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Tri-Cities Bankruptcy and Debt Releif
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Achieve financial comfort by electing your bankruptcy rights

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Cisowski Law Bankruptcy and Debt Relief Options

Scissors cutting a credit card representing debt relief through Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

A Chapter 7 Bankruptcy is a personal bankruptcy and elimination of debts. If you qualify to declare and file chapter 7 bankruptcy you can keep most or all of your assets including cars and home and eliminate most or all of your debts. In Tennessee most of your assets are exempt from reach of your creditors. 

A calculator representing how much to pay in a chapter 13 bankruptcy

Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy is a repayment plan that allows you to stop foreclosures, recover lost vehicles and modify your debt so it works for your budget. Filing Chapter 13 is a powerful form of debt consolidation that bind creditors.

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

Filing for a Chapter 7 or Chapter 13 Bankruptcy will stop any pending lawsuit and release you from any of your debt obligations. If you have been served with papers to appear in a court for a debt matter, filing a bankruptcy case can relieve you of having to appear in court and can protect you from your creditors. Call or click for a free appointment of fill out our free instant online case evaluation to see if filing a Chapter 7 or Chapter 13 bankruptcy can help with any pending or disposed debt lawsuits.
If you are many months behind on your mortgage you could be facing a foreclosure of your home. Filing a Chapter 13 Bankruptcy stops a foreclosure and allows you to catch up on your mortgage. If you need more time but do not want to keep your home filing a Chapter 7 Bankruptcy can temporarily stop a foreclosure and give you more time to settle. Call or click for a free appointment or fill out our free instant online case evaluation if you need to stop a foreclosure by filing a Chapter 7 or Chapter 13 Bankruptcy.
In Tennessee creditors can take up to 25 percent of your paycheck and sometimes more. Your student loan creditor can also garnish your tax refund. You have the right to declare Chapter 7 or Chapter 13 Bankruptcy to stop creditors from garnishing your paycheck. Call or click for a free appointment or fill out our free instant online case evaluation to stop your paycheck or tax refund from a garnishment.
If you are late on your car payments, your car lender has the right to repossess your vehicle. You have the right to catch up on missed payments and recover a repossessed vehicle by filing a Chapter 7 or Chapter 13 Bankruptcy. Call or click for a free appointment or fill out our free instant online case evaluation to see if filing a Chapter 7 or Chapter 13 Bankruptcy can help you catch up on missed car payments or recover a repossessed vehicle
If you are drowning in student loan debt, you have the right to set your self up on affordable payments and sometimes discharge student loans completely. Call or click for a free appointment or fill out our free online instant case evaluation to see if filing a Chapter 7 or Chapter 13 Bankruptcy can help you reduce or eliminate your student loans. We can also help you set yourself up a plan for income based student loan payments that work with your budget.
If you owe the IRS for back taxes you have the option to totally eliminate or pay back your tax debt. Taxes 3 years or older can be discharged in a Chapter 7 Bankruptcy. For more recent taxes a Chapter 13 Bankruptcy can alleviate your tax burden by making small payments. Call or click for a for a free appointment or fill out our instant free online case evaluation to see if filing a Chapter 7 or Chapter 13 Bankruptcy can eliminate your tax debt.
Medical bills can add to your financial worries but they don’t need to. You have the right to totally eliminate your medical bills by filing a Chapter 7 Bankruptcy or repay them in affordable payments by filing a Chapter 13 Bankruptcy. Call or click for a free appointment or fill out our online instant free case evaluation to eliminate your medical bills.
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Cisowski Law is an affordable bankruptcy firm in Elizabethton Tennessee. But we also look to help you get out of debt in whatever way is in your best interest. You may want to get out of debt by settling with creditors or by consolidating your debt. I believe that a small, convenient, and affordable practice is best for my clients. If you are in need of filing Chapter 7 or Chapter 13 bankruptcy, or need an attorney to help consolidate or settle your debts, you do not have the money to hire a larger filing firm. I have limited clients so I can provide you a cost-effective way of getting out of debt. I believe that I am the most affordable bankruptcy attorney in Johnson City, Elizabethton, Kingsport, and Northeast Tennessee. Let us know if you are in need of affordable bankruptcy lawyers in Elizabethton, Johnson City, Kingsport or surrounding areas. I offer a free consultation and give you solutions to get out of debt. Affordable bankruptcy, debt consolidation, and debt settlement is conveniently located in Elizabethton for you. I can provide all the bankruptcy information you need free of charge at an initial consultation. Need help filing your Chapter 7 or Chapter 13 Bankruptcy? Schedule a consultation for free online or over the phone.

If you are in ElizabethtonJohnson City, Kingsport or surrounding areas in Northeast Tennessee, you may want to visit for a free consultation. Our law firm has the bankruptcy consultant with the advice your need to eliminate debt. Cisowski Law is an affordable bankruptcy lawyer located in Elizabethton that services Elizabethton, Johnson City, and more. 

Many debt relief matters can be handled on your own, but if you have multiple creditors and believe that you may need help filing bankruptcy, negotiating with creditors, or consolidating loans, representation may be a good idea. Contact the office or book online for a free consultation. Cisowski Law is a bankruptcy firm that is small, focused and affordable so you know your fees will be the lowest around. Bankruptcy law can be complex. You need the best bankruptcy attorneys with expertise to handle your situation. Here we will guide your through the steps of declaring and filing bankruptcy. We remove the hassle.

Cisowski Law as your representation gives you the protections and peace of mind from your creditors. Once represented, harassing phone calls, emails, and mail must stop. Once we file your case, you get the protection of the automatic stay.

Online bankruptcy filing

Cisowski Law offers a program to file your bankruptcy solely online. File your chapter 7 or chapter 13 bankruptcy without stepping foot in a firm.

Free video consultations, and document preparation virtually for debtors in Johnson City, Elizabethton, Kingsport, and surrounding areas in Northeast Tennessee.

Contact us for a free case evaluation or any other questions