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Best Bankruptcy Attorneys in Knoxville

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Joyner Law Firm, PLLC logo
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Joyner Law Firm, PLLC

210 North Broad Street, London, KY 40741
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Joyner Law Firm, PLLC is a Knoxville law firm with bankruptcy attorneys dedicated to helping clients facing mounting debt and who are looking into filing for bankruptcy. The firm assists individuals filing for chapter 13 bankruptcy so that they can set up a reasonable debt repayment plan. The Joyner Law Firm, PLLC also assists in filing for chapter 7 bankruptcy, the most common type used by single individuals and married couples, as well as partnerships and corporations.

Reputation:

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5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Kennerly Montgomery logo
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Kennerly Montgomery

Knoxville, TN 37902
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  • Chapter 13 Bankruptcy

Business Description

Kennerly Montgomery is a general law firm in Knoxville that has been providing quality legal services for 100 years. The firm has evolved over the years but still retains its personalized approach to legal counsel, representing clients in areas of business and corporate law, elder law, and family law. Its creditor's rights and bankruptcy attorneys represent insurance companies, financial institutions, account creditors, and lenders. Practice areas also include employment law, estate planning, and real estate law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Mayer Newton, Bankruptcy Specialist logo
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Mayer Newton, Bankruptcy Specialist

1111 North Northshore Drive Suite 570, Knoxville, TN 37919
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Mayer and Newton was originally two different law firms before merging in 2006. It provides legal services to clients through its offices in Knoxville, Sevierville, and Morristown. Its bankruptcy lawyers provide guidance to clients planning to file for bankruptcy. It also helps clients stop foreclosures, garnishments, and repossessions through bankruptcy. Both partners, Richard and John are a charter member of the National Association of Consumer Bankruptcy Attorneys (NACBA).

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (350)
Avvo
5.0 / 5 (7)
FindLaw
4.5 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
The Law Office of William Gribble logo
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The Law Office of William Gribble

550 East Broadway Avenue, Maryville, TN 37804
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  • Chapter 7 Bankruptcy

Business Description

The Law Office of William Gribble helps families and individuals in Knoxville who are struggling with debt. Gribble and his team of legal professionals take charge of all the tasks necessary for bankruptcy proceedings, such as filing the necessary paperwork and compiling financial records. The firm also assists homeowners who are facing foreclosure threats by negotiating loan modifications or refinancing with lenders. William Gribble acquired his law degree from the University of Memphis School of Law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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William E. Maddox Jr., L.L.C. logo
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William E. Maddox Jr., L.L.C.

608 Mabry Hood Road, Knoxville, TN 37932
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt
  • Student Loan Debt

Business Description

The law office of William E. Maddox Jr., L.L.C., has over two decades of legal experience in the Knoxville area. Its main areas of practice are bankruptcy, wills, and business transactions. The bankruptcy law firm aims to help clients climb out of debt through the debt relief plans it develops. Clients have the option of filing for chapter 7 or chapter 13 bankruptcy. The law firm also provides alternatives to bankruptcy, including repayment plan extensions and lump-sum partial payments.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (44)
Facebook
5.0 / 5 (11)
Avvo
5.0 / 5 (4)

(+2 additional sources)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Wykoff & Sikes, PLLC logo
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Wykoff & Sikes, PLLC

P.O. Box 31526, Knoxville, TN 37922
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Wykoff & Sikes, PLLC is a legal practice supporting Knoxville and surrounding areas. The bankruptcy lawyer of the firm, Wayne Wykoff, handles insolvency cases under bankruptcy chapters 7 and 13, depending on the goals and financial capability of the client. Wykoff & Sikes, PLLC is able to help clients receive relief from certain types of debts or reorganize their finances and assets under a new debt payment plan. Wykoff & Sikes, PLLC can also handle cases involving personal injury, family law mediation, and Social Security disability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Avvo
5.0 / 5 (16)
Justia
10.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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