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Bankruptcy

Established Clarksville Bankruptcy Attorney Helps You Move Forward

Considerate Tennessee lawyer works to solve your financial problems

For many people, the right solution to overwhelming debt is to file for bankruptcy. At Eric M. Bittner Attorney at Law, I work closely with clients to understand their financial circumstances and devise a plan that will help free them from foreclosure actions, lawsuits, harassing phone calls, letters, wage garnishments and repossessions. As a debt relief agency, my firm helps clients understand Chapter 7 and Chapter 13 bankruptcy and decide which type of filing works best for them and then guides them through filing for bankruptcy relief under the U.S. Bankruptcy Code.

Helping you file Chapter 7 bankruptcy in Tennessee

Chapter 7 bankruptcy is also known as liquidation or straight bankruptcy. It offers debtors a fresh start by extinguishing their personal liability on debts. If Chapter 7 is a viable option for you, it can help you eliminate credit card debt, medical bills and personal loans. Most of these cases end in three to five months with a discharge of debt, but some debts, such as domestic support obligations, certain taxes and most student loans, are not dischargeable.

The Bankruptcy Code allows people to protect some property from the claims of creditors by claiming exemptions under Tennessee law. Exemptions may include:

  • Public assistance benefits
  • ERISA-qualified pensions and IRAs
  • Public employee and teacher pensions
  • Burial plots
  • Clothing and health aids
  • Up to $1,900 in trade tools
  • Up to $10,000 in any other property

A debtor may also opt to redeem an asset by paying the fair market value in one lump sum or reaffirm a debt and promise to pay all or a portion of the money owed. I work with you to help you keep the possessions and property you care about.

Creating Chapter 13 bankruptcy repayment plans

Chapter 13 bankruptcy can be a good solution for individuals with enough income to make monthly payments toward debts. Chapter 13 is a court-approved partial repayment of debts through a plan proposed by your lawyer. Your debts are restructured into one consolidated payment over three to five years. At the end of your plan payments, the remaining balances on most debts (such as credit cards, medical bills, unsecured personal loans, unsecured junior mortgages, and so on) are discharged, and any mortgages and taxes are paid current. Chapter 13 is especially useful for clients who are seeking to stop foreclosure proceedings or pay back taxes.

Helping creditors assert their rights under the law

At Eric M. Bittner Attorney at Law, I draw upon extensive experience in creditors’ rights and bankruptcy proceedings in handling issues such as unexpired leases and executory contracts, turnover of property, priority of claims, preferences, fraudulent conveyances and other avoidance actions. My office has also handled numerous matters involving relief from stays, post-petition financing and dischargeability. I also have extensive experience in real estate and other types of workouts, pre- and post-judgment attachments and garnishments, landlord-tenant law, and representing lenders in foreclosure proceedings.

Contact a highly responsive Clarksville attorney for help with the bankruptcy process

If you are considering bankruptcy, you need a trustworthy attorney who has your best interests in mind. Eric M. Bittner Attorney at Law provides individuals and families in Tennessee with assistance as they seek to ease their financial burden. To schedule a consultation, call my law office at 931-648-1234 or contact me online.

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Office Location
  • Clarksville Office
    132A Strawberry Alley
    P.O. Box 335
    Clarksville, Tennessee 37040
    Phone: 931-648-1234
    Fax: 931-648-1213