Will I lose my house or car?

Often, no. Tennessee exemptions and Chapter 13 repayment plans allow many people to keep their home and vehicle. We review your specific situation before you file so you know what to expect.

What's the difference between Chapter 7 and Chapter 13?

Chapter 7 wipes out most unsecured debt quickly for those who qualify. Chapter 13 sets up a court-approved repayment plan, which can help you catch up on a mortgage or car loan and keep property. We help you choose.

Will bankruptcy ruin my credit forever?

No. While it affects your credit for a time, many people are already struggling with damaged credit — and rebuild faster than they expect once the debt is gone and the calls stop.

How do I know if I qualify?

Eligibility depends mainly on your income, expenses, and debts (the "means test"). We evaluate your numbers and tell you honestly which options are available to you.

Bankruptcy Attorney in Rhea County, TN | Chapter 7 & 13

There is no shame in getting a fresh start. For many families, bankruptcy is the fastest, most reliable way to stop the harassment and get back on their feet — and we make the process as simple as possible.

How We Can Help

Bateman Law Firm helps individuals and families find relief from debt in Rhea, McMinn, Bledsoe, Roane, Meigs, and Monroe Counties, including:

Chapter 7 (liquidation / fresh start)
Chapter 13 (repayment and reorganization)
Stopping creditor harassment
Halting foreclosure and repossession
Wage garnishment relief
Medical, credit card, and personal debt
Means-test and eligibility review

The Path to a Fresh Start

Every situation is different, but our approach is consistent: understand your finances, choose the right tools, and guide you all the way through to a fresh start.

1. Review Your Finances & Options

We start with a free, confidential look at your situation — your income, your debts, and what you want to protect.

2. Choose the Right Chapter

We help you weigh Chapter 7 vs. Chapter 13 based on your income and goals, so you file under the option that fits.

3. File & Guide You to Discharge

We handle the paperwork and stand with you through the process, all the way to discharge.

Relief Starts With a Call

Once you file, the automatic stay goes into effect — stopping collection calls, garnishments, and most lawsuits. If debt has taken over your life, call (865) 935-9558 today — or reach the after-hours line at (865) 661-7393.

Bankruptcy Attorney