Over 45 Years of Helping West Tennessee Families Realize Financial Freedom.
The Law Offices of Louis W. Ringger has stood beside hardworking people across Madison County and West Tennessee since 1981—helping thousands of families eliminate credit card and medical debt, stop foreclosures, and gain a fresh start.
367 N. Parkway, Suite 1, Jackson, TN 38305 • Direct Office: (731) 421-1501
Check Your $0-Down Eligibility & Relief Options
What Is Personal Bankruptcy & How Does It Give You a Fresh Start?
Personal bankruptcy is a constitutional federal right designed to help honest individuals who have become overwhelmed by debt due to medical bills, inflation, job shifts, divorce, or high interest rates. It provides a structured, court-protected way to eliminate or reorganize debts while protecting your essential property.
Chapter 7: Wipe Out Unsecured Debt in 90–120 Days
Chapter 7 eliminates 100% of qualifying unsecured debts—including credit cards, medical bills, personal loans, and old utility or deficiency balances—without a multi-year repayment plan. Under Tennessee statutory exemptions, your primary residence, vehicle equity, household furnishings, and retirement accounts are protected from liquidation in over 98% of cases.
Read Full Chapter 7 GuideChapter 13: Stop Foreclosure & Catch Up Over 3–5 Years
Chapter 13 is a court-supervised reorganization plan that allows individuals and married couples to keep their homes and vehicles while catching up on missed payments over 36 to 60 months. It immediately halts scheduled foreclosure auctions and vehicle repossessions while consolidating unsecured debt at 0% interest.
Read Full Chapter 13 Guide