
choose attorneys who not only disrespect you, but they don't
even have anybody in their firm that look like you.
But yet you believe in DEI you need to start
challenging what you energy you're putting out and what energy

(39:03):
that is being received and reciprocated. There are a lot
of law firms that have African Americans as presidents as
well as this I was looking at, as well as
that work there. I was looking at one. I don't
want to say the name, but it could because I
can't remember it.

Speaker 2 (39:18):
That's to be honest with you.

Speaker 6 (39:20):
But I was looking up the attorney because I need
to call someone. I found out that they had a
lot of African Americans. I was quite impressed. I was
impressed that a majority owned, large law firm had quite
a few. I mean, the diversity was there, and they
are still hiring. These aren't old hires, they have current hires.
So these are the type of things that you want

(39:41):
to align yourself with and support those that are aligned
with what your beliefs are. That's how we build the
life that we want by being authentic to who we
are and the choices that we make so finances. So
when you're talking about spending, you need to start asking
yourself why are you spending? Why are you spending this money?

(40:01):
What is it that you're buying? What is going to
be your return on investment? Because if it is not
going to meet your goal of time, freedom, community, doing
fulfilling job, not doing fulfilling work, you need to figure
out is this something that you need to be buying? Also,
now is the time to fund bankruptcy?

Speaker 2 (40:18):
Life?

Speaker 6 (40:19):
Are we are at a cusp right now in which
we know that the prices are going up, Insurance rates
are going astronomical start in January. So then what are
you going to do now to get your finances in
order to be able to afford basic medical care? So,
if you're looking at bankruptcy, now, it's time to file
because you want to eliminate all of your debt to

(40:42):
better position you to be able to pay for the essentials.
What are the essentials? Gas, food, utilities. If you're in Memphis.
One of the things that we've been experiencing is power outage.

Speaker 1 (40:55):
It's power out I know last night I had one
go or this big boom uh uh, and then all
the lights went out and then it had another big
boom huh.

Speaker 2 (41:05):
But then like you said, but then finally it came
back on. Right.

Speaker 6 (41:08):
Oh, I'm going like right, So you never know when
that's going to happen, when that's going to happen. And
because we have all of that uncertainty, then the question
is what are we going to do about our finances?
Because finances does give us a lot of freedom, right,
So filing bankruptcy allows you to eliminate all of your
debt and then you can focus on what's important to you.

Speaker 2 (41:31):
So how do you do that?

Speaker 6 (41:32):
You can call up here if you have any questions
nine zero one, five three five ninety three forty two,
or you can give us a call at the Bankruptcy
Law Firm nine zero one, five four to one help
five four to one, four three five seven, so we
can do a deep dive into your situation.

Speaker 1 (41:48):
Yes, you know, I think Attorney Ursula, when we hear bankruptcy,
people think it's scary. Not yet, it's scary that I
don't want to be known as bankruptcy. I I won't
have any more money.

Speaker 2 (42:00):
I think a lot of people think that, but that's
not the case.

Speaker 1 (42:03):
Just because you file bankruptcy talk about because people think, well, okay,
they take all my money, I got to pay this,
so I won't be able to do this or that again.
And I think a lot of people are afraid of that.
That's why they don't file. And they probably need to
file right.

Speaker 2 (42:21):
And they should.

Speaker 6 (42:21):
So what you're talking about is shame. Yeah, what you're
talking about is confusion. What you're talking about right now
is fear, right, and so we don't want to make
decisions from a place of shame, confusion, and fear. So
let's unpack that right now. So, if you are having
too many bills, you're having financial struggles, you know that

(42:42):
you need to take care of your essentials in life.
Bankruptcy is an option. Bankruptcy under a Chapter seven you
can wipe out all of your debt and you can
rebuild your life and start over from this point. You
can literally build and start from this point moving forward. Well,
you may say, well the hindrance that is a shame.
I don't want people judging me for my decision. Everybody

(43:04):
is going to know, No, everyone is not going to know.
Is it public information? Any court case is public information?
But please trust on and believe most of our citizens
do not even read the publications in which where they
are published. Some do, but most don't, and even if
they do. Shame is not something someone can put off

(43:24):
on you. Shame is only something that you can struggle
with from within. I cannot make you feel a shame.
The shame that you feel is from inside of you.
So how do you be shame and how do you
be from feeling a shame and still make the decisions
that you're going to make with the understanding that you
know you are going to have a feeling. That does

(43:47):
not mean that that feeling that you're experiencing is shame.

Speaker 2 (43:51):
Get it.

Speaker 6 (43:52):
Just because on the inside of you, it is a
feeling that you are experiencing and that feeling does not
feel good does not mean that that feeling is actual shame.
It could be another feeling that you are experiencing that
you are labeling its shame.

Speaker 2 (44:08):
It may not be shame.

Speaker 6 (44:09):
It could just be the pain from deciding that are
finally realizing you have to let go of the dream,
the dream that you're gonna have this g wagon, the
dream that you're gonna have this big, five bedroom house
that is on the lake with the mountains that are
in the back. But your dream may not be completely denied.
The dream just may be deferred. The dream just may

(44:31):
be delayed. We continue to pray and ask God for
the blessings that our heart desire, because it may take
a decade for him to answer that prayer.

Speaker 2 (44:39):
It may take three years.

Speaker 6 (44:41):
My boyfriend and I have been believing God for a
certain thing, and he got it.

Speaker 2 (44:44):
But you know how long it took for him to
get it. Three years, three long years. You may think
three years is not that bad.

Speaker 6 (44:51):
That was a pretty tough three years, but he ended
up getting a double hitter. He ended up realizing two
of his dreams. But the point is about the shame
comes to shame. Only people can put that on you,
So don't allow that to happen. Remain faithful and prayer
for what it is that you desire, and understand that
you're gonna have to make hard decisions in order to
reach your goal. But don't allow someone's shame to penetrate you.

(45:15):
Who you are to your core. What they're judging is
what they see on the outside. What your judging is
the level of work that it took for you to
even call let alone, become debt free. Dave Ramsey who
is on the radio telling us all about the envelope method,
telling us all about how to do the method of

(45:38):
paying off the smallest bill and then roll it over
to the next bill until you get to the biggest bill.
You know how Dave Ramsey became debt free at the
onset and he's talked about this publicly. It's bankruptcy. So
don't allow the shame and the weight and the pressure,
even from Dave Ramsey to tell you, hey, become debt

(45:59):
free by paying off file your dead and making sure
you use the snowball effect and it's very effective. Well,
it's not effective if I don't have enough money to
make one little snowball, let alone a big, colossal snowball
to pay out this debt. Right, So then bankruptcy sometimes
is the only option that you are left with if
you want to be able to survive. So let's look

(46:21):
at our goal, which is time freedom, which is peace
of mind, which is being able to rest at night,
which is being able to walk in that park to
at least explore shelby farms. You can't even see the
beauty of the birds, because all you can see is
the torture of the bills.

Speaker 2 (46:38):
Right, let's go to our phone line.

Speaker 1 (46:40):
Let's let's see what I love it talking about going
to our phone lines to talk with you, Wdia high caller.

Speaker 7 (46:49):
I am the most erudite, mind, brilliant thinker and political philosopher.
Get out tonoon, ladies, how you're doing today?

Speaker 8 (46:57):
Hey?

Speaker 2 (46:57):
Black conservative power you all right?

Speaker 7 (47:00):
You know, I just first of all, I want to
say that, uh, these way we do need to get married.
That's the best thing for them to get married and
raise the family, take care of their home. So I
will that they get married the young woman. That's that's
at least that's what the apostle Paul said. He willed
that the young woman get married, take care of home,
and do things like that. So but let me move

(47:23):
on to my next part. Don't stay don't they sing?
Don't stay singing too long? Well, so I had an
issue where transmission went out at my vehicle. It was
still under warranty, and uh the car took it to
the dealership, the original dealership where I bought it from.

(47:44):
So they set everything up. So anyway, what long story show,
what ended up happening was they approved, they went head
on and uh order the parts and fixed repair of
my transmission, put a new transmission in my vehicle before
they got the foundal optimization approval from my insurance company
who was the vehicle that the vehicle that was covered

(48:07):
under under they got their approval, so they they did
thirty two hundred dollars worth of repair. My insurance company
declined to pay because the dealership repaired the vehicle before
final optimization from them. So now I'm in a dilemma.

(48:31):
Insurance company that don't want to don't want to pay
because the dealership when did the work before he got
their approval. I had to call it. I had to
get an attorney. My attorney involved. I called severe attorney offices.
There were black attorney offices white. I was just you know,
calling different yeah, asking different questions. At that point in time,

(48:56):
thee I B I didn't. I didn't have time for
all of that. I just wanted somebody and to get
hold to an attorney who can get my car, release,
get my keys, and so I can go because I
wasn't paying the thirty two hundred dollars when I'm cover
under insurance for coverage. So in that case, d I

(49:19):
wouldn't help me or anything. I don't. I don't care
if the person working in the office was was mother Teresa.
At that point I needed my callback. So my my
hearing crime here is that it doesn't matter whether the
attorney white or black, it's whether or not they can
handle the case. What happened he called? He said, okay,

(49:42):
I'm gonna take your case.

Speaker 5 (49:44):
I got an.

Speaker 7 (49:44):
Attorney he called Nashville and then coming back the next day,
he said, come get your keys to your car. I said, huh,
thank you.

Speaker 2 (49:55):
So, so what's the point in black conservative? What do
you try.

Speaker 7 (50:00):
Experience attorney who can hell it a case no matter what?

Speaker 2 (50:04):
D ui thank you for sharing.

Speaker 7 (50:07):
If they can't get the job done, no matter what
in black or white?

Speaker 2 (50:10):
All right, thank you, thank you, black and sirt. I
have a great day.

Speaker 1 (50:14):
I don't know anyway, I turn area. So before you
go on, let me get so see if you help
this person.

Speaker 2 (50:20):
Tony wants to know. She says, good morning, attorney Ears.

Speaker 1 (50:22):
Please accept my apology for asking this off subject question,
but I'm trying to help a friend. My friend's mom
ninety three plus is hospitalized with terminal cancer. She is medicated,
but also coherent and verbal. However, her motor skills are
not good. She cannot hold a pen to sign her name.

(50:47):
They the mother and three children, want to execute a
quick quick claim D to add the three children to
the home no mortgage in value less than one hundred
thousand dollars. Can her wishes be video recorded in the
presence of a notary in lieu of signing initializing on

(51:07):
the paper document? If not, is there any other way
to legally accomplish this?

Speaker 2 (51:13):
Thank you tony. So what do they say about the
mental condition of the person?

Speaker 1 (51:18):
She says she's medicated but also coherent and verbal. Her
motor skills are not good. She cannot hold a pen
to sign her.

Speaker 6 (51:28):
Name, right, she can if she's still coherent and she
just has motor skills issues. She can give us a
call at the offense.

Speaker 1 (51:36):
Yeah, because they wanted because they I guess they want
to do a quick claim D to add the three children.

Speaker 6 (51:42):
Yeah, so they can give us a call at nine
zero one five four to one help nine zero one
five four one four three five seven. Attorney Johnson is
that we are in prayer for her mother. She's having
a procedure today, so.

Speaker 2 (51:57):
Let's be in prayer for her.

Speaker 6 (51:58):
So they can either ask for attorney Anika or either
Chastity hes R. She's a graduate of University of Mythics
law school, so they can ask for Chastity or either
Monika and then she can take care of the quick claim. D.
So being incoherent, I mean, being coherent is okay. You
know she's she's still with us mentally. Shit, yeah, she's

(52:18):
verbally she's fine. It's just that motor skills are off.
We can we have options to be able to have
them signed.

Speaker 1 (52:24):
Okay, So Tony, I will I will email you back
the number to call the law office.

Speaker 2 (52:31):
Yeah, let me get this call attorney Ursula w D
I a high caller.

Speaker 5 (52:38):
Hey, how you doing?

Speaker 2 (52:39):
I'm doing well today? How are you?

Speaker 5 (52:42):
I'm okay, hey, attorney, Hello, good morning, Titanic.

Speaker 2 (52:48):
Hey Titanic.

Speaker 5 (52:50):
It's been a minute. Black and servitor shut up forever.

Speaker 2 (52:57):
That's ever right, mind? Yeah, come on man, you listeners. Man.

Speaker 5 (53:04):
Well, look, I got a question and I have an answer.
But I got a question because we're going through this
right now. My mother in law actually just passed away
this morning.

Speaker 3 (53:12):
Oh I'm so sorry.

Speaker 5 (53:14):
Yeah yeah yeah, and my wife and her sister are
gonna be bing everything. But I had told them. I
told them for months and months to go ahead and
deal with wheel or whatever. But my mother I was said,
well they didn't get everything. They can ask me what
do you to go to the wheel? But anyway, to
make annstry short, there is a property and my mother
in law I was it out right and I was

(53:36):
telling them but we were gonna probably go ahead and
to sell up. And somebody already wanted to buy the property.
And I need to get the avenue of which way
to go or do whether need.

Speaker 10 (53:44):
To come to your office?

Speaker 5 (53:45):
Okay, then it's then my brother was law name still
all right?

Speaker 2 (53:49):
Do we know if mother in law had a will?

Speaker 5 (53:53):
Like I said, No, she didn't do one. I've been
trying to get him doing for months and she didn't
do it.

Speaker 2 (53:58):
So number one, I'm a for your loss.

Speaker 5 (54:01):
Thank you.

Speaker 6 (54:02):
When you're working with someone and this is your mother
in law, so her and her siblings they are going
to be going through you know right now.

Speaker 2 (54:11):
Yeah, so this is something you may want to unpack
with them.

Speaker 6 (54:15):
But the bottom line is when someone passed away, the
property goes through what we call intestate secession intestatee secession,
meaning that they will the property is inherited by the
next to ken, which the nex akin would be the.

Speaker 5 (54:31):
Two daughters, the two daughters, my wife and sister.

Speaker 6 (54:34):
Yeah, so that would be the two daughters, and then
the sister. That would be well, the two daughters and
a sister. It would only be her children. What do
you mean her sister?

Speaker 5 (54:43):
No, No, my wife and her sister.

Speaker 6 (54:46):
Yes, yes, that is correct. So then it would be
the wife and the sister. Those would be the one
who would inherit. So from there we would prepare affidavit
of airships in order to transfer the title into their name. Okay,
And with that I would need the obituary as well
as the death certificate. The obituary and the death certificate,

(55:08):
and then from there you will get both all of
the surviving siblings to sign off on the contract in
order to sell, and then we would disperse the proceeds
to the surviving siblings.

Speaker 2 (55:21):
Did they have make sure? Another question?

Speaker 6 (55:23):
Did they have any siblings that died before mom?

Speaker 5 (55:27):
Yeah? They had two brothers that died before.

Speaker 2 (55:29):
Mom, all right, and then did those two brothers have
any children?

Speaker 10 (55:34):
Yes?

Speaker 6 (55:34):
Okay, Well, then that house is owned by not only
the two living sisters, but the nieces and and or
nephews by the two brothers that predeceased mom. They are
also owners of that particular house if there was no will,
because they are in direct lineage of the grandmother that
passed away because their father or the mother the two brothers,

(55:59):
so their fathers were descendants of the deceased. You understand
what I'm sharing, Yes, Okay, So if they're under eighteen,
you have to go through a court process because you're
dealing with minors. If they're over eighteen, then they can't
if you have any issues with them not wanting to sign,
say for instanitute sisters like oh, yeah, you know, we're

(56:20):
sorry Lot's mom, but we want to liquidate and enjoy
our inheritance now. And then you have the siblings, I'm sorry,
the children of the two brothers who don't. We can
still move forward. We just have to file a court case.
That's where Tony A. Tourney Monika Johnson goes in and
we file a court case that will allow that to happen,
so all.

Speaker 5 (56:39):
Will not be okay, Okay, So we'll get this process
going and I'll bring them both to see you.

Speaker 6 (56:47):
Okay, all right, We'll do and we handle Tennessee and
Mississippi and we're working on in Tennessee.

Speaker 5 (56:53):
We have done a lot of it together.

Speaker 10 (56:55):
You and I have.

Speaker 5 (56:58):
Whip three houses and you guys were and didn't help
me sailing everything else.

Speaker 2 (57:02):
Okay, thank you. Well, I'm glad that you called in
and we're able to help you. Thank you very much.

Speaker 8 (57:07):
Yeah.

Speaker 5 (57:07):
Yeah, So you guys have a good day. And again
what a guy name before I shut up?

Speaker 2 (57:15):
Think about right, and you too.

Speaker 1 (57:19):
We're praying for your family Titanic app bye bye, thank
you bye bye.

Speaker 2 (57:24):
Yeah, because that's good information to know.

Speaker 1 (57:26):
And as attorney, Monika always say, y'all, we say, get
a wheel right, get a whill, get lord, don't stop
putting it off. And she always says, attorney area, so
let me let you get back. We're gonna break.

Speaker 2 (57:41):
But she always says, you know, people say, well I
don't have anything. You have something right, right, So don't
let that stop. Y'all get a it.

Speaker 1 (57:52):
Let me tell you it's it's I know, we need
to get over that about thinking about death.

Speaker 2 (57:58):
We're all going here, we all leave it right.

Speaker 1 (58:01):
So if you're prepared to have those wheels together, you know,
it's okay.

Speaker 2 (58:10):
I didn't want to do it. I did it because
because I don't. I don't have any children.

Speaker 1 (58:14):
All I have is nieces and nephews, and I'm my sister,
so I got my wheel in order. Hold on, callers,
hold on, Attorney Ursula, We're going to take a break.
I know you all have questions for her. We're talking
about that and we're talking bankruptcy.

Speaker 2 (58:33):
You know she can help you.

Speaker 1 (58:34):
If she can't help you, she'll refer you Attorney Ursula
Woods is here today. Nine zero one five three five
nine three four two eight hundred five zero three nine
three four two eight three three five three five nine
three four two will get you in to us. We're

(58:54):
going to the other side of the Bev Johnson Show
on w d i A.

Speaker 9 (59:02):
Whether you're in Arkansas, Tennessee, or Mississippi. On Facebook, Twitter,
or Instagram, thank you for listening to the Bev Johnson
Show on w d i A Memphis.

Speaker 2 (59:13):
Bev Johnson Show.

Speaker 7 (01:00:07):
Doesn't show Belt time with this talking and all away,
howver you.

Speaker 2 (01:00:15):
Go you go, don't getting ready in time, shoot.

Speaker 8 (01:00:25):
Show, let's go bell, doesn't well.

Speaker 2 (01:00:28):
Make your oday by here on t d listen to
what to say? You know it's time. The Belt Show
of the Mountain Show.

Speaker 7 (01:00:45):
Let's go.

Speaker 1 (01:00:46):
We are rocking and rolling on this Tuesday, the last
day in September. September thirtieth, twenty twenty five. Enjoyed this
fabulous day. To day, we are talking with Attorney Ursula
Woods is here. We're talking bankrupcy and other legal problems
you may have. Nine zero one five three five nine
three four two eight hundred five zero three nine three

(01:01:08):
four two eight three three five three five nine three
four two will get you in to us. Before I
go back to Attorney Ursula, let me tell you about
my favorite place. You know the place I'm talking about,
The rock and Chair of Memphis fifteen forty two Elvis Presley,
where we serve the best soul food in town, best

(01:01:29):
entertainment around. And y'all we are getting ready to celebrate
three years of the Rocking Chair in Memphis on this weekend.

Speaker 2 (01:01:38):
But let me tell you you.

Speaker 1 (01:01:40):
Can dine in or take out nine zero one four
two five five two sixty four nine zero one four
two five five two sixty four. You will have your
dinner or lunch waiting for you. But go in and
sit down and have a good dinner. And as you know,
the Rocking Chair of Memphis has the best entertainment around.

Speaker 2 (01:02:02):
Karaoke.

Speaker 1 (01:02:03):
It's happening on Wednesday. Every Wednesday at the Rocking Chair.
You know you can have karaoke there. Doors open at
six pm, best food, a free parking, free entry on
Karaoke Wednesday. And also happy anniversary retailer Rocking Chair of
Memphis coming up.

Speaker 2 (01:02:24):
This Saturday, October fourth. I will be in the house.
Special guests.

Speaker 1 (01:02:29):
My brothers all be Buchanna and mister Sam will be performing.
We'll celebrate three years of the Rocking Chair in Memphis
on October fourth.

Speaker 2 (01:02:42):
That Saturday, doors will open up at eight p m.

Speaker 1 (01:02:47):
So, and don't forget Thursday is stopping Thursday with John Discohanye.

Speaker 2 (01:02:54):
John will be back.

Speaker 1 (01:02:55):
He will be back with his class and these special guests.
My sister friend Miss Bertha Pain Ain't No Love Lost.
Bertha will be in the house on Thumping Thursday this Thursday.
So we got a lot going on at the Rocking
Chair of Memphis. So if you want the best soul
food in town, best entertainment around, check out the Rocking

(01:03:16):
Chair of Memphis. Fifteen forty two, Elvis Presley, dine in
or take out, and you know tell them. Bev Johnson
sent you to the rocking Chair of Memphis. We are

(01:03:38):
back with Attorney Ursula Woods. Attorney Ursula going to our
phone lines and we're going to talk with Kenneth.

Speaker 2 (01:03:45):
Thank you for waiting. Kenneth.

Speaker 5 (01:03:47):
Hi, Hey, how you doing.

Speaker 10 (01:03:49):
I don't have a question, Beth.

Speaker 5 (01:03:51):
I just called it to tell you later's out.

Speaker 8 (01:03:55):
Now you lay y'all got the place of the composure
of getting because I have been in here, get dumb,
but no, no, I feel.

Speaker 2 (01:04:04):
You know what, and I all honesty. I think that everybody.

Speaker 6 (01:04:07):
I truly come from a place that everybody has a
right to their opinion and has a right to their viewpoints.
So to all of those who do feel the same
as him made a.

Speaker 2 (01:04:16):
Piece of God, be with you on your journey. I'm
not here to stop that.

Speaker 6 (01:04:19):
I'm a strong believer and be people being authentic to
who they who they are, and for them to express
that because there's freedom in him expressing it.

Speaker 2 (01:04:27):
So you know that's fine if you ever believe it,
you know that's that's on you.

Speaker 5 (01:04:32):
Yes man, that's man.

Speaker 2 (01:04:34):
Well, all right, thank you, Kenneth. We appreciate your listening.
Bye bye, okay By common Man it's your birthday, isn't
it your birthday? Coming in? Shout it, go shot it

(01:04:54):
like it's your birthday? Okay, what are you doing to.

Speaker 10 (01:05:00):
It was a week ago, attorney, one week ago.

Speaker 2 (01:05:03):
You know, you know we can celebrate all month. We're
still here.

Speaker 10 (01:05:07):
Hey, but you know, yeah, I really did you know.
My daughter's birthday was on the eleven, like, you know,
a little bit before man, like almost two weeks before man.
So we really had a good time. Throughout the money.
We went out on some shopping. I got the gift
uh that I decided to get a couple of things. Yeah,

(01:05:27):
and they got me some. We went down to we
we went down to to Mahogany and then we went
to we went to Mahogany only fourteen I think it was.
And then we went to Longhorn last weekend. So we
had good time.

Speaker 1 (01:05:42):
I love that.

Speaker 2 (01:05:43):
It's nothing like time with family.

Speaker 4 (01:05:46):
I love it.

Speaker 10 (01:05:46):
I loved I love now. They they really done it.
So my baby daughter and hubs they went to the
Dominican and then they went up to see Chris Brown
in Phoenix.

Speaker 2 (01:05:55):
Oh oh, they really did it for real?

Speaker 10 (01:05:59):
Uh huh they was They were really celebrating that thirtieth
birthday for her. Yeah, but look, I got a question
I want to ask you. I was listening to you
speak to the collar earlier about that after the airship,
and uh, you spoke with them about the uh the
deceased brothers who has children who weren't the airge as well?

(01:06:21):
And I was thinking to myself, Uh, if any one
of those descendants or deceased brothers had a spouse with
the spouses be had rights to airship as well. I
was thinking so, but I'm not absolutely sure about that.

Speaker 2 (01:06:36):
The answer you're you're asking.

Speaker 6 (01:06:39):
Your question is if someone passed away, is the air
is the surviving spouse considered an air That's what you're saying.

Speaker 10 (01:06:51):
Repeat that, because you get faded away.

Speaker 2 (01:06:53):
All right, I'm sorry about that.

Speaker 6 (01:06:55):
What you're asking is if someone if someone passed away,
who are their next to kin? Is the surviving spouse
a next of ken?

Speaker 2 (01:07:05):
Is that what you're asking?

Speaker 6 (01:07:07):
No?

Speaker 10 (01:07:07):
No, no, and just say that exact scenario that he
gave you. He had those those two deceased brothers, who
has children, they have rights to airship on behalf of
their fathers. But if those fathers had a wife, either
one of those or even both of those fathers had
a wife. With those wives, uh, the heirs as well.

Speaker 2 (01:07:31):
That is correct, that they would. That is correct. You,
that is correct. You are right.

Speaker 6 (01:07:35):
The brothers spouses are heirs to the inheritance. So let's
break that down. Mom passed away. Mom had five children.
The three girls who are living will inherit. The two
boys who predeceased Mom their heirs will inherit. Who are
the heirs of someone that passed away, their spouse and

(01:08:00):
their biological children in or outside of a marriage. Therefore,
in that particular area scenario, Mom passed away, she had
five children. The three girls are on title along with
the errors of the two boys that predecease her, which
will include their spouses and or any children they have.

(01:08:20):
If they are minor children, then we have to go
through probate court because we have to have a judge
rule on what happens with the money. All right, and
if you have will, all of this can be avoided
because we will adhere to what is in a will.
So give us a call at nine zero one five
for one help. You can ask for attorney Monika Johnson.

(01:08:41):
She'll be more than happy to prepare your will.

Speaker 10 (01:08:44):
Yeah, yeah, I want to bring that to the point
because it would be important for a person to know
that those spouses has airship. Also, that is, you know,
just to help keep trouble down in confusion that rather,
you know, I.

Speaker 6 (01:08:58):
Think, to be honest with you, it was so sad
when you talk about keeping trouble and confusion down. The
fact that people are trying to steal homes from their
sisters and their brothers and their great aunts and their
nieces and nephews is insane.

Speaker 2 (01:09:12):
So that's pretty sad too. But thank you for calling
in and happy belated coming man.

Speaker 10 (01:09:19):
Thank you, Thank you appreciate that a lot.

Speaker 5 (01:09:21):
All right, I'll talk to you.

Speaker 10 (01:09:22):
Being a thing.

Speaker 2 (01:09:23):
Come up, all right, thank you, coming man. Okay, bye bye,
Attorney Ursula.

Speaker 1 (01:09:28):
Before you get back this bankruptcy question from lo Omen,
she says, how will bankruptcy affect my credit score?

Speaker 6 (01:09:38):
All right, that's a great point. So also just to
just piggyback on what coming Man was saying. Yeah, Also
when people pass away, sometimes they're in an active bankruptcy.
We can still sell the house of someone who's passed away.
We can sell the house. If you're in an active bankruptcy,
there is a process we will take you through that process.
Of course, we know that process very well, so just

(01:10:00):
give us a call at nine zero one five four
one help. But she wants to know what happens if
you found bankruptcy with the credit How would it How
would affect her credit? So when you found bankruptcy, it
is on your credit report. You have a report that's
from three different bureaus, TransUnion, Experience as well as Equifax,
and that bankruptcy will be reflected.

Speaker 2 (01:10:22):
On your credit report for ten years.

Speaker 6 (01:10:24):
But keep in mind that even though that will affect
your credit negatively because you have the impact of a
bankruptcy on there, you also have to be mindful that
you are rebuilding your credit so there is life after bankruptcy.
You have to make sure that you have three lines
of credit, make sure that you're paying those items on
time each and every month, and then also making sure

(01:10:47):
that they're reporting you dispute all of the bad credit.
You also clean up any bad items that are on
there because now everything is under bankruptcy, so the creditors
do know that you got a fresh start, that you
cannot found bankruptcy for another eight years, so then as
a result of that, they may be willing to get
extend credit to you because they know that they have

(01:11:07):
you on the hook for being able to pay for
the next eight years. But you will run into some
issues in which people feel as though because you have
had that history of a bankruptcy, it may they may
not want to extend credit. But there are creditors who
are specifically geared towards those who are in the process
of rebuilding. So when you come to us to file
bankruptcy or to sell your home, if you're in a bankruptcy,

(01:11:29):
we have the level of assistance that will be able
to help you reach that goal of make sure that
you maintain your credit, not maintain, but rebuild your credit
because it may be already broken down because of the
credit that you have not been able to pay on time.
And then I believe you have Do you have Lester
wattson sometimes here? Does he come here?

Speaker 2 (01:11:48):
He comes on with Ruth? Yeah?

Speaker 6 (01:11:49):
Oh okay, love Lester? Yeah yeah, Leicester comes on with
Ruth and he's with Operation Hope. And of course from
hearing lesser in here with Ruth, you all know that
it is free, so he will help you rebuild your
credit for free. It's with Operation Hope. So yes, there
is life after bankruptcy.

Speaker 2 (01:12:06):
Okay, And Joel wanted to know how many times can
I file bankruptcy and will it mess up my credit?
All right, you can file bankruptcy.

Speaker 6 (01:12:19):
Technically, there is not a limit on how many bankruptcy
you can file, especially here in Memphis. And to those
who are more conservative and who are cringing in your
seat right now, just realize that bankruptcy is an opportunity
for people to get to catch a breath, to get
a hold of their finances, to be able to start again,
and that opportunity needs to be there for those who

(01:12:41):
may need it multiple times. You cannot get a discharge
from bankruptcy but every eight years, but you can file
for bankruptcy multiple times. And when you live in a
town in which it is warehouse driven, meaning that we
have seasonal work that is up and in seasonal work
that is down, it lends itself towards multiple fire islands
as a result of just simply having work one month

(01:13:03):
and not having it the next. Is the unfortunate position
we're in because of where we are. We can get employment,
but sustaining it can be difficult.

Speaker 1 (01:13:11):
So when you say attorney ursula you have to be discharged.
When you're discharged, that means everything's okay, you can start
going back getting stuff again, or yes, okay, So you can.

Speaker 2 (01:13:24):
Be dismissed from a bankruptcy or a discharged. So okay,
let's talk about those two differences.

Speaker 6 (01:13:29):
Right, So, if you are being dismissed from a bankruptcy,
that means that you have not paid your payments and
they are dismissing you for the bankruptcy due to lack
of payments, right, Or you can be discharged that means
that you've spent your entire three, four or five years
paying your Chapter thirteen way journer and it has ended

(01:13:51):
and you're being discharged.

Speaker 2 (01:13:52):
You are now debt free.

Speaker 6 (01:13:55):
Or you're discharged from bankruptcy after a Chapter seven which
is a straight bank where you've become completely debt free,
and then you're discharged from a Chapter seven bankruptcy, meaning
that you don't have to pay any of those creditors
from before.

Speaker 2 (01:14:09):
You're completely dead free.

Speaker 6 (01:14:10):
You're ready to buy a house, you're ready to buy
a car, and you can buy a car, and you
can buy a house after bankruptcy, and sometimes it's less
than two years. Sometimes you have to wait two years.
By either way, rebuilding your credit is critical to your
success after bankruptcy.

Speaker 2 (01:14:28):
Okay, so that's good.

Speaker 6 (01:14:29):
Okay, So we got the dismiss and the discharge and
the one thing that I really wanted to hone in
with everyone today and my intent of this entire show
was to share with people that being debt free is
critical to your peace of mind. So oftentimes people are
trying to hold on to all of the things that
they have acquired, thinking that these things is what makes

(01:14:52):
them happy. And if they're not trying to hold so
tightly onto these things, they're holding tightly to chasing the
dream of having the bigger house, of having the lakeside cottage,
of having the g wagon, whatever car it is that
you desire. Not realizing those things that you are going
for is not really authentic to who you are. Being

(01:15:14):
authentic to who you are is really what brings you
joy and peace, And that particular goal is a process
being authentic to who you are, because you must first
ask yourself, why do you want all of these things?
Why do you want to be married? Carla called in
earlier he thinks all women should be married and have kids. Well, sir,

(01:15:35):
not all women can have kids, and not all women
have the ability to be a mother in which they
can produce positive citizens in our society due to their
own mental, emotional, or physical limitations. Therefore, we cannot put
that mandate on everyone. And we also have to respect
other people's opinions. So I will allow him to have

(01:15:59):
that thought, but then I also allow for others to
have theirs, which is refraining from that even down to DEI.
Not everyone requires that for themselves, and they have that freedom,
but we also have the freedom to desire that. So
when it comes to bankruptcy, you have to let people
have the freedom to have their decision that bankruptcy is

(01:16:21):
not for them, and you focus on getting your affairs
in order and doing what's best for you, and those
who judge that process let them judge it. That's just
the season they're in. And I want you all to
be honest with me on this. There have been times
when you have looked at a thing and you judged
it until that table turns. And as Monique's grandmama always

(01:16:44):
would say, keep living.

Speaker 2 (01:16:46):
Yes, we wind up. We would, you know, we would
say little things that be like we wouldn't do that.
I ain't gonna do that. We too good for that.

Speaker 6 (01:16:53):
Grandmama wouldn't even argue. And now that I'm older, I
understand that that it was a quiet like.

Speaker 2 (01:17:01):
Keep living, my grandmother to child, keep living.

Speaker 6 (01:17:07):
And so I say that to say, remember that when
you're on the receiving end of someone judging you for
a decision that you're making, the only thing you should
be whispering in your head is keep living.

Speaker 2 (01:17:18):
This is not for you.

Speaker 6 (01:17:19):
And maybe if you were in this situation, you would
not choose this choice. But this is what I'm choosing
for myself, and I'm gonna say it with my chest,
and I'm gonna stand on my ground because I'm gonna
move forward in peace of mind. Maybe you have finances,
maybe you have family, maybe you have a saving maybe
you have a man or a woman that can support you.
But as for me and mine, we're about to veil

(01:17:40):
ourselves to the federal law that allows us to be
dead free with chapter seventy, the chapter thirteen.

Speaker 2 (01:17:46):
And you do that with love.

Speaker 1 (01:17:47):
Going back to our phone lines to talk with you.

Speaker 10 (01:17:50):
Hi, caller, Hey, I'm miss Johnson.

Speaker 2 (01:17:54):
I'm doing well yourself, And hello's woods, but I'm doing well.

Speaker 3 (01:18:03):
I'm sorry, I apologize. I have two questions and I
hang up and listen. My first question is to miss John,
Miss John, Miss Woods, I'm so sorry.

Speaker 2 (01:18:11):
That's okay.

Speaker 3 (01:18:13):
Okay, say if a person, if I want to file
a bankruptcy and be debt free, how much would you
charge for that? And Miss Johnson, I got a question
for you also, Okay, whatever happened to the caller named
John that I used to call it the radio?

Speaker 7 (01:18:30):
Shaw m?

Speaker 3 (01:18:30):
I haven't heard him on the radio in a while,
and I ain't gonna listen.

Speaker 2 (01:18:33):
Okay, thank you caller. If somebody called me last week,
I don't know.

Speaker 1 (01:18:39):
I don't know what happened to John and someone called
caller and said that he was really sick, So I
don't know.

Speaker 2 (01:18:47):
No one else has called me. I've been wondering about John.

Speaker 1 (01:18:52):
I don't know, so hopefully somebody will let his let
us know some of his relatives.

Speaker 2 (01:18:57):
But we don't know where John.

Speaker 1 (01:18:59):
But the last thing I heard said someone called stand
show and said he was kind of he was real sick.

Speaker 6 (01:19:05):
Well, whether he's sick or not, because you know, people
will kill you and make you sick and you are
alive and well to jump.

Speaker 2 (01:19:12):
We pray that all is well.

Speaker 6 (01:19:14):
And if your life is perfectly fine, then we give
you shout out and keep rocking it out.

Speaker 2 (01:19:18):
And if you are not doing well, then our prayers
are with you for your quick healing full recovery, and
may your family have peace and love for your healing
in this season. What was their question? What was there?

Speaker 6 (01:19:31):
Other question they had was the cost of bankruptcy? Yeah,
so the cost of bankruptcy to file a Chapter thirteen
way journer. The only thing that we asked us for
two hundred dollars. You can come in with two hundred
dollars and that will get you started and filed under
a chapter seven bankruptcy. We charge a nine hundred dollars
half down. Four point fifty will get you started. So

(01:19:52):
you bring into four fifty that will get you started.
Other half has to be paid by the time we
come out of the bankruptcy. So four fifty will get
you you started two hundred under a Chapter thirteen wage earner.
But what it will cost you is your time. But
what you get in return is invaluable, which is your
peace of mind and being dead free.

Speaker 2 (01:20:13):
There is no price that you can put on that
You're right back to our phone lines. W D I
a high caller.

Speaker 11 (01:20:21):
Good afternoon, Yeah, I'm right, Good afternoon, my most beautiful
African bathlet.

Speaker 2 (01:20:26):
David.

Speaker 11 (01:20:27):
How are you you think you're gonna get me again?

Speaker 8 (01:20:30):
You got me? Messed up?

Speaker 10 (01:20:31):
You know you ain't.

Speaker 2 (01:20:32):
I'm gonna get you, brother, I'm gonna get you.

Speaker 11 (01:20:34):
I'm gonna look at that clock every time before I
say something.

Speaker 3 (01:20:37):
That's what I'm gonna do.

Speaker 5 (01:20:39):
May name. Good afternoon, attorney.

Speaker 4 (01:20:42):
How are you?

Speaker 2 (01:20:42):
I am doing well. I'm doing well, David, Good morning,
A good afternoon. Oh she got you too, Huh that's
supposed to college day. No, no, no, she said you
said good morning, it's after Oh oh you got me? Then, Yes,
I messed up. I had to look at that clock
and swell forty two.

Speaker 11 (01:21:01):
Look, I'm I'm gonna tell you what I told Bell.
I told her because I watched I went to the
seven heritagine had a great time. I said, Bell, maybe
U A p B. Didn't come to play. They came
to slave and make everybody else.

Speaker 12 (01:21:19):
Paying this morning, And I'm gonna tell you something what
you said today.

Speaker 11 (01:21:29):
I came in a little bit late, but I was
walking to a black restaurant to get me some panini,
a panini, And I said.

Speaker 3 (01:21:37):
Whoa man?

Speaker 2 (01:21:39):
She holding court for real today?

Speaker 7 (01:21:43):
She ain't playing.

Speaker 8 (01:21:46):
You.

Speaker 11 (01:21:46):
You did a doctor hop over me today. I got
to go back when you put it on the podcast
and listen to it again because I've been part of it.
But as I was walking, I couldn't hear you as well.
But the part I did here, I want to thank you.
I want to thank you now. You said, you know,
you said a lot of things that that inspired me,
that confirmed a lot of stuff I can remember very

(01:22:09):
quickly about two decades ago. Two decades ago, I was
talking to a venture capitalist out of San fran and
I he asked, it was the most important thing did
you think David in business? And I said passion and
he broke out and started laughing. He just it was
just the funniest thing, and I felt I felt kind
of bad about it. But then I saw Damon Johns

(01:22:31):
when he was asked that question. He said, passion. So
you know, so don't let somebody beat you down to
what your image, what your what your vision is, whatever
you have, because hey, if you if you the last
one standing, so bid that's the game.

Speaker 5 (01:22:47):
That is the game.

Speaker 11 (01:22:49):
And let me say this before I go. I told
Bear this. If I know Bear did it. I saw
you on on CBS, and I was. I was so
proud of both of y'all. And I'm gonna tell you
something too. Y'all are so intelligent, but I'm old, but

(01:23:09):
I ain't blind.

Speaker 3 (01:23:10):
Y'all.

Speaker 10 (01:23:10):
Look good, y'all.

Speaker 3 (01:23:12):
Thank you, y'all.

Speaker 8 (01:23:15):
Look I ain't dead.

Speaker 5 (01:23:16):
Hell, look.

Speaker 2 (01:23:18):
Look look, look we cleaned up well.

Speaker 11 (01:23:24):
And it ain't nothing. Ain't nothing more beautiful. I told
my Thomas my opetician, which I'm gonna use. Lady, I
got the go late as much for my us. I
told him when we first met, I said this, if
God would take away anything, please don't take away in
my sight, because what I like most is the sunset
on any body of water and looking at beautiful black women.

(01:23:45):
I ain't gonna do nothing, but.

Speaker 1 (01:23:46):
I just like that.

Speaker 2 (01:23:47):
You just want to look, you want to just be
able to enjoy it.

Speaker 11 (01:23:50):
Man, what you said, It's like I've been East coast
and West coast and seen the body of water in
the sunset, and the Mississippi ain't bad either.

Speaker 5 (01:23:58):
So I'm gonna tell y'all I was.

Speaker 11 (01:24:00):
I'm so proud of y'all.

Speaker 6 (01:24:01):
And Mississippi Suncess are really beautiful too, you know what
I'm saying.

Speaker 11 (01:24:06):
Yeah, yeah, but I'm out here. I know y'all taking
care of business. But I was so proud of all three.
I already gave Bell her props.

Speaker 4 (01:24:15):
But I look at it and I think, I thank
God for the opportunity to be able to pour back
into our city and say the positive things that we're sharing.
That's really a big piece to all of this is
making sure that we spread what's good about Memphis. So
oftentimes people want to point out the negative, but we
have great things happening, and it's starting right here with

(01:24:35):
w D I A, with Beb Johnson.

Speaker 11 (01:24:37):
So so and closing. The only thing that was bad
about it was afterwards when Bev said, that's one of
her boyfriends. Now she got me looking crazy.

Speaker 2 (01:24:47):
Yeah, that's my new boyfriend. I don't like.

Speaker 10 (01:24:51):
I don't like competition.

Speaker 5 (01:24:52):
I ain't gonna liepetition.

Speaker 10 (01:24:55):
All right, Thank you, David, thank you, and you too
say great stuff.

Speaker 2 (01:25:02):
Thank you, Thank you, David. Be saved brother. Yeah that's nice. Yeah,
that was nice.

Speaker 7 (01:25:08):
Yeah.

Speaker 1 (01:25:08):
So when we're talking bankruptcy again, if you all need it,
Attorney Ursula can help you.

Speaker 6 (01:25:17):
Yeah, And just to tell you, chapter seven, bankruptcy is
stray bankruptcy where you become dead free, you don't.

Speaker 2 (01:25:24):
Owe anyone anything. Is that the best one?

Speaker 6 (01:25:27):
It's my favorite because you can keep your house, you
can keep your car if you want to, but yet
you can wipe out all of your other debts. And
I really and truly believe, to be honest with you
that one of the ways that we can keep re
maintain our democracy and when our democracy back is by
an economic war, meaning that we do not spend our

(01:25:47):
money where people do not honor.

Speaker 2 (01:25:50):
Who we are as humans.

Speaker 6 (01:25:51):
Yes, right, Yeah, I'm not really talking about black and
white as much as I am just honoring the fact
that everyone that is breathing, walking and talking is a
human and deserves the basic of the pursuit of happiness.
And if others are hindering that, just don't support it
financially nor verbally. And if you do not agree with

(01:26:12):
this commentary, do as you met. Yeah, I'm only talking
to those who believe in being kind to all humans,
regardless of color, and not excluding us because of our color.
And if you and if you attach to that, then
make sure that your dollars support that as well, and
becoming debt free is critical in this time because cash

(01:26:35):
is king when you don't know what is happening with society.
You want to be able to have the freedom to
move as you desire, and the only way to be
able to do that is if you have the finances
to support it. And one way to have the finances
to support it is to eliminate the debt that is
bogging you down from being able to save your money.
So let's wipe out your debt so that you can

(01:26:58):
become debt free. You can save money so that you
can go on these trips that you have need to
be able to have peace of mind, like I'm serious,
this is not the day and agel oh, I just
want the next bag. No, this is I am in
the pursuit of my time freedom and to be able
to have my mind at peace. And what that does
require is for me to become debt free, to become

(01:27:18):
dead free. If you have the money, pay off your debt.
If not, give me a call at five four one
help five four one four three five seven unless become
debt free so that you can have the peace of
mind that you not only deserve, but that you need.

Speaker 1 (01:27:32):
We are talking with Attorney Ursula Woods. Hold on, callers
and the listeners. We will get back to you. Our
number nine zero one five three five nine three four
two eight hundred five zero three nine three four two
eight three three five three five nine. The three four
two will get you in to us. You're listening to

(01:27:53):
the Hardened Soul of Memphis w d i A.

Speaker 9 (01:27:59):
You're listening to Tennessee Radio Hall of Famer Bev Johnson
on w d i A The.

Speaker 2 (01:28:06):
Bev JO Show.

Speaker 9 (01:28:46):
You're listening to the Bev Johnson Show. Here's Bev Johnson.

Speaker 2 (01:28:50):
And we're talking with Attorney Ursula Woods.

Speaker 1 (01:28:53):
Attorney. We're going to our phone lines to talk to
one of my favorite chaplain Cummins. Hey, chaplain, Hey, chaplain comings,
how are you?

Speaker 3 (01:29:03):
Oh?

Speaker 8 (01:29:03):
Just great, just great. I was just giving some more
kudos to turn that Woods because in Memphis I came home.
You know, I have a great I gets background in
real estate. Might agree to the real estate and California
and all that stuff. But what broke my heart was
about the wheel.

Speaker 5 (01:29:21):
I've seen families here turning the woods, and I thought
there was.

Speaker 10 (01:29:26):
Everything was great, But when they passed they didn't have
a wheel.

Speaker 8 (01:29:31):
And we're not talking about I'm not talking about running
to me upore talking about people who the whole family.

Speaker 5 (01:29:37):
Running six figures.

Speaker 8 (01:29:38):
But it destrayed the family almost it, I mean, Sinceter
Beverley was. I'm telling you, I haven't been fifteen minutes
who I drove by one of the places closed up,
beautiful home home at least eight and a half of
just manicureself, people fighting over foolishness. And yes, and Attorney would,

(01:30:01):
I just so appreciate where you put it. I'm telling
you they've had me speaking and convin it all over
the country, but I have no neighbors match what you
did today to sweetheart, Please continue to help out people.

Speaker 2 (01:30:14):
Thank you, thank you very much. I appreciate that.

Speaker 5 (01:30:17):
Yes, ma'am, have a great events.

Speaker 2 (01:30:19):
YouTube chaplain comings and you be safe out there now.

Speaker 1 (01:30:22):
Brothers, Okay, bye, bide Attorney Woods chaplain coming. I think
he's eighty eight eighty and he's still going. And he's
still going.

Speaker 2 (01:30:32):
Now that's a blessing. That is a blessing.

Speaker 1 (01:30:34):
And he's still having young folks and yeah, and he's
retired military and he's still he leaves.

Speaker 2 (01:30:40):
Yeah, and he is still giving back.

Speaker 6 (01:30:43):
He's still giving why it's so fulfilling when that See,
if you all have been listening to the show the
entire time, we've been talking about building the life that
you want, and the way that you build the life
we do you want is you pursue your dreams, your passions,
what you want to do. If you're an evil not
I don't mean to say, but if you're a person
who does not believe in being kind to those, okay,
then that's your life. Go live your life the way

(01:31:05):
that you desire, and we will know to steer clear
from you because we will know by your actions. Yes,
I'm just encouraging those who want to walk in love,
who want to give back to their community. It's not
your job to control those who do want to live evenly.
It's your job to just simply live your path. Think
about chaplain comings. At this age that he is, he

(01:31:25):
is still pursuing his passion. You know why, because that
is the thing that makes him feel alive. I'm pretty
sure without talking to him, there is something that he
gets from that that allows him to live another day
and not just survive and sitting in the bed looking
at the ceiling but actually thrive.

Speaker 2 (01:31:43):
He is actually contributing. He is sharing the good news
of the of he heard something that was positive.

Speaker 6 (01:31:49):
It's like, you know what at a boy, why not
give that to another person and let that fulfill you.
So that's that's really the essence of what we're sharing to. Yeah, yeah,
you didn't becoming debt free with bankruptcy, that's right.

Speaker 1 (01:32:02):
Any other last words you'd like to say to our listeners,
my stay and especially and every time I think of bankruptcy,
I think about you talk about attorners as we know
we're gonna spend that money because the holidays will be
coming up.

Speaker 2 (01:32:16):
Come on, y'all.

Speaker 1 (01:32:18):
I know you love to do that for your family,
but sometimes you know, think of something else instead.

Speaker 2 (01:32:24):
You're spending money and you know you don't have it.

Speaker 6 (01:32:26):
If now is the time for you to look at
because what she's referring to is you know that December
is coming. In December, you want to buy the gifts
for your children, So why not plan now, file bankruptcy
now so that they can free up your cash income
that you have that is coming in October and November
to be able to November and December so you can

(01:32:47):
utilize that for the gifts versus having to pay bills.
That you know that you're going to bankrupt you already
know it is on your heart that you should take
make this call and to go on and file bankruptcy.
Do it now so that you can have a very
merry Christmas. Do it now so you can go at
your Thanksgiving debt free. Now we are at the end
of September, we can get you filed and in court

(01:33:10):
before months in and you will be out of bankruptcy
within ninety days. Within ninety days, you could be completely
dead free. But as soon as you foil baby, that's
when you stop paying your bills. That's when you can know.
And then to those that are listening that are saying
she is promoting bankruptcy, you absolutely right. I am promoting
debt freedom and peace. When you no longer have the

(01:33:31):
income to be able to pay your bills, you have
to have a way out. Little do you know, sitting there,
little misjudgmental about people who cannot afford what you can do.
You realize that people will try to kill themselves. I'm
serious about this. Suicide is a real option when people
are weighed down by debt. I want people to have

(01:33:51):
life and life more abundantly, Life and life more abundantly.
That is what is being promised to us. How do
we get there? You get there through through faith, through
getting rid of all of the heavy burdens of life.
And one of those burdens just might be your finances.
And if it is, hold your head, hi, give us
a call at nine zero one five four one help.

(01:34:14):
That's nine zero one five four one four three five seven,
and allow us to hold your hand and take you
across that finish line of becoming debt free. This is
what we've done for thousands of clients and we would
love to do it for you. And if bankruptcy is
not an option, then listen in when Lester Watt comes in.

(01:34:34):
Here is this free service through Operation Hope. He will
help you figure out which debt to pay off first
and how to rebuild your credit, be it in or
out of bankruptcy. So thank you for your time. I
want everyone to move forward in peace, be authentic to
who you are, let them be who they are as
you take control of your own peace and happiness. If

(01:34:54):
you want to will bankruptcy. If you've been hurting an accident,
give us a call at nine zero one five four
to one. Help that's nine zero one five four to
one four three five seven. I'm attorney Ursula Woods, Attorney
Monika Johnson. We handled Tennessee as well as Mississippi. We're
moving into Arkansas soon. We appreciate you and thank you, Bev.

Speaker 2 (01:35:15):
Thank you for always extending the opportunity and allude to
the rocking room, the rocking chair to rocking chair. I'm
celebrating three years this year. Guys.

Speaker 6 (01:35:24):
I'm a business owner, and being a business owner is
more than a notion. It takes your mental and physical
capacity to make this dream of reality. So not only
did the Rocking Chair take a vision that they had
that was in their heart, but they made it come
to fruition. Not only did they make it till I'm
to fruition, but they have thrived for over three years.

(01:35:44):
Not only did they do that, but they're taking what
this Saturday, Saturday Saturday celeb Niverse celebrate. They're not just
celebrating these three years, they're celebrating blood sweating tears, and
they have the Bev Johnson at the hand. So I
encourage you all, if for no other reason, to go
get good food and to celebrate another kind of entertainment. Yeah,

(01:36:07):
that has decided to remain in business. When y'all talk
about what's good about Memphis, the rock and chair is
what's good. So I encourage you all to support them
and to get some good food in here and look
and see what Bev Johnson talking about. Y'all, go see
what she talked about. Right, Thank you, tourney Ursula Lewis.
I appreciate you.

Speaker 2 (01:36:24):
That was really nice here. Well all right.

Speaker 10 (01:36:26):
The views and opinions discussed on the Bev Johnson Show
are that of the hosts and callers and not those
of the staff and sponsors of WDA.

Speaker 2 (01:36:39):
I want to thank you callers.

Speaker 1 (01:36:41):
I want to thank you listeners for joining us this
day on the Bev Johnson Show.

Speaker 2 (01:36:46):
We do, we really do appreciate you.

Speaker 1 (01:36:50):
So until tomorrow, please be safe, keep a cool head, y'all,
and don't let anyone still your joy until tomorrow. I'm
Bev Johnson, and y'all keep the faith