Castalian Springs Chapter 13 Bankruptcy Lawyer

Trusted Chapter 13 Bankruptcy Attorney in Castalian Springs, TN

Whether you drive into Nashville each day for work or are employed at a business along Hartsville Pike, when you lose your job or have your hours cut, finances can grow tight, and catching up on bills might seem impossible. When you are stuck between a rock and a hard place financially, it can prove essential to hire a Castalian Springs Chapter 13 bankruptcy lawyer who can help resolve even the most complicated concerns regarding personal finances and debt.

Kerney Law Firm: Your Trusted Financial Advocate

For more than 20 years, the team at Kerney Law Firm has been serving clients across Gallatin County when it comes to filing for bankruptcy. Our Castalian Springs Chapter 13 bankruptcy attorneys have the skill and empathy required to help find workable solutions in even the most difficult cases. If you find yourself facing foreclosure or an overwhelming amount of debt, then Chapter 13 bankruptcy might be the correct option for you and your loved ones.

Understanding Chapter 13 Bankruptcy in Castalian Springs

In Tennessee, Chapter 13 bankruptcy can also be referred to as the “wage earner plan” or a “debt repayment plan.” In 2025, total bankruptcy filings rose 11% across the United States, and in 2024, there were 11,595 individual filings for Chapter 13 bankruptcy in Tennessee. In 2023, Chapter 13 bankruptcy filings were at 183,956 across the U.S.

In many ways, Chapter 13 bankruptcy can be similar to a debt repayment program, but there are a few substantial differences. Chapter 13 allows debtors to repay their creditors through a series of monthly payments spread over a number of years. Most individuals can expect to repay a portion of their debt and have the remaining debt qualify for discharge. The key aspects of Chapter 13 bankruptcy to understand in Castalian Springs include:

• Timeline. In this version of bankruptcy, the debtor can file a Chapter 13 plan with the correct bankruptcy court. This plan offers them a way to agree to make their strongest effort to pay off as much of the debt as possible within a certain time period. Under Chapter 13, there are certain debts that must be paid, including all priority claims, but there are also certain debts that can be discharged depending on the situation.
• Debt discharge. Generally, all secured debts need to be paid in full under Chapter 13, including all priority debts, like back taxes and child support. Any funds that are left over after payment of both secured and priority debts can then be split equally between unsecured creditors. Keep in mind that most unsecured debts that remain at the end of a bankruptcy case can be discharged.
• Repayment plans. In Chapter 13 bankruptcy, the debtor makes monthly payments to a bankruptcy trustee, which are used to pay off related debts.

At Kerney Law Firm, a bankruptcy attorney is here to review your financial situation and help determine whether filing for Chapter 13 bankruptcy is the right move to make to protect your assets and future. Tennessee bankruptcy laws and bankruptcy cases are tricky, and it can make all the difference to have a trusted legal advocate at your side in Castalian Springs.

The Key Benefits of Chapter 13 Bankruptcy

Most consumers in Tennessee choose Chapter 13 bankruptcy over Chapter 7 for a number of reasons. Chapter 13 bankruptcy comes with a number of benefits. For example:

• Creditor harassment stops.
• You have more time to make the necessary payments.
• You can catch up on payments that are past due.
• You can prevent the repossession of your property.
• Your home could be saved from possible foreclosure.

FAQs

How Do I Know if Chapter 13 Bankruptcy Is Right for Me?

In Tennessee, Chapter 13 bankruptcy can be right for a large percentage of people. This might be the ideal move for you to make if you and/or your spouse have enough income to make the required monthly payments, are within the necessary debt limitations, do not meet the eligibility requirements of Chapter 7 bankruptcy, and have not had a previous bankruptcy dismissed within a certain number of days prior to your current filing.

What Happens if Chapter 13 Bankruptcy Gets Dismissed in Tennessee?

In Tennessee, should a Chapter 13 bankruptcy filing be dismissed, the individual who owes debts can face severe consequences, such as the allowance of creditors to resume collection and the loss of the protection of the automatic stay. For this reason, it is essential to work closely with an attorney to reduce the chances of dismissal.

Can My Employer Fire Me for Filing Chapter 13 Bankruptcy?

No, your employer cannot fire you or discriminate against you if you file for Chapter 13 bankruptcy in Gallatin County or anywhere in the state of Tennessee. Most employers are aware of Chapter 13 bankruptcy and know that it is a federal law. While this filing may mean a little more work for payroll, it can stop you from dealing with the harassment of debt collectors. You can also be self-employed and file Chapter 13.

Are There Any Downsides to Chapter 13 Bankruptcy?

Yes, while for some people filing Chapter 13 bankruptcy is the right move, it can also have its downsides. In some cases, it can take years to complete Chapter 13 bankruptcy payments. You will likely lose all of your credit cards; it can become nearly impossible to secure a mortgage if you didn’t already have one, and it won’t relieve you of any obligations regarding child support, student debt, or alimony.

Hire an Honest Chapter 13 Bankruptcy Lawyer Today

Whether you are facing a foreclosure or mounting medical debt due to a health crisis, you deserve a fresh start. At Kerney Law Firm, we are here to help you seek just that. We are proud to offer free consultations, and when you hire a Chapter 13 bankruptcy lawyer from our firm, we are here to guide you and stand by your side every step of the way. To learn more about our services and to schedule your free consultation, we invite you to contact our offices today.

Castalian Springs, TN Chapter 13 Bankruptcy Resources

• Can I Keep My Tax Refund in Chapter 13 Bankruptcy?
• Chapter 13 Bankruptcy Dismissal in Tennessee
• Chapter 13 Bankruptcy Payment Plan Examples in Tennessee
• Preparing a Chapter 13 Payment Plan in Tennessee
• What You Should Know About Chapter 13