Your Lifeline for Financial Freedom

Best Bankruptcy Law Firm in Lexington, West Tennessee

Most people who call us have been carrying this longer than they should. Walker, Walker & Walker is a bankruptcy and debt relief law firm based in Lexington, Tennessee, serving Henderson County and the surrounding region from three offices. We handle Chapter 7 and Chapter 13 bankruptcy, foreclosure defense, wage garnishment defense, creditor harassment defense, and debt relief and settlement.

Three Offices

Three Offices. One Firm.

Wherever you are in West Tennessee, one of our offices is within reach. Not sure which one is closest? Call (800) 748-9889 and we’ll point you in the right direction.

Lexington

80 South Main Street, Lexington, TN 38351

Serving Henderson, Carroll, Decatur, Chester & surrounding counties

Jackson

218 West Main Street, Jackson, TN 38301

Serving Madison, Gibson, Crockett, Haywood, Hardeman & surrounding counties

Dyersburg

120 South Main Ave, Dyersburg, TN 38024

Serving Dyer, Obion, Lake, Lauderdale, Tipton & surrounding counties

Not sure which office is closest to you? Call (800) 748-9889 and we’ll point you in the right direction — or schedule your free consultation at any of our three locations.

What Brought You to a Bankruptcy Attorney Today

Most people who call us have been carrying this for longer than they should, and it rarely started with bad decisions.

Credit cards and medical bills that have outpaced income for months

Chapter 7 can discharge most unsecured debt within four to six months for qualifying filers

A foreclosure notice that arrived in the mail

Filing bankruptcy triggers an automatic stay that stops foreclosure proceedings the day you file the petition.

A creditor with a court judgment is garnishing your wages

The automatic stay stops that withholding the same day you file.

Collection calls before 8am and at your workplace

Federal law gives you rights before you file a single document.

A mortgage you've fallen behind on but want to keep

Chapter 13 reorganizes the arrears into a repayment plan while the automatic stay protects your home

Debt from a job loss, a medical crisis, or a divorce

These are the circumstances that bring most families to us

Payday loan debt that has compounded beyond any payment plan

Bankruptcy is often the only legal tool that stops the cycle

The Numbers

The Numbers That Speak for Themselves

Bankruptcy Filings Completed

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Years Serving West Tennessee

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Convenient Office Locations

5-Star Client Rating

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Families have trusted this firm through every economic cycle for over four decades.

How We Help

How We Help Families Find Financial Freedom

Debt takes different forms for different families. Whatever brought you here, there is a legal tool built for your specific situation. Every service below links to a full page with everything you need to know before making any decision.

Our Attorneys

The Attorneys Who Will Handle Your Case

At Walker, Walker and Walker, you work directly with a named attorney. Not a call center. Not rotating staff. The same person from the first call through to discharge.

Ken Walker

B.S. Business Administration, University of Tennessee Martin | J.D. University of Memphis School of Law

Ken has practiced bankruptcy law in West Tennessee since 1980. He co-founded this firm in 1990 and still takes cases. In addition to his bankruptcy practice, Ken serves as City Attorney for the City of Lexington, Tennessee. B.S. University of Tennessee Martin. J.D. University of Memphis School of Law. Member: Tennessee Bar Association, U.S. Bankruptcy Court Western District of Tennessee.

Richard Walker

B.S. University of Tennessee Martin | J.D. Nashville School of Law

Richard co-founded the firm with Ken in 1990 and brought something to it no other bankruptcy attorney in the region has. He served thirteen years as an Administrative Law Judge for the State of Tennessee before returning to private practice. That background comes through in every case he takes. B.S. University of Tennessee Martin. J.D. Nashville School of Law. Member: American Bankruptcy Institute, National Association of Consumer Bankruptcy Attorneys.

Bethany Garland

B.S. magna cum laude, University of Memphis | J.D. Nashville School of Law

Bethany started her career as a working bankruptcy paralegal before she earned her law degree. She knows how these cases actually move through the system because she spent years inside that process before she ever argued one. B.S. magna cum laude, University of Memphis. J.D. Nashville School of Law. Admitted to the Tennessee bar in 2015. Member: Tennessee Bar Association.

All three carry five-star ratings from clients across the region.

Why Families Choose Walker, Walker and Walker

One reason comes up more than any other when clients explain why they called us instead of someone else.

40 Years Experience

Forty years of practicing bankruptcy law and debt relief in the region and nothing else. No divorce cases, no personal injury.

30K + Clients

More than 30,000 families have come through our offices and left with their debt situation resolved.

3 Offices

Three offices across the region so no Tennessee family has to drive a long distance to sit with a real attorney.

Clients Satisfaction

Every client works directly with a named attorney from the first call through to the final discharge, not a paralegal or a phone screener.

Free Conultations

Free consultations with a response within one business hour, 100 percent confidential, no judgment about how you got here

The Numbers

How a Free Consultation Works at Walker, Walker and Walker

Most people don’t know what to expect when they call a bankruptcy attorney for the first time. Here’s exactly what happens.

Call or Submit Your Information

Call any office or use the contact form. We respond within one business hour.

We Review Your Situation

One of our attorneys goes through your income, your debts, and what you're trying to protect before recommending anything.

We Explain Your Options

Chapter 7, Chapter 13, debt settlement. We lay out what each one means for your specific case and give you an honest read on which direction makes sense.

You Decide

No pressure. No obligation. The consultation costs you nothing, and we don't push you toward anything.

We File and Protect You

Once you decide to move forward, we file the petition, the automatic stay goes into effect, and we stay with your case through to discharge.

Testimonials

Location we serve

Proudly Serving All of Lexington and Nearby Communities

Walker, Walker & Walker serves families across West Tennessee from three offices in Lexington, Jackson, and Dyersburg. Our Lexington office sits at the center of the region on South Main Street in Henderson County, with easy access from US-70 for clients coming from Parsons, Huntingdon, and surrounding communities. The Jackson office covers the mid-south, serving Madison, Gibson, Haywood, and neighboring counties. Our Dyersburg location handles the northwest, reaching Dyer, Obion, Lake, and Tipton counties. Wherever you are in the region, one of our offices is within a reasonable drive.

Benton County

Camden, Big Sandy, Eva

Carroll County

Huntingdon, McKenzie, Trezevant, Bruceton

Chester County

Henderson, Enville

Crockett County

Alamo, Bells, Maury City, Friendship

Decatur County

Decaturville, Parsons, Scotts Hill

Dyer County

Dyersburg, Newbern, Trimble, Halls

Fayette County

Somerville, Oakland, Rossville, Williston

Gibson County

Humboldt, Trenton, Milan, Bradford

Hardeman County

Bolivar, Whiteville, Grand Junction, Toone

Hardin County

Savannah, Counce, Crump, Adamsville

Haywood County

Brownsville, Stanton, Nutbush

Henderson County

Lexington, Scotts Hill, Sardis

Henry County

Paris, Puryear, Buchanan, Springville

Humphrey County

Waverly, TN

Lake County

Tiptonville, Ridgely

Lauderdale County

Ripley, Halls, Henning, Gates

Madison County

Jackson, Medina

McNairy County

Selmer, Adamsville, Bethel Springs, Guys

Obion County

Union City, Troy, South Fulton, Rives

Perry County

Linden, TN

Stewart County

Dover, TN

Tipton County

Covington, Munford, Brighton, Atoka

Wayne County

Waynesboro, TN

Weakley County

Martin, Dresden, Greenfield, Gleason

Faq's

Frequently Asked Questions

What is the difference between Chapter 7 and Chapter 13 bankruptcy in Tennessee?

Chapter 7 wipes out most unsecured debt within four to six months. Chapter 13 sets up a three to five-year repayment plan and is the better option for homeowners who’ve fallen behind. We’ll tell you which fits your situation after reviewing your income and debts.

How much does it cost to file Chapter 7 bankruptcy in Tennessee?

Court filing fees are set by the federal government and change periodically. Attorney fees vary depending on the complexity of your case. We go over all costs during the free consultation so nothing surprises you later.

Can bankruptcy stop wage garnishment in Tennessee?

Yes. The automatic stay goes into effect the day you file. Your employer gets notified and the withholding stops. Most clients see their full paycheck restored within one pay cycle after filing.

Will I lose my home if I file bankruptcy in West Tennessee?

Not automatically. Chapter 13 specifically protects your home by stopping foreclosure and giving you time to catch up on missed payments. Chapter 7 may also let you keep your home depending on your equity and whether you’re current on the mortgage.

Do I qualify for Chapter 7 bankruptcy in Tennessee?

Qualification depends on passing the Tennessee means test, which compares your income to the state median. Most people who come in worried they won’t qualify end up qualifying. We run through the numbers during your free consultation.

Is bankruptcy the right option if I can't pay my medical bills?

Usually yes. Medical debt is unsecured and Chapter 7 discharges it completely for qualifying filers. If you have other debts alongside the medical bills, we look at the full picture before recommending anything.

Which debts can bankruptcy eliminate in Tennessee?

Chapter 7 eliminates most unsecured debt: credit cards, medical bills, personal loans, payday loans, utility arrears. It doesn’t discharge student loans in most cases, recent tax debt, or child support obligations. We go through your specific debts line by line.

Does bankruptcy affect my spouse if I file individually in Tennessee?

It depends on whether debts are joint or individual. Filing alone protects your spouse’s credit on debts that are only in your name. Joint debts are a different situation and worth walking through with one of our attorneys before you decide.

Who should I call first if I'm struggling with debt in West Tennessee?

Call a bankruptcy attorney before calling a debt consolidation company. Consolidation plans often extend the timeline and cost more over time. A free consultation with us costs nothing and gives you a clear picture of every option before you commit to anything.

How long does Chapter 7 bankruptcy take to complete in Tennessee?

Most Chapter 7 cases take four to six months from the filing date to discharge. The timeline depends on your specific circumstances and whether any issues come up during the process. We keep you updated at every stage.

Get Your Free Bankruptcy Consultation Today

Walker, Walker & Walker’s primary office is in Lexington, Henderson County, serving Henderson, Carroll, Decatur, Chester, and surrounding communities. If you’ve received a foreclosure notice anywhere in the Henderson County area, our South Main Street office is your closest starting point.

Our Lexington office sits on South Main Street in downtown Lexington, near the Henderson County Courthouse. US-70 connects Lexington to Jackson to the east and Huntingdon to the west, putting us within reach for most clients in under thirty minutes.

Wherever you are in West Tennessee, help is close

Not sure which office is closest to you? Call (800) 748-9889 and we’ll point you in the right direction — or schedule your free consultation at any of our three locations.