Rachael Virginia Pas, Bankruptcy Attorney in Ooltewah, Tennessee

Rachael concentrates on bankruptcy, chapter 13, chapter 7, securities, and ssd. Each area below outlines the kind of case Rachael handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Chapter 13

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• Chapter 7

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• Securities

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• SSD

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Rachael's primary office is at P.O. Box 419, Ooltewah, TN, 37363. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Rachael usually go, from the moment you request a consult to the day representation begins.

Rachael discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Rachael for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Rachael walks through the likely range during the consult so there are no surprises.

• Does Rachael offer a free consultation?

  Rachael charges for the initial consult; that fee is credited toward representation if you retain Rachael's office. Some bankruptcy attorneys offer free consults — check Rachael's current terms during booking.

• How long do bankruptcy cases in Tennessee typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Rachael gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Rachael take my case if I'm outside Ooltewah?

  Rachael is licensed in Tennessee. Matters governed by Tennessee law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Rachael will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Rachael?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Rachael will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Rachael accepting new bankruptcy clients right now?

  Rachael's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.