Terms & Conditions

By using this website (ringgerlaw.com), you agree to the following terms and conditions:

1. Educational Information Only — Not Legal Advice

Please note that this website does not provide legal advice. The information, calculators, exemption tables, and AI assistant responses provided on this website are for general informational purposes only and do not constitute formal legal advice. Bankruptcy is a complex legal matter, and it is important to consult directly with a qualified Tennessee bankruptcy attorney to discuss your specific situation and receive personalized legal counsel.

2. No Attorney-Client Relationship Established Online

Submitting an online quiz, intake questionnaire, chat message, or scheduling a phone/Zoom consultation does not establish an attorney-client relationship with The Law Offices of Louis W. Ringger. While we can answer general questions during an initial consultation, a formal attorney-client relationship is formed only after a written representation agreement is signed by both you and our firm.

3. Mandatory Federal Debt Relief Agency Disclosure (11 U.S.C. § 528)

Pursuant to 11 U.S.C. § 528(a)(4), The Law Offices of Louis W. Ringger (Ringger Law) is a federally designated Debt Relief Agency. We proudly help individuals and families file for bankruptcy relief under the United States Bankruptcy Code in the Western District of Tennessee.