call for a consultation
call for a consultation
If you are making the difficult decision to pursue Chapter 7 bankruptcy in Tennessee, it is important that you have the right legal support to guide you through the process efficiently and effectively. A Cleveland, TN, Chapter 7 bankruptcy lawyer from Mark T. Young & Associates can help make this process smooth and digestible.
At Mark T. Young & Associates, we know that this process can elicit a lot of fear and questions, and we are here to address your concerns. With the complexities of bankruptcy law in Cleveland, Tennessee, it is vital to have a legal advocate who can ensure you go about this in the right way.
When you are looking to hire a Chapter 7 bankruptcy lawyer in Cleveland, TN, consider us at Mark T. Young & Associates. With over 30 years of experience navigating Chapter 7 bankruptcy laws and Chapter 7 bankruptcy cases for clients, Mark T. Young is the legal advocate you want in your corner. Not only does he take time to fully understand each client’s unique situation, but he can also create a tailor-made plan to address clients’ unique needs.
Filing for bankruptcy is common. In fact, in a recent month, there were 46,226 filings for bankruptcy, showing not only the need for education around what bankruptcy is but also for quality legal representation.
Chapter 7 bankruptcy is the legal process used by individuals and businesses to navigate crippling debts that they are unable to pay. If this sounds like your situation, it may be time to meet with a trusted bankruptcy lawyer to learn your next steps.
To file for Chapter 7 bankruptcy, you must meet the filing requirements. This includes a means test that shows your income is below the state median, credit counseling with an approved agency, and having not applied for Chapter 7 bankruptcy within the past 8 years.
If you are located in Cleveland, one of the closest places to file is with the U.S. Bankruptcy Court for the Eastern District of Tennessee, which serves Cleveland and Bradley Counties. The Courthouse is located at 31 East 11th Street in Chattanooga.
A Chapter 7 bankruptcy attorney can help in several key ways that can ultimately influence the outcome of your case. A lawyer can evaluate your case and give you clear guidance on how to ideally move forward. Lawyers can conduct the means test that is needed to qualify for Chapter 7 to ensure you meet the federal income requirements and review your debts to understand which can or cannot be discharged in Chapter 7.
Lawyers can help with the unsavory parts of legal cases, like handling legal paperwork, ensuring there are no errors, and meeting key deadlines. Your lawyer can also act as an intermediary, handling key communication with creditors and representing you in court if necessary. If a creditor objects to your petition, your lawyer can handle this complexity on your behalf, which can save you time, effort, and peace of mind
A: The costs involved with filing Chapter 7 bankruptcy in Tennessee can vary, depending on each unique case. At a bare minimum, Chapter 7 bankruptcy can cost $338 in court filing fees, and costs can get added on for the inclusion of other factors, such as attorney fees, travel fees, credit counseling courses, and other applicable aspects.
A: The costs of hiring a Chapter 7 bankruptcy attorney in Cleveland may depend on several factors. A lawyer’s fees can be dependent on several factors, including the complexity of the case, the attorney’s experience level and reputation, and their fee structure. While working with a lawyer may be an added fee, it can be extremely worth it to hire a lawyer, as they can help you throughout the complex legal process and ensure that you receive a fair case.
A: There is no specific income limit for filing Chapter 7 bankruptcy in Tennessee; rather, the court performs a means test. The means test will compare your income with the state’s median income for your household size. The means test is in place to prevent misuse of the bankruptcy system, as it can ensure that higher-income debtors who can actually afford to repay their creditors are unable to file for bankruptcy.
A: Several factors could disqualify you from being eligible for Chapter 7 Bankruptcy in Tennessee. A main factor is that you fail the means test because your income is too high. Another factor is that you’ve filed for Chapter 7 bankruptcy within the past eight years, as you are required to wait eight years from the day you filed Chapter 7 bankruptcy previously. Another reason may be that you’ve failed to follow the proper procedures required by the court.
A: The timeline of the Chapter 7 bankruptcy process in Tennessee varies from case to case. There are many factors that influence the timeline of each case, including how complex it is, whether there are creditor objections, and any incomplete requirements. Other influences can impact the overall timeliness of each case, including how quickly your attorney is able to turn around their work, how easy or hard it is to track key paperwork, and whether the court has any backups.
If you are navigating the Chapter 7 bankruptcy process and have questions or concerns and don’t want to do it alone, reach out to the team at Mark T. Young & Associates today to set up an initial consultation. By setting up this initial meeting, you are giving yourself a shot at a fairer and smoother legal process that not only meets all legal requirements but can also take much of the burden and weight of this experience off your shoulders.
At Mark T. Young & Associates, We Get You The Help You Need.
Fields marked with an * are required
"(Required)" indicates required fields
© 2025 Mark T. Young & Associates. All Rights Reserved.
Digital Marketing By:
