Claimed Lawyer ProfileQ&A
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- Credit Cards Accepted
Jurisdictions Admitted to Practice
- Eastern District of Tennessee
- Board of Professional Responsibility of the Supreme Court of Tennessee
- ID Number: 37659
- English: Spoken, Written
- Indiana University Maurer School of Law
- J.D. (2018)
- Honors: Cum Laude
- Activities: Legal Journal Moot Court Intellectual Property Law Association Labor Association CALI
- State Bar of Tennessee  # 036759
Websites & Blogs
- Cisowski Law Bankruptcy Attorney
9 Questions Answered
- Q. I own a home and a RV. All credit card debt is paid off. The RV payment is to high. We owe more than the RV is worth.
- A: Like the other attorneys who have responded, a Chapter 7 would allow you to surrender the RV and discharge the loan in its entirety. A Chapter 7 allows you decide whether you want to keep secured debt or get rid of it. In your case, you can retain your house and keep paying the mortgage and surrender the RV and discharge that loan. However, depending on your income and the equity in your house, you may need to opt for a Chapter 13. This still allows you to get rid of the RV, but you may have to pay the deficiency balance (loan over ultimate RV sale price).
- Q. Does TN require that chapter 13 payments also be made from the $600 federal stimulus money received during unemployment?
- A: No, this money is explicitly excluded from the definition of income in the CARES Act. This means it does not need to be paid into your plan. However, if you have recently become unemployed due to the coronavirus and are not making payments into your Chapter 13 plan, you may want to speak to your attorney about a plan modification. There is a new rule the CARES Act implemented that allows for modification of your Chapter 13 plan if the coronavirus has caused an inability to stick with the original terms of your plan.
- Q. What are my options of negotiating a judgment lien off a piece of property I am inheriting in Tennessee?
- A: A short and simple answer is that a judgment lien in Tennessee is only valid for 8 years. However it seems that there are some moving parts in your questions. If you would like to email me, I can refer you to a real estate lawyer in your area to give you better advice. This really depends if you're trying to sell the inherited land. A good title attorney could be of help.
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