Business Details
36 Years
experience
Experienced Bankruptcy Attorney in Memphis, TN
Janet M. Lane, Attorney At Law is a bankruptcy law practice with over 30 years of experience guiding clients through financial challenges. Our firm specializes in Chapter 7 and Chapter 13 bankruptcy filings, debt relief strategies, and creditor protection. We serve Memphis, Germantown, Cordova, and surrounding Tennessee communities, offering personalized legal solutions to help individuals regain financial stability. Our practice combines deep expertise in bankruptcy law with compassionate client support, ensuring clear communication and tailored guidance throughout the legal process.We prioritize client education, transparent pricing, and proactive representation to achieve optimal outcomes. With a track record of successful debt discharge cases, we maintain strong relationships with local courts and creditors to effectively advocate for our clients' interests.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Wage Garnishment
Creditor Harassment
Judgments & Taxes
Foreclosure Defense
Repossession
Utility Shutoffs
Medical Bills
Details
- Year established: 1990
Highlights and features
- We offer 30+ years of specialized bankruptcy law experience
- Our team provides personalized debt relief strategies
- We guarantee transparent pricing with no hidden fees
- We offer free initial bankruptcy consultations
- Our practice serves multiple Tennessee communities
What people say
Highly recommend
Put me at ease
Answered every question
Deep caring for clients
Would recommend again
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. This process stops creditor harassment and wage garnishments while providing debt discharge within 3-4 months. Our firm guides clients through asset exemptions and court requirements to achieve complete financial relief.
Chapter 13 Bankruptcy
Chapter 13 establishes structured repayment plans over 3-5 years. This option helps clients catch up on mortgage arrears, reduce vehicle loan balances, and reorganize debts while retaining property. Our attorneys create customized payment plans that meet court approval and financial capabilities.
Debt Relief
Our debt relief services combine bankruptcy and alternative solutions to address overwhelming financial situations. We analyze each client's unique circumstances to determine optimal strategies for eliminating medical bills, credit card debt, and other unsecured obligations through legal protections.
Foreclosure Defense
Foreclosure defense services protect homeowners through bankruptcy filings and loan modification strategies. We implement immediate legal actions to stop foreclosure sales while developing long-term solutions for mortgage arrears and payment restructuring.
Creditor Harassment
Our creditor harassment protection services utilize automatic bankruptcy stays and legal interventions to stop collection calls, lawsuits, and wage garnishments. We provide comprehensive defense against aggressive debt collection practices while resolving underlying financial issues.
People
Janet M. Lane, Attorney At Law
Attorney at Law
Janet M. Lane, Attorney At Law is a Memphis bankruptcy attorney with over 30 years of experience helping clients achieve financial freedom. She specializes in Chapter 7 and Chapter 13 bankruptcy filings, offering personalized legal solutions to individuals facing debt crises.
Questions
What are the differences between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation, while Chapter 13 establishes 3-5 year repayment plans. Our attorneys help determine which option best suits your financial situation.
How does bankruptcy stop creditor harassment?
Filing bankruptcy triggers an automatic stay that immediately halts all collection activities, including phone calls, lawsuits, and wage garnishments from creditors.
Can bankruptcy help with mortgage foreclosure?
Yes, both Chapter 7 and Chapter 13 can stop foreclosure proceedings. Chapter 13 specifically allows you to catch up on missed payments over time while retaining your home.
What debts cannot be discharged in bankruptcy?
Non-dischargeable debts include student loans, child support, alimony, recent tax debts, and certain fines. Our attorneys will review your specific obligations during consultation.
How long does bankruptcy stay on credit reports?
Chapter 7 remains for 10 years, while Chapter 13 stays for 7 years. We provide guidance on rebuilding credit post-bankruptcy through responsible financial practices.
Do I qualify for bankruptcy relief?
Qualification depends on income, debt types, and financial circumstances. Our free consultation includes a comprehensive analysis to determine your eligibility for Chapter 7 or Chapter 13.
