Franklin County Bankruptcy Attorney
Last updated on March 13, 2026
Filing for bankruptcy may offer relief from overwhelming debt, but understanding which type fits your situation requires careful review. A skilled bankruptcy attorney from Franklin County can evaluate your financial circumstances, explain your options under federal law and help you move forward with confidence during a challenging time.
At Kessler Law, I handle bankruptcy cases with the same disciplined preparation I’ve applied throughout decades of courtroom work. Clients work directly with me to assess whether Chapter 7 or Chapter 13 aligns with their goals, income and assets. I provide clear explanations of the filing process, eligibility requirements and what to expect after submitting your petition.
Chapter 7 Versus Chapter 13 Bankruptcy
Chapter 7 bankruptcy discharges most unsecured debts within a few months, but requires passing a means test based on income and household size. This option works well for individuals with limited income who cannot repay debts through a payment plan. A Chapter 7 attorney can review your income, assets and exemptions to determine whether you qualify.
Chapter 13 bankruptcy involves a three- to five-year repayment plan that allows you to keep certain assets while addressing debts over time. This option suits individuals with regular income who want to protect property or catch up on secured debts like mortgages or car loans. A Chapter 13 lawyer structures the plan based on your monthly budget and required payments.
Questions About Bankruptcy Filings And Outcomes
Understanding bankruptcy’s effects on credit and assets helps you weigh whether filing serves your long-term interests. Below are common concerns clients raise during consultations.
Will filing for bankruptcy stop wage garnishment and creditor calls?
Yes. When you file for bankruptcy, federal law imposes an automatic stay that blocks creditor collection activities, including wage deductions, phone contact and legal claims. The stay becomes effective once your petition reaches the bankruptcy court. Collection efforts must cease unless a creditor secures judicial approval to proceed, an outcome reserved for particular situations.
What income or assets can disqualify someone from Chapter 7 bankruptcy?
Income above your state’s median for your household size may require passing a means test that examines disposable income after allowed deductions. Significant nonexempt assets, such as second homes or valuable collections, may also affect eligibility. Bankruptcy legal filing rules allow exemptions for basic property and a bankruptcy attorney from Tennessee can review what you can protect.
How long does a bankruptcy filing stay on a credit report?
A Chapter 7 filing remains on your credit report for 10 years from the filing date. Chapter 13 lasts for seven years. While this affects your credit score initially, completing the process removes the burden of unpaid debts and allows you to rebuild credit over time.
Evaluating bankruptcy eligibility advice and understanding debt elimination strategies requires a thorough review of your financial situation. Debt relief legal counsel should focus on long-term stability, not temporary fixes.
Call Me And Let’s Discuss Your Debt Relief Options Directly
If debt collection or financial instability has disrupted your household or caused injury to your life, bankruptcy may provide the financial reset you need. Contact Kessler Law at 931-767-0707 or message me online to discuss your options. I provide straightforward bankruptcy guidance and help clients in Tennessee move forward in life.