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 The Road to a Debt Free Life

 

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A job loss, extensive medical treatment, divorce or other changes in your life can drastically affect your ability to meet monetary obligations. Your debt becomes overwhelming. If you’re having trouble paying the bills each month or are facing foreclosure on your home, the time to take action is now by hiring a bankruptcy lawyer in Johnson City.  


Talk to a personal bankruptcy attorney in Johnson City from our firm before you hire a debt consolidation agency. Not only can filing for bankruptcy cost you significantly less money, but it will give you the opportunity to rebuild your credit more quickly. And if debt consolidation proves to be the better option for your situation, we will help you through the whole process. 

Retaining an experienced personal bankruptcy attorney in Johnson City can make a huge difference to your future financial situation. With over 44 years of experience, we have the expertise to guide you in navigating your tough financial hurdles. We act immediately to stop foreclosures and distressing phone calls from your creditors. 


Get back on track and reclaim the life that you deserve. Contact The Pope Firm today for a free consultation with a bankruptcy lawyer in Johnson City to find out if filing bankruptcy is the right move for you.


 

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

 

Chapter 7 bankruptcy is known as “straight” bankruptcy or “liquidation” bankruptcy. It requires you to give up property which is not “exempt” under the law, so the property can be sold to pay creditors. However, for Tennessee residents, up to $10,000 in personal property can be protected per individual in addition to a certain amount of equity in your home.  Generally, people who file Chapter 7 keep all of their belongings except property which is very valuable or which has been used as collateral for a loan and the client wishes to surrender the property and discharge the balance of the loan.

Chapter 13 bankruptcy is a type of “reorganization” used by people to pay all or a portion of their debts over a period of years. In a Chapter 13 bankruptcy you file a “plan” that shows how you will pay off some of your past-due and current debts over three to five years. Importantly, a Chapter 13 bankruptcy will allow you to keep valuable property, such as your home or car, that might otherwise be lost in a Chapter 7 bankruptcy.

 

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