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    • Credit Card Bills
    • Medical Bills
    • Foreclosure Process
    • Wage Garnishment
    • Creditor Harassment

    Types of Bankruptcy Cases

    Bankruptcy Attorneys in East Tennessee

    Serving Kingsport, Johnson City, Bristol and Surrounding Communities including SW VA

    Charles Pope has over 25 years of experience helping individuals and companies file for bankruptcy. His background knowledge in corporate, lending, and accounting make him Johnson City’s leading litigator to you file bankruptcy. He has industry qualifications in many of the sectors which are currently experiencing challenges, e.g. trucking, real estate, small businesses, and financial concerns. Whether you need help with personal or business bankruptcy, we are here to help.

    Don’t hire a debt consolidation agency! Filing a Chapter 7 bankruptcy costs you significantly less money and gives you the opportunity to rebuild your credit more quickly. Let Pope help you file chapter 7 bankruptcy debt consolidation. Our law firm represents clients who need help with chapter 7 bankruptcy law.

    Need help restructuring your finances? Filing a chapter 11 or chapter 13 may be the answer for you. We understand that life’s major changes like the loss of a job, medical bills, student loans, and divorce can really play a number on your wallet and put you in a positions unable to pay your monthly bills. Ask Pope about chapter 11 or chapter 13 bankruptcy. If you are facing foreclosure on your home, the time to act is now.

    The Types of Bankruptcy Available in Tennessee

    There are a few different types of bankruptcy which you can file for depending on your personal situation. Each of them has their own advantages and disadvantages when it comes down to it.

    Chapter 7 bankruptcies are used to wipe away pretty much all of your unsecured debts. This option shouldn’t be taken lightly, however, as it can only be filed for once every seven years and the effects on your credit are quite devastating.

    Filing for a Chapter 7 will require you to give up all property not covered under possessions as well. Most people who are at the point of taking this option will find themselves without any assets left to sell, and this leads to a “no-asset” bankruptcy.

    Chapter 11 can be used by a few individuals, such as a business, who has to clear up large debts.

    Chapter 12 is a special type of bankruptcy which is reserved solely for family farmers.

    Chapter 13 bankruptcies are a longer process. Instead of giving up your assets you’ll be forced to live on a strict budget that is monitored closely by the bankruptcy court trustee. If you fail to make your payments, then the debts you were seeking to absolve will remain in place.

    It’s most commonly used by those who have fallen far behind on secured debts such as mortgages, and want to use a Chapter 13 to catch up over time. The means test is used to determine whether or not you’ll be able to qualify for this type.

    The Types of Bankruptcy Available in Tennessee

    You can use the Court Locator to easily find the place closest to Johnson City and get the process started, but there are a couple of things you should take care of first.

    Using an attorney is a vital part of this process, they’ll know the laws better than you and can help guide you through this stressful and complicated process. It’s always a good thing to have someone on your side who knows the ins and outs of this complicated piece of law otherwise big errors can be made.

    Before you get with your attorney, have the following ready:

    • Records of major financial transactions for the two years prior
    • Records of monthly living expenses
    • Paperwork on all debts, secured and unsecured
    • Records of all of the property you own
    • Deeds to any property you own
    • Tax returns for the last two years
    • Documentation of any loans

    Once you have your paperwork in hand, you and your lawyer can get the process started as smoothly as possible in order to get things on their way.

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