Find out if you qualify for bankruptcy relief and which option best suits your situation in just a few minutes. Answer a few quick questions and get personalized bankruptcy advice from Tennessee bankruptcy attorneys at The Pope Firm.
To begin, we’ll need some basic information about your financial situation. This includes your household income and employment status, the amount of debt you have (such as credit cards, medical bills, personal loans, or mortgages), and details about your assets, including any property, vehicles, or retirement accounts. We’ll ask whether you’ve experienced any financial hardships, such as job loss, medical emergencies, or other significant setbacks.
This information will allow our bankruptcy lawyers to calculate your eligibility for bankruptcy and determine the best option for you.
We'll compare your income to Tennessee's median — the first step of the means test.
Estimates are fine — this helps identify which chapter of bankruptcy applies to you.
If you qualify for Chapter 7 Bankruptcy, you may be able to eliminate most of your unsecured debt, such as credit cards or medical bills, within just a few months. This option is ideal for individuals with limited income who need a quick solution to discharge debt and start fresh. It stops creditor harassment and helps you move forward without the weight of overwhelming financial obligations. For those with little to no non-exempt assets, Chapter 7 provides a clean slate in a relatively short period.
Chapter 11 Bankruptcy is designed for businesses or individuals with complex financial situations who need to restructure their debt while keeping their assets intact. This option allows you to reorganize your financial affairs under a court-approved plan, enabling you to pay off creditors over time.
This bankruptcy type is ideal for business owners who want to stay operational or individuals with substantial debt who need more time and flexibility to repay. Chapter 11 is a more involved process and generally takes longer to resolve, but it offers the opportunity to keep control of your business or personal property during the process.
If you have a regular income and want to catch up on missed payments while keeping your property, Chapter 13 Bankruptcy might be the best choice for you. It creates a 3-5 year repayment plan that allows you to restructure your debt and repay it over time. This option is particularly beneficial for those at risk of losing their home or car who can repay their debts in installments. By following a court-approved plan, you’ll be able to keep your assets and reduce your debt burden without losing everything in the process.
Get a fresh financial start today. Call The Pope Firm at 423‑929‑7673 or fill out the form to receive your personalized bankruptcy analysis. Our bankruptcy law firm is here to help you through every step of the bankruptcy process with trusted legal support.
Here are the answers to some of the most frequently asked questions about The Pope Firm’s bankruptcy evaluation and filing.
The calculator provides a reliable estimate based on federal guidelines and the details you enter. It helps the bankruptcy attorneys at The Pope Firm Johnson City identify which bankruptcy options may apply, with our bankruptcy attorney confirming everything during your consultation.
No. Using the calculator does not start a bankruptcy case. It is a free tool from The Pope Firm designed to help you understand your options before speaking with an attorney.
Once our bankruptcy attorneys file your bankruptcy case, an automatic stay usually takes effect immediately. This stops most collection calls, lawsuits, wage garnishments, and foreclosure actions.
In many cases, clients working with The Pope Firm are able to keep their home, vehicle, and essential property. This depends on your income, assets, and the type of bankruptcy you qualify for.
With The Pope Firm, Chapter 7 cases typically take a few months, while Chapter 13 cases follow a repayment plan lasting three to five years. More complex cases may take longer.
