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5.0
Based on 143 reviews

Founded in 1993 with trust

A Knoxville, Tennessee Bankruptcy Law Firm

 

Wipe Out Debt, Keep Your Property, and Rebuild Your Credit

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Combined Experience

With Cindy Lawson & Associates P.C. – We stand behind the numbers. We are the most experienced bankruptcy law firm in all of Knoxville, Tennessee

Founded in 2000 with trust

Attorneys You Can Trust

Why choose Cindy Lawson & Associates P.C. over other bankruptcy law firms? Simply put, our commitment to our clients and our one-on-one attention we give each one of the clients we represent.

City of Knoxville Tennessee
United States District Court Eastern District of Tennessee

Get A Fresh Start

Wipe Out Debt + Save Your Property + Rebuild Your Credit

We Help You Wipe Out Debt & Keep Your Property

We HELP You Rebuild Your Credit

Most people choose this type of personal bankruptcy because it doesn’t require you to repay any portion of your debt to creditors. It is also known as liquidation bankruptcy, and it can save your home, save your car, and stop creditor harassment with an automatic stay. Most people choose this type of bankruptcy because it eliminates all unsecured debt at discharge and allows for a fresh start. The United States Bankruptcy Code sets who qualifies for Chapter 7 Bankruptcy, and they are:

  • Have not filed bankruptcy in the last 6-8 years (dependent upon the type of bankruptcy filed )
  • Must pass the means test

Areas of Expertise

Chapter 7

Most people choose this type of personal bankruptcy because it doesn’t require you to repay any portion of your debt to creditors. It is also known as liquidation, and it can save your home, save your car, and stop creditor harassment with an automatic stay. Most people choose this type of filing because it eliminates all unsecured debt at discharge and allows for a fresh start. The United States Bankruptcy Code sets who qualifies for Chapter 7 Bankruptcy, and they are:

  • Have not filed in the last 6-8 years (depends on type filed)
  • Must pass the means test

Chapter 13

Chapter 13 is sometimes referred to as the “wage earners” plan; it allows you to pay for your unsecured debts interest-free over a 3-5 year period. This payment plan is income-based; what you can afford. To qualify for a Chapter 13 in Tennessee; your debt must not exceed:

  1. $1,149,425
  2. or $383,175 in unsecured debt

Learn more about Chapter 13 its advantages and its disadvantages.

How Cindy Lawson & Associates P.C. Can Help

We help good people through bad times.

Stop Foreclosure

Knoxville is a city that can be scary for homeowners who are behind on their mortgage payments and facing foreclosure. It’s not usually the uncertainty of what to do, but it brings up anxiety in people because they don’t know where to turn when faced with this situation. Luckily there are options available!

Stop Creditor Harassment

Filing for bankruptcy can remove the stress of constant phone calls, texts and letters from debt collectors. Do not let them take over your life with continual hounding on payments! With Chapter 7 bankruptcy you will have that burden lifted off your shoulders.

Stop Wage Garnishment

Wage garnishment is a serious situation that can make life difficult for even the most financially stable. It works by taking part of your earnings every week, making it hard to save up money or pay off debts in an emergency. However, with proper planning and budgeting you may be able to get back on track through bankruptcy as well!

Medical Debt

Medical debt is a common issue that many people face in their lives, from the moment they are born until death. It can be frustrating to deal with and often leads to bankruptcy filings for those who have no other way out of their spiraling finances. Bankruptcy affords relief by quickly eliminating medical debts as well as any associated harassing phone calls or threats of lawsuits which leave you feeling helpless against creditors.

Get a Fresh Start!

We want to help you get your life back. We offer free consultations and the ability to file your bankruptcy online. We can meet remotely or in person. The choice is up to you.

Speak directly with an attorney:

+1 (865) 938-0733

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Cindy Lawson & Associates Brings Together
75 + years of Combined Experience

Our lawyers have been representing personal bankruptcy clients of over two decades and have helped Knoxville residents save millions of dollars in debt.

Meet the Founder & Attorneys

Jenna S. Knoxville, TN

I was really worried and hesitant towards filing for bankruptcy and I wasn't sure where to turn, but Lawson & Associates were very helpful in understanding the choices that needed to be made.

Tom S. Knoxville, TN

I was in some serious debt, my pay check was already being garnished and I was afraid I was going to loose my home but Cindy Lawson helped me file and saved my life.