Business Details
Your Trusted Bankruptcy Lawyer in Memphis, TN
At Janet M. Lane, Attorney At Law, we bring over 30 years of dedicated experience in bankruptcy law to help individuals and families in Memphis and surrounding Tennessee communities regain financial stability. Our practice focuses on providing personalized debt relief solutions through Chapter 7 and Chapter 13 bankruptcy filings, wage garnishment prevention, and protection from creditor harassment. With a deep understanding of the emotional and financial stress our clients face, we prioritize compassionate guidance and transparent communication throughout every case.Our proven track record in handling complex bankruptcy matters, including foreclosure defense and tax debt resolution, has earned us consistent positive feedback from clients who emphasize our responsiveness, legal expertise, and commitment to achieving favorable outcomes. As a locally rooted practice, we combine national legal standards with community-focused service to deliver practical solutions tailored to each client's unique circumstances.
Services
Chapter 13 Bankruptcy
Chapter 7 Bankruptcy
Debt Relief
Wage Garnishment
Creditor Harassment
Judgments & Taxes
Foreclosure Defense
Repossession Prevention
Utility Shutoffs
Medical Debt
Highlights and features
- We offer over 30 years of specialized bankruptcy law experience
- Our team provides personalized debt relief strategies with compassionate service
- We guarantee immediate cessation of wage garnishments and creditor calls
- Free initial consultations with experienced bankruptcy case evaluations
- Proven success in complex cases involving tax debts and foreclosure prevention
What people say
Deep caring for clients
Handled my case promptly
Answered all questions thoroughly
Process went smoothly
Stopped creditor harassment
Services
Chapter 13 Bankruptcy
Our Chapter 13 bankruptcy service helps clients restructure debts through manageable 3-5 year repayment plans. We assist with stopping foreclosures, reducing vehicle loan balances, and reorganizing secured debts while protecting essential assets. This option allows debtors to maintain property ownership while gradually resolving financial obligations under court supervision.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation exemptions. We guide clients through qualifying requirements, property protection strategies, and discharge processes. Our service includes handling creditor communications, documentation preparation, and court representation to achieve complete debt elimination within 3-4 months.
Creditor Harassment
We provide immediate protection against creditor harassment through bankruptcy filings and legal interventions. Our service includes issuing cease-and-desist communications, negotiating debt settlements, and implementing automatic stay protections to stop wage garnishments, collection calls, and legal actions against our clients.
Foreclosure Defense
Our foreclosure defense service focuses on preserving homeownership through bankruptcy protections. We help clients catch up on mortgage arrears, challenge improper lending practices, and negotiate loan modifications. Through Chapter 13 filings, we create structured payment plans to resolve back payments while maintaining current obligations.
Tax Debt Relief
We resolve qualifying tax debts through bankruptcy discharge options. Our service addresses federal and state tax liabilities meeting specific criteria, including proper filing history and assessment timelines. We help clients eliminate eligible tax obligations while establishing payment arrangements for non-dischargeable amounts through structured bankruptcy plans.
People
Janet M. Lane, Attorney At Law
Bankruptcy Attorney
With over 30 years of experience, Janet M. Lane, Attorney At Law specializes in bankruptcy law, helping Tennessee residents achieve debt relief. Recognized for compassionate representation, she guides clients through Chapter 7 and 13 filings while maintaining active bar membership and continuing legal education in bankruptcy practices.
Questions
What bankruptcy options are available for Memphis residents?
We help clients evaluate Chapter 7 liquidation for immediate debt discharge or Chapter 13 repayment plans for debt restructuring, based on individual financial circumstances and goals.
How does bankruptcy stop creditor harassment?
Filing initiates an automatic stay that legally prohibits creditors from collection attempts, including calls, lawsuits, and wage garnishments during the bankruptcy process.
Can bankruptcy help with tax debt?
Certain income tax debts meeting specific criteria (3+ years old, timely filed) can be discharged through Chapter 7 or restructured via Chapter 13 bankruptcy plans.
What happens to my property during bankruptcy?
Most clients retain essential assets through exemption protections. Chapter 13 allows keeping property while repaying secured debts through structured payment plans.
How long does bankruptcy take to complete?
Chapter 7 cases typically conclude in 3-4 months, while Chapter 13 repayment plans last 3-5 years with regular monthly payments to the bankruptcy trustee.
Reviews (1)
Christopher Schafer
Feb 23, 2026
Report
Absolutely the best representation anyone could ask for, her communication is second to none, she really calms the storm and makes sure you understand what happens and when and what is expected from you.
