Your Lifeline for Financial Freedom
Helping residents of West Tennessee
Overcome financial difficulties for over 40 years. For over 4 decades, Walker, Walker & Walker, PLC, has been at the forefront of bankruptcy law.
- free, no-obligation consultation
Three Offices
One Trusted West Tennessee Firm.
Wherever you are in West Tennessee, help is close. Call any office and we’ll point you to the right one.
- Henderson County
Lexington
80 South Main Street, Lexington, TN 38351
Serving Henderson, Carroll, Decatur, Chester & surrounding counties
- Madison County
Jackson
218 West Main Street, Jackson, TN 38301
Serving Madison, Gibson, Crockett, Haywood, Hardeman & surrounding counties
- Dyer County
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.
The Numbers
That Speak for Themselves
Bankruptcy Filings Completed
Years Serving West Tennessee
Convenient Office Locations
5-Star Client Rating
For over four decades, Walker, Walker & Walker has been the bankruptcy law firm West Tennessee families trust when everything feels impossible. More than 30,000 filings. Three offices. One firm that shows up for you.
How We Help
West Tennessee families find financial freedom.
Whatever brought you here — debt, foreclosure, a garnished paycheck, or a phone that won’t stop ringing — we have a legal path forward.
Chapter 7 Bankruptcy
The fastest route to a clean financial slate. Chapter 7 discharges most unsecured debts — credit cards, medical bills, personal loans — within four to six months. If you qualify, you keep what Tennessee law protects and you walk away from the debt that's been holding you back.
Chapter 13 Bankruptcy
For people with regular income who've fallen behind on a mortgage or car payment, Chapter 13 reorganizes your debt into a manageable repayment plan — typically three to five years — while keeping the automatic stay in place to protect you. It's the chapter that saves homes.
Debt Relief & Settlement
Bankruptcy isn't the right answer for everyone, and we'll be honest with you about that. For some clients, negotiating directly with creditors to settle debts for less than the full balance is the smarter path. We'll evaluate both options and recommend what actually works for your situation.
Foreclosure Defense
If you've received a foreclosure notice, you have more legal options than you think — but the clock is running. Filing bankruptcy triggers an immediate automatic stay that stops foreclosure proceedings the day you file. Chapter 13 can then give you the runway to catch up and keep your home. Don't wait until after the sale date to call us.
Wage Garnishment Defense
Tennessee law allows creditors with a court judgment to garnish up to 25 percent of your paycheck. Filing bankruptcy stops that garnishment the same day the automatic stay goes into effect. Your employer is notified, the withholding ends, and you start taking home your full paycheck again — immediately.
Creditor Harassment Defense
Calls before 8 a.m. Calls at your workplace. Threatening letters. If a debt collector is crossing lines with you, they may be violating federal law under the Fair Debt Collection Practices Act — and you have rights right now, before you ever file a single document. Once you file bankruptcy, any further contact becomes a federal violation.
Our Attorneys
The Attorneys Who Will Handle Your Case
Ken Walker
- Founding Attorney
B.S. Business Administration, University of Tennessee Martin | J.D. University of Memphis School of Law
Ken has been practicing bankruptcy law in West Tennessee since 1980 — before most of his clients were born. He co-founded Walker, Walker & Walker in 1990 with a singular focus on helping West Tennessee families work through financial hardship with dignity and a clear path forward. In addition to his bankruptcy practice, Ken serves as the City Attorney for the City of Lexington, Tennessee — a role that reflects the trust and standing he has built in this community over more than four decades.
- Member: Tennessee Bar Association | Tennessee State Courts | U.S. District Court, Western District of Tennessee | U.S. Bankruptcy Court, Western District of Tennessee
Richard Walker
- Founding Attorney
B.S. University of Tennessee Martin | J.D. Nashville School of Law
Richard co-founded this firm with Ken in 1990 and brings a background that is genuinely unlike any other bankruptcy attorney in West Tennessee. He served for 13 years as an Administrative Law Judge for the State of Tennessee — a position that requires the kind of legal precision and courtroom authority that shows in every case he handles. Although Richard has practiced in many areas of law throughout his career, his broad experience uniquely positions him to help clients facing financial challenges as he now focuses his practice on consumer bankruptcy.
- Tennessee Bar Association | American Bankruptcy Institute | National Association of Consumer Bankruptcy Attorneys Admitted: Tennessee Supreme Court, U.S. District Court Western District TN, U.S. Bankruptcy Court Western District TN
Bethany Garland
- Associate Attorney
Bethany came up through the bankruptcy paralegal side of this work before earning her law degree and her bar license in 2015. That path — from paralegal to attorney within the bankruptcy practice — gives her a hands-on, ground-level understanding of how these cases actually move through the system that most attorneys simply don’t have. She focuses exclusively on consumer bankruptcy law and brings the same level of thoroughness and personal attention to every client she represents.
- Licensed: All Tennessee State Courts, U.S. District Court Western District TN, U.S. Bankruptcy Court Western District TN Member: Tennessee Bar Association
All three attorneys carry five-star ratings from clients across West Tennessee. When you call Walker, Walker & Walker, you reach people who care about your outcome — not a call center.
Location we serve
Proudly Serving All of West Tennessee
Walker, Walker & Walker has three offices and one mission: to be the most accessible and most experienced bankruptcy law firm in West Tennessee. Wherever you are in the region, we serve you.
We serve clients throughout:
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
Testimonials
Faq's
Frequently Asked Questions
What Types of Bankruptcy Cases Does Walker, Walker & Walker Handle?
At Walker, Walker & Walker, PLC, we focus primarily on Chapter 7 and Chapter 13 bankruptcy cases for individuals and families throughout West Tennessee. Whether you are dealing with crushing credit card debt, unmanageable medical bills, a pending foreclosure, or relentless creditor calls, our bankruptcy attorneys are here to help.
Chapter 7 bankruptcy — sometimes called “liquidation bankruptcy” — is designed for people who need a fresh start fast. It can wipe out most unsecured debts in as little as 3 to 4 months. Chapter 13 bankruptcy — often called a “wage earner’s plan” — allows you to reorganize your debts and create a manageable repayment plan over 3 to 5 years, which is especially useful if you want to save your home from foreclosure.
With over 40 years of experience serving clients in Lexington, Jackson, Dyersburg, and throughout West Tennessee, our team has helped thousands of people just like you get back on solid financial ground. We know Tennessee bankruptcy law inside and out, and we are ready to put that knowledge to work for you.
How Do I Know If Bankruptcy Is the Right Option for Me?
This is one of the most important questions you can ask, and the honest answer is: it depends on your specific financial situation. Bankruptcy is not the right solution for everyone, but for many people in West Tennessee struggling with debt, it can truly be life-changing.
You may want to seriously consider filing for bankruptcy if you are facing one or more of the following situations:
- Your monthly debt payments are consuming most of your income and there is nothing left at the end of the month
- You are being threatened with foreclosure on your home
- Creditors are garnishing your wages or threatening to do so
- You are receiving constant collection calls and letters that feel overwhelming
- You have tried debt consolidation or repayment plans and they have not worked
- You are using credit cards to pay for everyday necessities like groceries and utilities
- Your total unsecured debt (credit cards, medical bills, personal loans) far exceeds what you could realistically pay back in the next few years
The best way to know for sure is to schedule a free consultation with one of our experienced bankruptcy attorneys at Walker, Walker & Walker. We will take the time to review your income, your debts, your assets, and your goals — and give you an honest recommendation about whether Chapter 7 or Chapter 13 bankruptcy makes sense for your situation.
What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy in Tennessee?
Understanding the difference between Chapter 7 and Chapter 13 bankruptcy is one of the most important steps in deciding which path is right for you. Both are legitimate legal tools designed to give people in financial crisis a real opportunity to start over, but they work in very different ways.
Chapter 7 Bankruptcy — The Fresh Start Option
Chapter 7 is the most common form of personal bankruptcy filed in Tennessee. It is designed for people who do not have enough income to pay back their debts. In a Chapter 7 case, most or all of your unsecured debts — such as credit card balances, medical bills, and personal loans — can be completely eliminated (discharged) by the bankruptcy court. The process typically takes just 3 to 4 months from the time you file. To qualify, you must pass the Tennessee “means test,” which compares your income to the state median income.
Chapter 13 Bankruptcy — The Reorganization Option
Chapter 13 is the better choice for people who have a steady income but have fallen behind on secured debts like a mortgage or car loan. Instead of eliminating your debts outright, Chapter 13 lets you create a court-approved repayment plan that lasts 3 to 5 years. At the end of that plan, any remaining qualifying unsecured debt is discharged. One of the biggest advantages of Chapter 13 is that it can stop a foreclosure and give you time to catch up on missed mortgage payments while keeping your home.
At Walker, Walker & Walker, our bankruptcy attorneys will carefully evaluate your income, assets, and debts to determine which chapter gives you the best possible outcome for your specific situation.
Will I Lose My Home If I File for Bankruptcy in Tennessee?
This is one of the biggest fears people have when considering bankruptcy — and it is completely understandable. The good news is that filing for bankruptcy does not automatically mean you will lose your home. In fact, bankruptcy can actually be one of the most powerful tools available for saving your home from foreclosure.
If you file Chapter 13 bankruptcy, an automatic stay goes into effect immediately, which legally halts any foreclosure proceedings. Your repayment plan then gives you 3 to 5 years to catch up on past-due mortgage payments while continuing to make your regular monthly payments going forward. Many homeowners in West Tennessee have saved their homes from foreclosure by filing Chapter 13.
If you file Chapter 7 bankruptcy, whether you keep your home depends on a few factors — primarily whether you are current on your mortgage payments and whether your home equity falls within Tennessee’s available exemptions. Tennessee law provides a homestead exemption that protects a certain amount of equity in your primary residence.
The most important thing to understand is that every situation is different. At Walker, Walker & Walker, we have spent over 40 years helping Tennessee families protect their homes and their most important assets. Schedule a free consultation with us and we will give you a clear, honest picture of where you stand.
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.
80 South Main Street, Lexington, TN 38351
Serving Henderson, Carroll, Decatur, Chester & surrounding counties