About Walker, Walker & Walker, PLC
West Tennessee’s Trusted Bankruptcy Law Firm
Walker, Walker & Walker, PLC is a bankruptcy and debt relief law firm with over 40 years of experience helping individuals and families throughout West Tennessee find a real path forward through financial hardship. Founded in Lexington, Tennessee in 1990 by Ken Walker and Richard Walker, the firm has grown to serve all of West Tennessee from three conveniently located offices in Lexington, Jackson, and Dyersburg — making experienced bankruptcy representation accessible to residents across all 21 West Tennessee counties. With more than 30,000 bankruptcy filings completed over four decades of practice, Walker, Walker & Walker has established itself as the most experienced consumer bankruptcy law firm in the region. Whether you are facing overwhelming credit card debt, unmanageable medical bills, wage garnishment, creditor harassment, or the threat of losing your home to foreclosure, our West Tennessee bankruptcy attorneys are ready to help you understand every legal option available and guide you toward the one that fits your specific situation. We offer free, confidential initial consultations at all three of our offices because we believe every West Tennessee family deserves honest legal advice before making one of the most important financial decisions of their life.
Our attorneys concentrate exclusively in consumer bankruptcy law
Our attorneys concentrate exclusively in consumer bankruptcy law and related debt relief services, including Chapter 7 bankruptcy, Chapter 13 bankruptcy, foreclosure defense, wage garnishment defense, creditor harassment defense under the Fair Debt Collection Practices Act, debt settlement, and Social Security disability law. Chapter 7 bankruptcy allows qualifying West Tennessee residents to discharge most unsecured debts — including credit card balances, medical bills, personal loans, and payday debt — entirely within four to six months of filing, while Tennessee’s generous bankruptcy exemptions protect essential property including your vehicle, household goods, retirement accounts, and in many cases your home equity. Chapter 13 bankruptcy provides a powerful alternative for homeowners who have fallen behind on their mortgage, reorganizing debt into a manageable three-to-five-year repayment plan that stops foreclosure through an immediate automatic stay and gives families the time they need to catch up on mortgage arrears while keeping the roof over their heads. From stopping wage garnishment on the same day a petition is filed, to asserting federal rights against abusive debt collectors, to negotiating debt settlements when a formal filing is not the right answer — Walker, Walker & Walker provides the full spectrum of debt relief solutions that West Tennessee families need, delivered with the honesty and personal attention that four decades of community-rooted practice produces.
depth of experience and a range of credentials
The attorneys at Walker, Walker & Walker bring a depth of experience and a range of credentials that is genuinely uncommon in the consumer bankruptcy space. Ken Walker, a Henderson County native and founding attorney, has been practicing bankruptcy law in West Tennessee since 1980, earned his law degree from the University of Memphis School of Law, and serves as the City Attorney for the City of Lexington, Tennessee — a civic role that reflects the deep community commitment that has defined his career. Richard Walker, also a Henderson County native and co-founding attorney, earned his law degree from Nashville School of Law and brings a background unlike any other bankruptcy attorney in the region: he served for thirteen years as an Administrative Law Judge for the State of Tennessee before returning to private practice, and he concentrates in both bankruptcy law and Social Security disability law, making him uniquely positioned to help West Tennessee clients navigating both a financial crisis and a disability claim at the same time. Bethany Garland, associate attorney, graduated magna cum laude from the University of Memphis, earned her law degree from Nashville School of Law in 2014, and was admitted to the Tennessee bar in 2015 — but what truly sets her apart is the career she built as a working bankruptcy paralegal before earning her degree, giving her a ground-level, practical understanding of how consumer bankruptcy cases move through the Western District of Tennessee that no amount of classroom training can replicate. Together, Ken, Richard, and Bethany have earned five-star ratings from clients across West Tennessee who came in overwhelmed and left with a clear plan — because at Walker, Walker & Walker, every client works directly with a real attorney who knows their case and is invested in their outcome.
proud to serve clients throughout all of West Tennessee
Walker, Walker & Walker is proud to serve clients throughout all of West Tennessee, including Madison County, Henderson County, Dyer County, Obion County, Weakley County, Henry County, Gibson County, Carroll County, Benton County, Lauderdale County, Tipton County, Haywood County, Chester County, Decatur County, Crockett County, Fayette County, Hardeman County, McNairy County, Hardin County, and Lake County. Our three office locations — at 80 South Main Street in Lexington, 218 West Main Street in Jackson, and 120 South Main Avenue in Dyersburg — are strategically positioned across the region so that no West Tennessee family has to travel far to access experienced bankruptcy representation. We understand the economic realities that West Tennessee communities face: the manufacturing jobs that can disappear overnight, the medical bills that arrive after a health crisis, the seasonal income volatility that affects agricultural and tourism-dependent households, the compounding pressure of debt that grows faster than income can address it. We have been present in this region through every economic cycle for over four decades, and we bring that accumulated understanding to every client who walks through our doors. If you are considering bankruptcy, facing foreclosure, dealing with wage garnishment, or simply trying to understand what your legal options are, we invite you to call us at (800) 748-9889 and schedule your free consultation at the Walker, Walker & Walker office most convenient to you. The path forward starts with one conversation — and that conversation, like everything we do, is built on honesty, experience, and a genuine commitment to the people of West Tennessee.”