Debt Relief Attorney in Morristown, TN

Over 50,000 Cases Filed. Former Trustees. Zero Attorney Fees to Start.

The Law Offices Of Mayer & Newton maintains a physical office in Morristown, TN and focuses exclusively on bankruptcy law. Richard Mayer and John Newton bring over 60 years of combined experience to every case, serving individuals and businesses across East Tennessee who are ready to address overwhelming debt. Whether you’re facing wage garnishment, creditor calls, or the threat of foreclosure, there are legal options worth understanding before you assume the worst.

Call our Morristown office at (865) 328-7993 to schedule a free consultation. We’re available by phone, video, or in person, with no obligation to move forward after we talk.

Debt Relief Options for Morristown Residents

Bankruptcy is a federal legal process that gives individuals and businesses a structured path out of financial distress. Filing triggers an automatic stay, which can stop wage garnishments, repossessions, collection calls, and civil lawsuits. What happens next depends on which chapter fits your situation.

Chapter 7: Discharge Unsecured Debt

Chapter 7 can eliminate unsecured debts like credit card balances and medical bills. Eligibility is determined by the means test, which compares your household income against the Tennessee median. Applicants below that threshold generally qualify. Tennessee state exemptions can also protect certain property, including home equity and a vehicle, during the process. We charge zero in attorney’s fees to retain our firm for a Chapter 7 case.

Chapter 13: A Repayment Plan That Protects What You Own

Chapter 13 lets you keep assets while repaying debts through a structured plan, typically spanning three to five years. It’s a strong option if you’re behind on mortgage payments and want to prevent foreclosure, or if you need to reduce what you owe on a car loan. Depending on your circumstances, unsecured debts may be repaid at less than the full balance. We charge zero in attorney’s fees to start a Chapter 13 case.

Chapter 11: Business Reorganization

For business clients who need to restructure debt while continuing to operate, Chapter 11 provides a court-supervised reorganization framework. John Newton has served as debtor’s counsel on 200 Chapter 11 cases for small-business reorganization, giving our business clients representation grounded in direct, hands-on experience at this level of complexity.

Why Morristown Clients Choose The Law Offices Of Mayer & Newton

We’ve filed over 50,000 cases in the Eastern District of Tennessee. That volume reflects consistent, focused practice. Bankruptcy is all we do.

Trustee-Side Experience That Strengthens Your Case

John Newton served as a Chapter 7 Trustee and administered 15,000 trustee cases. That background means he understands what a trustee examines during a 341 meeting of creditors, the formal proceeding where a trustee questions the debtor under oath and reviews the filing. Better case preparation starts with knowing what scrutiny looks like from the other side of the table. As lead counsel, Newton has also had six cases reach or be decided by the 6th Circuit Court of Appeals.

Board Certification & a Credentialed Support Team

Both Richard Mayer and John Newton are Board Certified in bankruptcy law, a credential awarded by the American Board of Certification that reflects demonstrated knowledge beyond standard bar admission. Both have completed Max Gardner’s intensive training programs: Newton through the Bankruptcy Boot Camp and Mayer through the Foreclosure Defense Boot Camp. Our paralegal staff includes individuals with prior experience working directly in Bankruptcy Court and in the Chapter 13 Trustee’s office. The firm holds membership in the Knoxville Bar Association and the American Bankruptcy Institute, and we accept online payments for client convenience.

Schedule Your Free Consultation at Our Morristown Office

If you’re weighing your debt relief options, the right starting point is a conversation with a debt relief attorney who can review your actual financial picture. We offer free consultations by phone, video, or in person, and our Morristown office is here when you’re ready to talk.

Contact The Law Offices Of Mayer & Newton today at (865) 328-7993 to speak with a debt relief lawyer in Morristown and take the first step toward addressing your debt.