Filing Chapter 13 Bankruptcy in Johnson City

Cisowski Law is located near Johnson City to help you file Chapter 13 Bankruptcy. Let us help restructure your debts in a meaningful and manageable way

How to file Chapter 13 bankruptcy in johnson city

Filing Chapter 13 bankruptcy is a federal right to get out of debt. To file Chapter 13 Bankruptcy, you will need to prepare the forms and take it to your local federal bankruptcy court, located in Greeneville. Although you can file on your own (pro se), it is advisable to seek the help of an affordable bankruptcy attorney near Johnson City.

  • Step 1: Take the mandatory credit counseling course, prepare and submit your bankruptcy petition and plan to the federal court in Greeneville
  • Step 2: Attend a meeting of creditors, submit mandatory documents to the trustee, and confirm your Chapter 13 Plan
  • Step 3: Make your Chapter 13 plan payments, and continue to update schedules bsaed on changing circumstances
  • Step 4: fulfill ongoing duties such as submitting tax returns on a yearly basis to the trustee.
overlooking the beautiful landscape of the Johnson City Bankruptcy Attorney
The first step to filing Chapter 13 Bankruptcy in Johnson City is to take a credit counseling course and fill out the Chapter 13 Bankruptcy forms. Once complete, take them to the clerk in the federal bankruptcy court in Greeneville. You will be assigned a case number. There are a number of ongoing duties during the course of the Chapter 13 bankruptcy. You must attend a hearing with a trustee, submit documents to the trustee, and get your Chapter 13 plan confirmed. The Chapter 13 Bankruptcy plan is at the heart of your bankruptcy. It sets out a 3 to 5 year plan to get out of debt. With the help of an attorney in Johnson City, you can prepare your Chapter 13 Bankruptcy plan and file it with ease. Having an attorney represent you will also grant you additional protections from creditors prior to filing chapter 13 bankruptcy. Your Chapter 13 plan payments will be set, and you will make those during the course of your plan. Make sure tax returns are filed and sent to the trustee. It is required to send the returns to your trustee during the course of your Chapter 13 bankruptcy. After your 3 or 5 year plan is completed, and all your duties fulfilled, you will receive your Chapter 13 discharge. At this point you will be free of debt, other than long-term obligations such as mortgages. Call or click for a free consultation with an attorney if you need help filing Chapter 13 bankruptcy in Johnson City.


Need Help Filing Chapter 13 Bankruptcy in Johnson City?

Filing Chapter 13 Bankruptcy can be near impossible without the right help. It requires the creation of a plan that lasts 3 to 5 years, negotiations with creditors and the Chapter 13 trustee. Sometimes an impartial set of eyes from an experience Chapter 13 lawyer near Johnson City can help. If you believe you need help filing chapter 13 bankruptcy from an affordable attorney near Johnson City, let us know

Click through the Cisowski Law Debt Relief Process

Come let Cisowski Law help you file Chapter 13 Bankruptcy

  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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Cisowski Law Bankruptcy Services

We help prepare and file your Chapter 7 bankruptcy. Don’t fall into the pitfalls of Chapter 7. Let us help. Filing Chapter 7 Bankruptcy can be affordable and simple with the right help If you are in Johnson City and need help discharging your debts through Chapter 7 bankruptcy, call or click for a free consultation.

Cisowski Law can help you consolidate and pay your debts through a Chapter 13 bankruptcy. We help put together a plan that is affordable for you. Our Chapter 13 process makes it easy to file Chapter 13 bankruptcy. Chapter 13 is a powerful form of debt consolidation that allows you to set the terms.

If you are in Johnson City and need a plan to pay your debts that works with your budget, let us know. We explain the how, when, and where to file Chapter 13 Bankruptcy and guide you through all the steps to declare bankruptcy and eliminate debt.

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 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. 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 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 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.