Tennessee's Largest Bankruptcy Filer

At the Law Office of Clark & Washington in Chattanooga, our attorneys help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild, and recover.

 
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Compassionate Bankruptcy Guidance for a Fresh Start

At Clark & Washington, we understand how overwhelming financial stress can feel. When debt becomes unmanageable, it affects every part of your life — your sleep, your relationships, your confidence, and your future. Our mission is to guide you through this difficult time with compassion, clarity, and a path toward relief. You are not alone. Thousands of individuals and families turn to us every year for support, answers, and a fresh start.

Contact us for a free consultation on:

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Our Mission

Helping You Move From Stress to Stability

We believe every client deserves respect, dignity, and the chance to rebuild.
When you come to us,
you’ll find:

A welcoming, nonjudgmental environment
Honest guidance about all your debtrelief options
A team that listens and truly cares
A clear plan to protect what matters most
 

No pressure. No shame. Just solutions.

How We Help​

We Stop Financial Stress So You Can Breathe Again​

We provide immediate and longterm relief through legal protection, personalized strategies and full case handling from start to finish. We Help You:

• Stop creditor calls
• Prevent repossession
• Stop foreclosure
• End wage garnishments
• Protect your paycheck and property
• Eliminate or reorganize debt
• Rebuild your credit and financial future

Our Services

Chapter 7 Bankruptcy

A powerful freshstart option for overwhelming unsecured debt. Ideal for clients with large credit card balances, medical bills, personal loans, or collections.

Chapter 7 helps you:

Wipe out most unsecured debts
Stop lawsuits and garnishments
Protect essential property

Get relief in as little as 90–120 days

Fast. Effective. Lifechanging.

Chapter 13 Bankruptcy

A structured repayment plan that helps you regain control while protecting your assets. Perfect for clients wanting to save their home, keep their vehicle, or catch up on pastdue payments.

Chapter 13 allows you to:

Stop foreclosure immediately
Catch up on mortgage, car, and tax debts
Consolidate payments into one affordable plan
Keep your home, car, and other assets

It’s a safe and controlled path back to financial stability.

Emergency Bankruptcy Filing

When you need protection right now, our team is prepared to act quickly. Even the same day if need be.

We can file rapidly to stop:

Repossession
Garnishments
Foreclosure sales
Aggressive collection actions

Debt Relief Counseling

Not everyone needs to file bankruptcy — and we’ll be honest with you about that.

We evaluate your full financial picture and explain:

Bankruptcy vs. non bankruptcy options
The long-term impact of each choice
Which path gives you the healthiest financial future

We help you find the solution that fits your life, not a one size fits all plan.

Our Simple 4 Step Process

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Free Consultation 

We listen to your story, answer questions, and explain your options — in plain language.

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Personalized Plan

We build a strategy designed around your goals, whether that’s saving your home, stopping creditor calls, or eliminating debt.

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Full Legal Support

We handle all paperwork, filing, deadlines, and communication with creditors. You’re never on your own.

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A Financial Fresh Start

After your case is complete, we help you begin rebuilding credit and creating longterm financial stability.

Why Clients Trust Us

✔ Decades of dedicated bankruptcy experience
✔ Spanishspeaking team members available
✔ Flexible payment options to make filing accessible
✔ Local attorneys who know the courts, trustees, and process
✔ Friendly, judgmentfree environment

✔ Convenient appointments: phone, Zoom, or inperson

 

Clients often tell us that after speaking with our team, they finally slept through the night for the first time in months.

Who We
Help

We guide people from every background through financial hardship, including:

Families facing unexpected job loss
Individuals buried in medical bills
Homeowners at risk of foreclosure
Workers dealing with wage garnishment
Single parents living paycheck to paycheck
Small business owners struggling to stay afloat
 

If debt is taking over your life — we can help you take control back.

Spanish Services​

 

Servicios en Español Disponibles

Para nuestros clientes hispanohablantes:

Consultas en español
Ayuda con documentos
Explicación clara del proceso
Representación completa durante todo el caso

Estamos aquí para apoyarlo con respeto y compasión.

What Our Clients Are Saying

Book a Free Consultation

Meet Our Tennessee Based Attorneys

Meet the lawyers dedicated to guiding you through bankruptcy with experience, clarity and care.

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Dylan Manning

Attorney
colton-hobbs-Chattanooga-TN

Colton Hobbs

Attorney
knoxville-tn-bankruptcy-lawyer-carson-kovalic

Carson Kovalic

Attorney

Contact Us

Have questions about bankruptcy or wondering if it’s the right option for you? Our experienced team is here to provide clear answers and personalized support. Fill out the form to get started—your consultation is free, and your information is always kept confidential.

File your case over the phone.

We’re always here when you need us—day or night.

Over 40+ Years of Experience

Trusted legal guidance from leading Tennessee's bankruptcy firm.

Send Us a Message

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Video & Podcast Library

Explore our video and podcast library for clear, straightforward answers to your bankruptcy questions—anytime, anywhere.

Contact Us

Have questions about bankruptcy or wondering if it’s the right option for you? Our experienced team is here to provide clear answers and personalized support. Fill out the form to get started—your consultation is free, and your information is always kept confidential.

24/7 Availability

We’re always here when you need us—day or night.

Over 35 Years of Experience

Trusted legal guidance from Georgia’s leading bankruptcy firm.

Send Us Message

Recently Asked Questions

No. While bankruptcy does impact your credit, many people see improvements within a year by managing debt responsibly after filing.
In many cases, yes. Especially under Chapter 13, you may be able to keep your assets while catching up on missed payments.
Chapter 7 eliminates most unsecured debt quickly. Chapter 13 sets up a payment plan to repay debts over time while keeping assets.
Chapter 7 typically takes 3–6 months. Chapter 13 repayment plans usually last 3 to 5 years.
In most cases, no. Bankruptcy is public record, but employers are rarely notified unless wage garnishment is involved.
Costs vary by case and chapter. We offer free consultations to review your situation and explain all fees up front.