Bankruptcy Law

Mary Christa Gorga

Bankruptcy law is my specialized and focused area of practice.

I handle both Chapter 7 and Chapter 13 debt reorganization bankruptcies. I am licensed to practice law in the State of Tennessee, the United States District Court for the Eastern District of Tennessee, the State of New York and the United States District Court for the Northern District of New York. I have been practicing law for about 17 years.


I have been married for 18 years and have four children. I am on the Board of Directors and on the Board for Children's Services for our Church. I have also been a Sunday School teacher for 20 years and additionally volunteer my time with Family Promise, Habitat for Humanity, the Boy Scouts, the Girl Scouts, the local schools and other church functions. My past volunteer services include working with abused children, the handicapped, the elderly and Citizens Concerned for Human Life. I enjoy cooking and baking for my family.


My work is dedicated to helping my clients navigate the bankruptcy laws and get a fresh start. There are times when a person cannot continue on with their debt load and they need to file a Chapter 7 bankruptcy. There are also times when a person needs to file a chapter 13 reorganization of their debt, that allows them to shrink the debt and pay it off without interest and penalties on payment terms that are in keeping with their budget. I strive to provide quality legal services by having a thorough knowledge of the law and giving my utmost attention to my clients and to all the details of their case. I pride myself on my professionalism, ethics, integrity, courtesy and compassion.

Bankruptcy History:

Article 1, Section 8, Clause 4 of the United States Constitution:
"The Congress shall have Power ...To establish ... uniform Laws on the subject of Bankruptcies throughout the United States;..."


"At the end of every seven years you must cancel debts. This is how it is to be done; Every creditor shall cancel the loan he has made to his fellow Israelite. He shall not require payment from his fellow Israelite or brother, because the Lord's time for canceling debts has been proclaimed." Deuteronomy 15:1-2

Previous Chapter 7 and Chapter 13 Clients:

"Thank you for your professional attitude and work you have shown in our legal case. You are a valuable asset to the legal community." Note from client on 9/10/2014

"...I just want to say thank you for all you have done for us. We really appreciate you making a terrible situation not so painful. Thank you so much for everything... Just want to thank you for everything. You are a great attorney." Note from Client on 9/3/2013

"Thanks very much for your diligence in this matter...thank you and thanks for your gracious attitude and understanding during this entire procedure." Note from Client on 1/15/2013

"Thank you for all you have done for us." Note from Client on 12/20/2012

"We would both like to thank you for your help and support through our bankruptcy process. That was an extremely hard time for us because we were both taught to be responsible for our actions; but with the circumstances as they were, we had no other choice. You did not make us feel like we were doing wrong. Instead you guided us through each step without judgment. You made sure we understood each step we were taking and why. Please feel free to use us as reference if you would like. We would be glad to recommend you to anyone. Truly, Mary Christa, we do appreciate what you did to help us." Note from Client on 7/13/2014

"I am very pleased as to how you helped me prepare for and how things have gone. If anyone wants to get help with what you do, I will highly recommend you." Note from client on 12/2/2014

"We just wanted to say thank you for knowledge and advice in our crisis. It has helped us tremendously...thank you for being so nice." Note from client on 12/1/2014

"...From my first meeting with you, you put my mind at ease and handled everything very professionally. I could not have asked for a better attorney! Thank you so much!" Note from client on 12/5/2014

"Thank you for all you did for me." Note from client on 12/26/2014


Juris Doctor, Albany Law School, Albany New York 1992
B.A., Oral Roberts University, Tulsa, Oklahoma 1989