Tennessee Bankruptcy

Bankruptcy laws and resources vary from state to state. The following page provides information and resource links for the state of Tennessee.



If you are not looking for information regarding Tennessee, please use the links on the left to find information for your state.



Tennessee Bankruptcy Courts - Location and Contact Information

Tennessee bankruptcy courts are divided into three districts, which are further divided into several divisions. Generally, the debtor's county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor's principal place of business or principal assets.



EASTERN DISTRICT OF TENNESSEE

Counties of Jurisdiction:

Chattanooga Division - Bledsoe, Bradley, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie Counties

Knoxville Division - Anderson, Blount, Campbell, Claiborne, Grainger, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier and Union Counties

Greeneville Division - Carter, Cocke, Greene, Hamblen, Hancock, Hawkins, Johnson, Sullivan, Unicoi and Washington Counties

Winchester Division - Bedford, Coffee, Franklin, Grundy, Lincoln, Moore, Van Buren and Warren Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Chattanooga
Division
U.S. Bankruptcy Court
Historic U.S. Courthouse
31 East 11th Street
Chattanooga, TN 37402

Same (423) 752-5163
Knoxville
Division
U.S. Bankruptcy Court
Howard H. Baker Jr. U.S. Courthouse
800 Market Street, Suite 330
Knoxville, TN 37902
Same (865) 545-4279
Greeneville
Division
U.S. Bankruptcy Court
James H. Quillen U.S. Courthouse
220 West Depot Street, Suite 218
Greeneville, TN
Same
(423) 787-0113
Winchester
Division
U.S. Post Office & Courthouse
200 South Jefferson Street
Room 305
Winchester, TN 37398
U.S. Bankruptcy Court
Historic U.S. Courthouse
31 East 11th Street
Chattanooga, TN 37402
(423) 752-5163

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WESTERN DISTRICT OF TENNESSEE

Counties of Jurisdiction:

Western Division - Dyer, Fayette, Lauderdale, Shelby and Tipton Counties

Eastern Division - Benton, Carroll, Chester, Crokett, Decatur, Gibson, Hardeman, Hardin, Haywood, Henderson, Henry, Lake, McNairy, Madison, Obion, Perry and Weakley Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Western Division U.S. Bankruptcy Court
200 Jefferson Avenue
Suite 410
Memphis, TN 38103


Same
(901) 328-3500
Eastern Division U.S. Bankruptcy Court
111 South Highland Avenue
Room 107
Jackson, TN 38301
Same (731) 421-9300

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MIDDLE DISTRICT OF TENNESSEE

Counties of Jurisdiction:

Nashville Office - Cannon, Cheatham, Davidson, Dickson, Houston, Humphreys, Montgomery, Robertson, Rutherford, Stewart, Sumner, Williamson and Wilson Counties

Columbia Office - Giles, Hickman, Lawrence, Lewis, Marshall, Maury and Wayne Counties

Cookeville Office - Clay, Cumberland, DeKalb, Fentress, Jackson, Macon, Overton, Pickett, Putnam, Smith, Trousdale and White Counties

OFFICES STREET ADDRESS MAILING ADDRESS TELEPHONE
Nashville Office U.S. Bankruptcy Court
701 Broadway, Rm. 160
Nashville, TN 37203
U.S. Bankruptcy Court
PO Box 24890
Nashville, TN 37202
(615) 736-5584
Columbia Office
(not permanently
staffed)
Columbia Court House
815 South Garden Street
Columbia, TN 38401
U.S. Bankruptcy Court
PO Box 24890
Nashville, TN 37202
(615) 736-5584
Cookeville Office
(not permanently
staffed)
Cookeville Court House
9 East Broad Street
Cookeville, TN 38503
U.S. Bankruptcy Court
PO Box 24890
Nashville, TN 37202
(615) 736-5584

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Tennessee Bankruptcy Laws and Exemptions

Tennessee Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Tennessee bankruptcy filings, state exemptions are used.

Following are common state exemptions in Tennessee:

Homestead $5000 homestead exemption; $7500 if real estate jointly owned
Automobile No specified automobile exemption
Other Property Personal property in the aggregate value of $4000
100% of wearing apparel, family portraits and pictures, and family Bible and school books

Contact a Tennessee bankruptcy lawyer for more information regarding Tennessee bankruptcy exemptions.

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Tennessee Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Tennessee Credit Counseling & Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Tennessee must:

1. take a credit counseling course from an approved Tennessee credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Tennessee debtor education agency prior to receiving a bankruptcy discharge.

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Tennessee Personal Bankruptcy Attorneys

To find Tennessee bankruptcy lawyers in your area, you may want to contact your local county bar association or the Tennessee Bar Association:

Tennessee Bar Association
221 Fourth Avenue North, Suite 400
Nashville, Tennessee 37219
Telephone (615) 383-7421

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Tennessee Bar Association's Legal Aid/Legal Services' page for a list of organizations that provide legal services to low income clients in Tennessee.

If you are concerned about the representation provided to you by a Tennessee bankruptcy attorney, contact the Board of Professional Responsibility of the Supreme Court of Tennessee at (800) 486-5714.

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Resources for Tennessee Bankruptcy Laws

U.S. Bankruptcy Court for the Eastern District of Tennessee - administrative and procedural information for Eastern District of Tennessee bankruptcy filings

U.S. Bankruptcy Court for the Western District of Tennessee - administrative and procedural information for Western District of Tennessee bankruptcy filings

U.S. Bankruptcy Court for the Middle District of Tennessee - administrative and procedural information for Middle District of Tennessee bankruptcy filings

Office of the U.S. Trustee for Region 8 - oversees the administration of Tennessee personal bankruptcy cases and case trustees

Tennessee Bar Association - information about the Tennessee bar, membership, ethics, continuing legal education, and resources for the public.

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