Filing Chapter 13 Bankruptcy in Kingsport
If you need help filing Chapter 13 bankruptcy near Kingsport, call for a free consultation. Cisowski Law can help file a plan to get you out of debt
Need Help Filing Chapter 13 Bankruptcy in Kingsport?
Without the right help, it can be difficult to file Chapter 13 bankruptcy in Kingsport. If you think you need help, Cisowski Law has procedures to prepare a plan and file your chapter 13 bankruptcy. We can put you back on track by putting together an affordable chapter 13 plan that fits within your budget.
Cisowski Law is a chapter 13 bankruptcy attorney near Kingsport. We help file Chapter 13 plans that will give you a fresh start free of debt. Call or click for a free chapter 13 bankruptcy consultation near Kingsport.
Come let Cisowski Law help you file Chapter 13 Bankruptcy
- 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
- 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.
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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 Johnson City, you file your Chapter 7 Bankruptcy in Greeneville. A bankruptcy attorney in Kingsport will be able to prepare your Chapter 7 and file your forms and represent you in Greeneville.
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 Kingsport and can help file your Chapter 13.
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.
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.
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.
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 filing your bankruptcy case.