Business Details
20 Years
experience
Emergency
services
Your Trusted Knoxville Bankruptcy Lawyers
Founded in 2006, our firm specializes in consumer bankruptcy law, with over 60 years of combined experience from attorneys Richard Mayer and John Newton. We have successfully filed more than 50,000 cases in the Eastern District of Tennessee, offering tailored solutions for Chapter 7, Chapter 13, and business Chapter 11 bankruptcies. Our team includes board-certified bankruptcy attorneys and experienced paralegals who provide compassionate, client-focused service. We prioritize transparency, offering free consultations and $0 down payment options for qualifying cases.Recognized for our expertise in debt relief, we help clients stop garnishments, foreclosures, and creditor harassment while navigating complex bankruptcy processes. Our attorneys' unique backgrounds, including John Newton's role as a Chapter 7 Trustee, give us unparalleled insight into both debtor and trustee perspectives. We maintain active memberships in the Knoxville Bar Association and American Bankruptcy Institute, ensuring our practice remains at the forefront of industry developments.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Creditor Harassment
Foreclosure Defense
Debt Relief
Details
- Year established: 2006
Highlights and features
- Over 60 years combined experience in bankruptcy law
- Successfully filed 50,000+ bankruptcy cases in East Tennessee
- Offer $0 down payment options for Chapter 7 and Chapter 13 cases
- Attorneys serve as Chapter 7 Trustee and have appellate court experience
- Maintain active memberships in American Bankruptcy Institute and local bar associations
Associations and certifications
- Board Certified Bankruptcy Attorneys
What people say
Very professional
Helped tremendously
Kind and knowledgeable
Stopped harassing calls
Peace of mind
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. Our board-certified attorneys help clients discharge credit card debt, medical bills, and personal loans while protecting exempt assets. With $0 down payment options and over 50,000 cases filed, we guide clients through the 3-4 month process to achieve debt relief. Our team ensures compliance with Tennessee's $25,000 homestead exemption and other state-specific protections.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into manageable 3-5 year payment plans. Our experienced attorneys help clients retain property while repaying secured debts and catching up on mortgage arrears. With $0 initial fees and personalized plans based on income and expenses, we assist with debt restructuring and court-approved repayment strategies. Our firm's 60+ years of combined experience ensures effective solutions for complex financial situations.
Foreclosure Defense
Our foreclosure defense services protect homeowners through bankruptcy filings and loan modification strategies. By leveraging automatic stay provisions, we immediately halt foreclosure proceedings while developing long-term solutions. With local court expertise in Knoxville's Eastern District, we help clients navigate Tennessee's homestead exemption laws and explore alternatives like short sales or deed-in-lieu arrangements.
Creditor Harassment
We stop creditor harassment through bankruptcy protections and Fair Debt Collection Practices Act enforcement. Our attorneys immediately cease collection calls, lawsuits, and wage garnishments through automatic stay implementation. With extensive experience in consumer rights advocacy, we help clients regain financial control while ensuring compliance with federal and state debt collection regulations.
Debt Relief Consultation
Our free debt relief consultations evaluate clients' financial situations to determine optimal solutions. Certified bankruptcy specialists analyze income, assets, and debt composition to recommend Chapter 7, Chapter 13, or alternative strategies. With three convenient locations in East Tennessee, we provide personalized assessments that consider local economic conditions and court requirements for maximum effectiveness.
People
Richard M. Mayer
Partner
Practicing bankruptcy law since 1986, Richard Mayer pioneered consumer bankruptcy specialization in Knoxville. As a National Association of Consumer Bankruptcy Attorneys charter member, he brings 35+ years of experience and Max Gardner Bankruptcy Boot Camp training to client representation.
John P. Newton
Partner
Chapter 7 Trustee since 1984, John Newton combines trustee perspective with debtor advocacy. With 15,000+ administered cases and six 6th Circuit Court appearances, he offers unique insights into bankruptcy proceedings while maintaining Foreclosure Defense Boot Camp certification.
Kevin S. Newton
Attorney
Building on family legal legacy, Kevin Newton provides modern bankruptcy solutions with focus on technological accessibility. He implements digital payment systems and virtual consultations while maintaining the firm's tradition of personalized client service.
Questions
What bankruptcy chapter should I file?
Chapter 7 eliminates unsecured debts quickly, while Chapter 13 restructures payments over 3-5 years. Our attorneys evaluate income, assets, and debt composition to recommend the optimal solution during your free consultation.
How much does bankruptcy cost in Tennessee?
Chapter 7 costs $338 and Chapter 13 costs $313 in court fees. We offer $0 down payment options and include credit counseling ($50-$100) in our comprehensive service packages.
Can bankruptcy stop foreclosure?
Yes, both Chapter 7 and Chapter 13 trigger automatic stays that immediately halt foreclosure. Chapter 13 specifically allows mortgage arrearage repayment over 3-5 years while maintaining current payments.
Do I qualify for Chapter 7 bankruptcy?
Qualification requires passing the means test comparing income to Tennessee's median. Our attorneys analyze your financial situation to determine eligibility during your free initial consultation.
How long does bankruptcy take?
Chapter 7 typically completes in 3-4 months, while Chapter 13 requires 3-5 years of payments. The process timeline includes mandatory credit counseling and court appearances specific to Knoxville's Eastern District.
Will bankruptcy affect my credit?
While bankruptcy appears on credit reports for 7-10 years, it provides immediate relief from collection actions and allows fresh financial start. Many clients rebuild credit within 2-3 years post-discharge.
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