bankruptcy Lawyer in Elizabethton, Tennessee

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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 Lawyer in elizabethton, Tennessee?

You may benefit from speaking with a lawyer for free to see whether you could use legal bankruptcy or debt relief help. Filling out your Bankruptcy forms, and following all procedures can be difficult. Cisowski Law is a bankruptcy law firm that offers free consultations at the office in Elizabethton, TN to see what kind of strategies you can take to get debt relief. You may need an affordable bankruptcy lawyer in Elizabethton to help file a Chapter 7 or Chapter 13, or you may simply need representation in settling a debt. Call or click for a free appointment to speak with an affordable bankruptcy and debt relief lawyer to help achieve financial freedom.
Central landmark of Elizabethton Bankruptcy Attorney

Cisowski Law Debt Relief Process in Action

Why file for bankruptcy? Filing personal bankruptcy benefits you in these ways:

  • You can entirely eliminate your debts including medical bills, personal loans, credit cards and more, or you can restructure them and pay them in a meaninful and manageable way
  • Your creditors are not allowed to harrass you after you file bankruptcy. This means no more annoying phone calls and letters
  • You will be able to achieve peace of mind knowing your creditors cannot file lawsuits or garnish your wages. You will be able to protect your income and your property. Stop repossessions of vehicles, foreclosures on your house, and more.
  • Depending on your current credit score, eliminating debt can give you a fresh start to building up your credit.

What Can I Expect from an Elizabethton Bankruptcy Lawyer?

A Bankruptcy lawyer has filed many cases before and is familiar with the forms and procedures. Many Bankruptcy lawyers in your area are likely also familiar with the creditors and other members of the debtor-creditor community. In Elizabethton TN, representation provides a voice to speak with your creditors, and hiring a lawyer gives you the upper hand in resolving your debt issues.

Filling out the Bankruptcy forms can be tedious and difficult. Bankruptcy lawyers will help you along the way in preparing the forms and filing your case. A lawyer will also explain the process in depth and give you some peace of mind while you get out of debt. Bankruptcy law can be complex. Cisowski Law firm guides you through the legal morass and gives you a simple bankruptcy without paying unreasonable fees.

Who should I choose to be my bankruptcy lawyer? There are many bankruptcy lawyers to choose from. When facing the option, trust should be one of the key factors. Some attorneys will be more expensive than others but have a team of experienced staff that will help you, while some attorneys take on fewer cases and give your case more attention. It is up to you to decide which bankruptcy lawyer of many will fit your specific needs.

Oliver Cisowski at Cisowski Law attempts to be hard on creditors, but compassionate with debtors. I try my best to explain and advocate for your rights. You have the rights not to be harassed by creditors, and you have the right to a fresh start through bankruptcy if you need it. I try to provide an affordable debt relief and bankruptcy service that advocates for you.

Are you looking at bankruptcy lawyers in Elizabethton?

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, loyalty, and commitment: 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 Elizabethton and your area 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.

Need help filing bankruptcy from an Experienced Bankruptcy Attorney in Elizabethton, Tennessee?

If you are in Elizabethton and think you need help filing Chapter 7 or Chapter 13 Bankruptcy, Cisowski Law can help. Filing bankruptcy can be difficult without the right help, and Cisowski Law has procedures to make the filing process easy. We help Elizabethton debtor file Chapter 7 and Chapter 13 quickly and quietly.

We offer protection against creditors. When Cisowski Law represents you, you are entitled to protection from your creditors. Our representation stops calls, statements, and communications from creditors. Once we file your Chapter 7 or Chapter 13 Bankruptcy, you will get the protection of the automatic stay.

If you don’t have filing help, you can easily fall into the traps of a Chapter 7 bankruptcy law, or be unprepared to deal with creditors in a Chapter 13 bankruptcy. Let us use our resources to provide you with a low cost Chapter 7 and Chapter 13 bankruptcy filing service. We provide Elizabethton with the how, where, and when to file bankruptcy.

Schedule a free consultation with an Elizabethton Bankruptcy Lawyer.

If you live in Carter, Washington, Sullivan, Unicoi, or Jefferson County, come in for a free consultation at our office in Elizabethton. We can help you get a fresh start without having to drive many miles to see the nearest specialized lawyer. Call or click for a free appointment with a lawyer near you.

If you have dealt with any of the companies below, we can help

Finance companies, payday loans, check cash advances, and medical, lead to financial stress. If any of these companies have given you money, you need to call today! An affordable Elizabethton Bankruptcy lawyer can help deal with local finance companies.

Cisowski Law Bankruptcy Services

We offer quick an affordable help filing Chapter 7 bankruptcy. If you need a fresh start, free from debts, let Cisowski Law help. Filing Chapter 7 has never been so easy. A Chapter 7 bankruptcy will discharge personal liability on almost all of your debt. It allows for the total elimination of medical, credit cards, personal loans and more. If you need help from a bankruptcy lawyer in Elizabethton call or click for a free consultation.

Cisowski Law can help you readjust your debts and pay them in a way that is affordable to you. Whether your car payments are too high, or you are behind on your mortgage we can help file Chapter 13 to pay your debts within you budget.

If you are in northeast Tennessee and need help paying your debts, let us know. We can help you put together a Chapter 13 to get everything paid on your terms. The Chapter 13 is a powerful form of debt consolidation enforced by court law. We help with the advice on how, when, and where to file Chapter 13 bankruptcy.

Book a free consultation today

Click below to schedule a consultation with an lawyer to discuss your financial freedom

  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.
  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

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Bankruptcy Quick Basics

A Chapter 7 Bankruptcy is a total discharge of your debts. 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 Elizabethton, you file your Chapter 7 Bankruptcy in Greeneville. A bankruptcy attorney in Elizabethton 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. After you pay a portion of your debts through your plan you receive your bankruptcy discharge. In Elizabethton, you file your Chapter 13 in Greeneville and pay your plan through a trustee in Knoxville. Cisowski Law is a bankruptcy attorney near Elizabethton 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 releases a debtor from any debt obligation. 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 Elizabethton 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 in Elizabethton and can assist you with filing your bankruptcy case.