bankruptcy attorney Kingsport Tennessee

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Cisowski Law can help file Chapter 7 and Chapter 13 bankruptcy in Kingsport. If you need the assistance of an affordable Kingsport bankruptcy attorney, we can help

East Tennessee Bankruptcy Attorneys

Serving Elizabethton, Johnson City, Kingsport, Bristol and surrounding areas in Northwest Tennessee and Southwest Virginia

Do you need the help of an experienced kingsport bankruptcy attorney?

If you are looking for a cheap and efficient bankruptcy attorney in Kingsport, TN, Cisowski Law can help. Preparing your bankruptcy forms and filing them with your local bankruptcy court is a difficult and time-consuming process. Cisowski law is a bankruptcy firm that makes it easy to file bankruptcy in Sullivan County. Just bring us a short list of documents, and we prepare the rest. Filing Chapter 7 and Chapter 13 can be done on your own (pro se) but there are many pitfalls for the unwary. A local bankruptcy attorney near Kingsport can help prepare the forms and avoid the traps. Bankruptcy attorneys in Kingsport know your creditors, and the other bankruptcy players so you know you are getting the best out of your Chapter 7 or Chapter 13 bankruptcy. Cisowski Law firm puts the forms together, prepares and plan, and gets you out of debt without the hassle. We strive to be affordable, compassionate, and fully invoke your rights to the law. We are among the best bankruptcy lawyers that give you the advice, and help you with all the steps to declare personal bankruptcy. Call or click for a free appointment to see speak with an affordable bankruptcy attorney near Kingsport.

Experience the steps Cisowski Law takes to get you debt relief!

A free consultation with an experienced bankruptcy lawyer

Shaking hands retaining a bankruptcy attorney

A phone ringing representing creditor harassment

Hands holding up a house, money, and a car representing the bankruptcy protection of the automatic stay

Four bankruptcy attorneys helping clients step by step preparing forms

Why File for Bankruptcy? The benefits of declaring bankruptcy include:

Eliminating all debts. Filing bankruptcy results in the discharge of medical bills, credit cards, personal loans, old collection accounts, and more. Declaring Chapter 13 bankruptcy allows a powerful form of debt consolidation to repay debts on your own terms.
Filing bankruptcy gives you protection from your creditors. Once filed, your creditors cannot harass or attempt to collect on your debts. This stops foreclosures, lawsuits, garnishments, calls, and statements. You will have the peace of mind knowing that you are protected from annoying calls and letters.
Start building up your credit. If you have multiple high interest credit or personal loans, collection accounts, or public record indications on your credit, declaring bankruptcy will eliminate these adverse accounts. Once these get off your credit, you are in a better position to start rebuilding your credit. Get that 800 credit score faster than attempting to use debt relief services.

What Can I expect from an Experienced Bankruptcy Attorney in Kingsport?

An affordable and experienced bankruptcy attorney in Kingsport can help you fully develop your bankruptcy and get you out of debt with minimal hassle. Cisowski Law firm offers free consultations so you can get an idea of the bankruptcy process and what to expect. We put together a plan that is tailored for you. If you think a bankruptcy is a good option to get out of debt, let us know. We have the procedures to guide you through your bankruptcy.

Sometimes all you need is someone on your side. If creditors are harassing you, sending you endless mail, and calling you without restraint, let us know. It is good to have a bankruptcy attorney in Kingsport on your side. Once you retain an attorney, the law requires direct contact from your creditors to stop. We will field the phone calls and letters for you. The harassment must end when you have a bankruptcy attorney in Kingsport on your side.

Having a good bankruptcy attorney in Kingsport that knows the debtor-creditor community can help. Even if you don’t need to file bankruptcy, let Cisowski Law give you a voice to stand up to your creditors.

Bankruptcy filing help from a Bankruptcy Attorney near Kingsport

Filing bankruptcy may be in your best interest if you are falling behind on your loans, credit cards or other bills. We can help you file bankruptcy in Kingsport TN. Cisowski Law makes it simple to file Chapter 7 or Chapter 13. With just a short list of documents, we can handle the rest. Don’t let your finances wear you down. If you need filing help from an attorney in Kingsport, let us know.

Filing Chapter 7 bankruptcy has many pitfalls that could cause you to lose property if not properly prepared. Filing Chapter 13 is difficult and has complex pieces. Bankruptcy law has many intricate sections that could lead to terrible consequences if the correct steps aren’t taken. Bankruptcy lawyers know the law and Cisowski Law has the bankruptcy consultant to give you the advice you need. Contact us to see if we can help you declare bankruptcy, or put you on the right track to get it done yourself.

Call or click for an appointment with a Bankruptcy Attorney near Kingsport.

Cisowski Law can help you if you live near Kingsport, Bluff City, Blountville or surrounding areas in Tennessee. We are affordable and consistent at filing Chapter 7 and Chapter 13 bankruptcy. We can help you get a fresh start free of debt. Call or click if you need an attorney near Kingsport to help file your Chapter 7 or Chapter 13 bankruptcy. A free consultation is one call away.

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Cisowski Law Bankruptcy Services

Chapter 7 bankruptcy

We offer a comprehensive Chapter 7 plan to get rid of your debts. Filing Chapter 7 bankruptcy in Kingsport is your right to discharge credit cards, medical bills, loans, and more

Cisowski Law helps you through your Chapter 7 personal bankruptcy from start to finish. We put the forms together, help you with your credit counseling, and talk to your creditors. We can help you file Chapter 7 in Kingsport and get you our of debt.

chapter 13 bankruptcy

Chapter 13 Bankruptcy is your right to get out of debt by paying your creditors on your terms. Cisowski law can help you with filing Chapter 13 Bankruptcy in Kingsport. Debt consolidation with the US Courts on your side.

Don’t let your creditors get the upper hand. Let us help you file Chapter 13 to repay cars, mortgages, and other debts on your own terms. We can help declare Bankruptcy in Kingsport.

From Bluff City

Head North on US-19E N/US-321 S
Take Bristol Hwy South towards Johnson City
Cisowski Law office will be on the right inside the double doors and on the second floor in the office building entrance to the right of Rock’s Wood Fire Pizza

From Kingsport

Head south on I-26E/US-23 S toward Johnson City
Take exit 19 to merge onto Hwy 381 N toward Bristol
Quickly merge onto Bristol Hwy S towards Johnson City
Cisowski Law will be on your right in Northridge Centre in the office buildings above Rock’s Woodfire Pizza
Enter the double doors to the right of the Rock’s Woodfire Pizza patio and Cisowski Law is on the second floor.

Contact us for a free case evaluation or any other questions

Bankruptcy Quick Basics

What is Chapter 7 Bankruptcy?

A Chapter 7 Bankruptcy is a total debt elimination. If you are one who qualifies for chapter 7 you can keep most or all of your assets including cars and home and eliminate most or all of your debts. The Discharge will relieve you of any personal obligation of the debt. You will be protected from the Bankruptcy court’s discharge order. If a creditor tries to collect after your Chapter 7 Bankruptcy, they can be heavily penalized. In Kingsport and Sullivan County, you file your Chapter 7 Bankruptcy in Greeneville. Bankruptcy attorneys in Kingsport will be able to prepare your Chapter 7 and file your forms and represent you in Greeneville.

What is Chapter 13 Bankruptcy?

A Chapter 13 Bankruptcy is a repayment plan for debtors with regular income. This means that if you have income and debts, then a Chapter 13 will get you back on track by binding your creditors to a plan of repaying your debts over the course of 3 or 5 years. After you pay a portion of your debts through your plan you receive your bankruptcy discharge. In Kingsport, you file your Chapter 13 in Greeneville and pay your plan through a trustee in Knoxville. Cisowski Law firm is a bankruptcy attorney near Kingsport and can help declare Chapter 13.

What is the Bankruptcy Automatic Stay?

The automatic stay is an automatic court order entered when a debtor files bankruptcy. The order states clearly that any attempts to a collect a debt are suspended. If a creditor violates the automatic stay they are subject to penalties. The Automatic Stay is very powerful. It can stop lawsuits, garnishments, repossessions, and foreclosures.

What is the Bankruptcy Discharge?

The bankruptcy discharge is a court order that eliminates debt. It is the ultimate goal for filing a Chapter 7 or Chapter 13 bankruptcy. The creditor will be violating the discharge and subject to punishment if they attempt to collect a debt after the debtor receives a discharge. The discharge eliminates medical bills, personal loans, credit cards, old utilities, collections accounts, and more.

What is Bankruptcy Credit Counseling?

In 2005 Congress enacted a law requiring individuals who file Bankruptcy to take a credit counseling course before filing and a course in financial management after filing but before receiving a discharge.

How do I File Bankruptcy in Kingsport?

Filing bankruptcy in Kingsport requires you to fill out your bankruptcy forms and submit the to the Bankruptcy Court in Greeneville. There are a number of procedural requirements for filing Chapter 7 or Chapter 13. Cisowski Law is a bankruptcy attorney near Kingsport and can assist you with declaring bankruptcy.