ZERO MONEY DOWN BANKRUPTCY

The law offices of Andrew Farmer are aware and understanding of the tough times you may be going through. Financial problems can cause a considerable amount of stress. Fortunately, there is relief available with Andrew Farmer Law. Bankruptcy can stop foreclosure, eliminate most debt, stop wage garnishment, stop repossessions, and protect your property.

We are currently offering our Ch 11 bankruptcy service at $0 down, meaning it doesn't cost anything to begin the process with Andrew Farmer Law.
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We help debtors in Knox County, Jefferson County, and Sevier County in cases involving:

CHAPTER 7 BANKRUPTCY

Involves a liquidation of certain assets to pay creditors, and the discharge of all eligible debt.

CHAPTER 13 BANKRUPTCY

Involves a reorganization and repayment of debt.

Bankruptcy proceedings are complex, and you should only file if you fully understand all the pros and cons as they will affect your specific situation. Our bankruptcy lawyers will be honest and straight-forward in our assessment of your financial situation so you can make the right choice based on your needs and goals.

We encourage you to read through the steps of the process below and complete the secure, online form to receive more information regarding how we can help.

Put Experience On Your Side

Founding attorney Andrew Farmer is one of the most sought after and successful legal professionals in the area and was elected to the Tennessee House of Representatives in 2012. As a lawmaker himself, he is uniquely qualified to protect clients’ rights and interests both inside and outside the courtroom.

Andrew has also received accolades and awards from many respected institutions, including the Tennessee Bar Association and the National Academy of Criminal Defense Attorneys. He is known for his legal acumen and his relentless, results-driven counsel across a broad range of practice areas. The opposition stands little chance in the face of such determination and skill.

AN OUTLINE OF THE BANKRUPTCY PROCESS

STEP ONE:

Your first step in filing a Chapter 7 Bankruptcy is to make sure you qualify and go over what it means to file Chapter 7 Bankruptcy.

STEP TWO:

Pay your fees. At your consultation you will be quoted a price for filing Chapter 7 with our office, including the attorney fees and all costs associated with your case.

STEP THREE:

Complete your first Credit Counseling Course. You will be given login information to do this.

STEP FOUR:

Once you have completed the first course, you will need to complete the packet given to you. The packet will contain additional information that we need from you to complete your petition. DO NOT DO ANYTHING THAT WILL CHANGE YOUR FINANCIAL STATUS AS OF THE DATE OF YOUR APPOINTMENT.

STEP FIVE:

You will attend your signing appointment. We will go over your petition with you to make sure everything is accurate. If something needs to be corrected, it will be done at this stage.

STEP SIX:

We will file your case with the court and send you a letter with your court date, time of court, case number and Trustee. You will also get a notice from the Court.

STEP SEVEN:

Attend your court hearing (also called the creditor’s meeting). Make sure that you bring your driver’s license and social security card with you at your court hearing or your case will be rescheduled by the Court.

STEP EIGHT:

Complete your second counseling class. You will use the same login information used from your first Credit Counseling Course. This class must be completed within 45 days of your court appearance or the court may dismiss your case and your debts will not be discharged. You would have to start all over again if you fail to do this, including payment in full a second time.

STEP NINE:

The court will issue your discharge and we will send you a letter letting you know when this occurs. Your discharge is the clearing of your debts and usually comes within 70 days of your court hearing.

STEP TEN:

The Court will close your case once the trustee has made their final report. There is no time frame on this but often occurs within 30 days of your discharge.

STEP ELEVEN:

Work on rebuilding your credit and enjoying your “fresh start”

Skilled Advocacy, Proven Results

Attorney Andrew Farmer's legal experience gives him a unique perspective while defending his clients from misuse of the law.

Although any legal issue will present challenges, the right approach will give you the best opportunity for a positive result. You can experience peace of mind when your case is in the competent hands of our Sevierville attorneys.

Call (865) 428-6737 today for a confidential consultation and find out what Andrew Farmer Law can do for you.