Chapter 13

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Chapter 13 Bankruptcy Attorney In Chattanooga, Tennessee

What Is A Chapter 13 Bankruptcy?

Like most other states, Chattanooga’s Chapter 13 bankruptcy is designed to be a structured payout to creditors; rather than wiping the slate clean, it’s a reorganized debt that gives the Debtor more time to pay. The Chapter 13 plan does not necessarily require all creditors to be paid in full. A good Chapter 13 plan is tailor-made just for you.


Your plan should not be a cookie-cutter prepared by a non-attorney. In our office plans are always calculated by an attorney because there are so many tricky nuances in the law that might not be noticed by a non-attorney. Chapter 13′s are common in cases where there are mortgages or other loans that need to be reinstated and brought current, taxes or child support that cannot be wiped clean, or simply moral convictions that debts should be paid.

Contact Kenneth C. Rannick, P.C. to schedule a consultation with a lawyer today. 423-205-7744

How Chapter 13 Bankruptcy Works

Chapter 13s require a regular income with a disposable income left over after paying for your basic living expenses. Chapter 13 filings require a detailed repayment plan for a three-to-five year period. Debts will need to be prioritized, with all top-priority claims (such as recent taxes) paid in full. Chapter 13 plans involve making a monthly payment to the court’s bankruptcy trustee, who then distributes the payment to the various creditors according to the Court approved plan.

Commonly, Chapter 13 plans:

  • modify and reduce car payments,
  • stop interest and penalties from further accruing on unsecured tax claims, and
  • defer collections while more important other claims are paid.


Recently we have been successful in eliminating second mortgages on houses where the value of the house is less than the payoff of the first mortgage. Sometimes we look at a Chapter 7 case but then determine that a Chapter 13 plan is a much better “fit”.

We Help You Take Control of Your Financial Future!

The plan is not slavery. We will work together with you to craft a plan with the goal to help you regain hope and regain control of your financial future. If you cannot complete the repayment plan as it’s agreed on, Chattanooga bankruptcy law does allow several other alternatives. Perhaps you might be eligible for a hardship discharge, you might convert to Chapter 7, or your case could be dismissed. We walk you through that process too. You can meet with us for a free case evaluation. Make an appointment for a meeting soon.“Your Chapter 13 plan is administered by a court-appointed Chapter 13 Trustee. The Trustee in the Eastern District of Tennessee is C. Kenneth Still, Trustee, P.O. Box 511, Chattanooga, Tennessee 37401-0511, 423/265-2261. The Trustees office hours are from 8 a.m. – 4 p.m. Monday – Thursday and 8 a.m. – noon on Friday. Payments may be mail to the PO Box or hand-delivered during office hours. The Trustees office does not accept cash payments. Your Chapter 13 record of receipts and disbursements can be obtained by you online 24 hours a day by logging on to www.trustee13.com. Your user id to obtain your records is your case number (you need to include the hyphen after the first two digits of your case number) and your password is the last four digits of your social security number.”

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We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

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