contact Cisowski Law
Request a Free Case Evaluation or contact with any questions
email: oliver@cisowskilaw.com
phone/text: (423) 342-4722
In office: 3119 Bristol Hwy Ste 217, Johnson City, TN 37601
If you need bankruptcy help from an affordable attorney in Elizabethton, Johnson City, Kingsport or surrounding areas, schedule a free consultation or fill out your information below to request a free case evaluation.
Directions
- 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 onto Roan Street North toward Bristol Hwy
- Take the right onto Bristol Hwy
- Cross the first light and enter the Northridge Centre location where there is a Rock’s Wood Fire Pizza
- Enter the double doors under the orange awning to the right of the Rock’s Woodfire Pizza patio
- Cisowski Law ill be on floor 2 suite 217 at the end of the hallway.
- 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
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 near you 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 you 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 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 you and can assist you with filing your bankruptcy case.