East Tennessee Bankruptcy Attorneys

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

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Do you need a Bankruptcy attorney IN Johnson City Tennessee?

If you are in Johnson City TN and need an affordable bankruptcy attorney to help file your Chapter 7 or Chapter 13, we can help. Some Bankruptcy matters can be routine and you don’t need an attorney to file; however, the forms can be complex and you do not want to fall into the traps that arise while filing. Bankruptcy Law has intricacies that could lead to disastrous consequences without the proper advice. Bankruptcy lawyers will give you all the steps to declare bankruptcy the safe way. Cisowski Law can consult with your personal bankruptcy and file you at an affordable fee. You may benefit from speaking with an attorney for free to see whether you could use legal help. Don’t let your creditors have the advantage. We help debtors in Johnson City at an affordable price. Cisowski Law handles business and personal bankruptcy cases, and if you just need a debt relief lawyer in Johnson City, we can work with your creditors to get you some financial peace of mind. Call or click for a free appointment to see speak with an attorney near Johnson City to help with your Bankruptcy process.
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Why file for bankruptcy? What are the benefits:

  • Eliminate back taxes, medical bills, old collections from utilities or services, personal loans, credit cards and more. Or you can restructure your debts and pay them in a way that works with your budget
  • Keep your creditors from harassing you. By filing bankruptcy, your creditors cannot call you, send you letters or contact you without your permission
  • Keep your creditors from filing lawsuits, garnishing your wages, repossessing property or foreclosing on your house. You can protect all your income and property by filing bankruptcy.

What Can I expect from an Experienced Johnson City Bankruptcy Attorney?

Bankruptcy Attorneys have knowledge of the forms and filing procedures to help advocate for your rights. Cisowski Law offers a free consultation and an affordable bankruptcy process specially tailored for you. We are familiar with the creditors in Johnson City, and know how to deal with them for your Chapter 7 or Chapter 13 case.

Sometimes bankruptcy is not in your best interest. We let our clients know who qualifies for Chapter 7 or chapter 13 bankruptcy. Cisowski law will help you file bankruptcy, or simply represent you in negotiations, debt consolidation, or settling debt matters. We provide affordable debt relief and bankruptcy help in Johnson City. An experienced bankruptcy lawyer also protects you from creditors prior to filing.

Filing out the Bankruptcy forms can be tedious and difficult. A bankruptcy attorney will guide you through every step of the process so you know what to expect and stay informed of your rights. If you are near Johnson City, Cisowski Law has efficient, effective and affordable procedures to help you through your bankruptcy.

What are key factors when looking for bankruptcy attorneys in Johnson City?

You are at this website, so you must be looking for bankruptcy lawyers in your area. Which attorney you needs depends on your circumstance, but you should keep the following goals in mind.

  • Trust: your bankruptcy attorney could be with you for up to five years if you file Chapter 13. You want an attorney you can trust and rely. Some bankruptcy lawyers have excellent credibility. Make sure to research which lawyers have a good track record.
  • Experience: similar to trust, the bankruptcy lawyers in Johnson City have varying levels of experience. Some of the attorneys such as Cisowski Law, have experience filing hundreds of cases and focus solely on bankruptcy. Some lawyers file bankruptcy but also have a varied practice and do other types of law.
  •  Case complexity: if you have a business, multiple assets, or have a complicated case, make sure you find an attorney that you feel comfortable handling your complex case. If your case is complicated, visit a few different attorneys in the area. Make sure the attorney present multiple options, so you can select which is best for your case.
  • Price: although bankruptcy can be complicated. Some lawyers will charge more than they may be worth. Lawyer shopping could be smart.

Bankruptcy filing help in Johnson City TN

We make declaring bankruptcy simple. You just need to supply us with a few basic documents, and we do the rest. We help debtors in Johnson City file Chapter 7 and Chapter 13 bankruptcy. We also help you prior to filing with your credit counseling course.

Filing bankruptcy can be a difficult task without the right attorneys. Cisowski Law has the resources to provide you with a low cost Chapter 7 and Chapter 13 bankruptcy filing service. In Johnson City, filing bankruptcy has never been so easy and affordable.

Online bankruptcy filing from home

Cisowski Law has an online bankruptcy filing program that will allow you to speak with an attorney and file your bankruptcy without stepping foot in a firm. If you would like fill out a short form for a FREE and instant bankruptcy case evaluation, visit this link.

Find out how to file chapter 7 or chapter 13 from home.

Call or click for an appointment with a Bankruptcy Attorney in Johnson City.

If you live in Johnson City, Bluff City, Piney Flats, or anywhere near Washington or Sullivan County, come in for a free consultation. Cisowski law has the bankruptcy consultant to give you the advice you need. Our fees are affordable. We offer a free consultation to see if filing Chapter 7 or Chapter 13 bankruptcy can help you achieve your fresh start. Call or click for a free appointment with an attorney near Johnson City. We can help you in any Chapter 7, Chapter 13, or debt relief need.
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Cisowski Law Bankruptcy Services

We can help you get a fresh start by filing Chapter 7 Bankruptcy. Chapter 7 is your right to eliminate personal liability on medical bills, loans, credit cards and more

We help prepare the bankruptcy forms, file, and help you with all the Chapter 7 bankruptcy requirements to get you your discharge. We provide all the information on how, when, and where to file your Chapter 7 Bankruptcy in Johnson City

We can help you put together a Chapter 13 plan that structures your debt in an affordable way. We deal with car loans, mortgages, and other debts and pay them on your terms. Filing Chapter 13 in Johnson City has never been so easy.

We help you get back on track on your terms, and in a way that works with your budget. Our low cost Chapter 13 service will show you when, how, and where to file your Chapter 13 bankruptcy in Johnson City

  1. Head North on US-19E N/US-321 S
  2. Take Bristol Hwy South towards Johnson City
  3. 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
  1. Head onto Roan Street North toward Bristol Hwy
  2. Take the right onto Bristol Hwy
  3. Cross the first light and enter the Northridge Centre location where there is a Rock’s Wood Fire Pizza
  4. Enter the double doors under the orange awning to the right of the Rock’s Woodfire Pizza patio
  5. Cisowski Law ill be on floor 2 suite 217 at the end of the hallway.

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Customers reviews

This Johnson City Bankruptcy Attorney near me was very prompt and professional. He is very intuitive and knowledgeable in his line of work . . .
Frankie Y
The Johnson City Bankruptcy Lawyer near me is very compassionate and fair. Honest and able to help us quickly and made verything go smoothly . . .
Debra C
The Johnson CIty Bankruptcy Attorney near me responded to my questions quickly and thoroughly. He explained the entire process in detail so I would understand what I needed to do . . .
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Bankruptcy Quick Basics

A Chapter 7 Bankruptcy is a total debt elimination. If you are eligible you can keep most or all of your assets including cars and home and get rid of 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 Johnson City, you file your Chapter 7 Bankruptcy in Greeneville. A bankruptcy attorney in Johnson City will be able to prepare your Chapter 7 and file your forms and represent you in Greeneville.

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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. It is a powerful form of debt consolidation approved by the bankruptcy court and binding on all your creditors. After you pay a portion of your debts through your plan you receive your bankruptcy discharge. In Johnson City, you file your Chapter 13 in Greeneville and pay your plan through a trustee in Knoxville. Cisowski Law is a bankruptcy attorney near Johnson City and can help file your Chapter 13.

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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. 

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The bankruptcy discharge is a court order that eliminates debt obligation and prevents creditors from trying to collect on those debts. 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.

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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. 

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Filing bankruptcy in Johnson City 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 Johnson City and can assist you with filing your bankruptcy case.