This website is intended to provide a broad range of information about consumer bankruptcy. It’s almost impossible to create a comprehensive overview without some inadvertent misimpressions. Bankruptcy law is a complex set of laws that on one hand has broad commonly understood concepts, but on the other hand has twists and subtleties that seem to change the law from time to time. There are over 350 Bankruptcy Judges across the country with millions of bankruptcy cases pending at any one time. Most of the issues that arise are routine and the outcomes are predictable. However, with lots of talented lawyers and highly capable Judges, legal questions can get very complicated. There are volumes of reported decisions from the Bankruptcy Courts, District Courts, Courts of Appeals and the Supreme Court of the United States. In addition, the courts of the various States and Commonwealths interpret Bankruptcy law. These many judicial decisions may turn on the nuanced interpretation of a single word in a statute and may result in a major pivot in the direction of our understanding of bankruptcy law.

This website strives to stay current in communicating broad concepts of bankruptcy law. Yet any particular case may have facts that will produce an outcome that is an exception to the rule, or an exception to the exceptions. In addition, there are sometimes subjective factors of fairness and compassion which weigh heavily in the court’s evaluation of any particular case.

Because of the foregoing, please understand this information is not to be considered legal advice. There is no attorney-client agreement unless there is a specific attorney-client agreement made between a reader of this website and this firm.

Any reference in this website to outcomes or results we have obtained in prior cases should not be taken by the reader to imply the same results will apply to the reader’s situation. Each case may differ depending on the specific factual circumstances of the case. Each bankruptcy is highly individual. You should consult with a well-read attorney before you decide to file a bankruptcy case.

You should not make any conclusions to file or not to file on your own without consultation with an experienced and well informed bankruptcy attorney. Your case is unique. You should not infer unjustified expectations from this website alone. You must meet with us face-to-face and provide us with information we request before we can advise you on the likelihood of your outcome.

In a similar fashion, the comparison of a lawyer’s services or fees of other lawyers may be misleading without knowing the scope of legal and factual issues in the two cases.
We have only provided truthful information on this site. However, we cannot begin to include all other facts or legal considerations that will be able to answer every question in every case, in every jurisdiction. We have tried to include enough information so as to not create a substantial likelihood that a reasonable person should formulate a specific conclusion about our services for which there is no factual foundation.

Kenneth C. Rannick and LuAnn M. Whaley are each certified as specialists in Consumer Bankruptcy Law by the American Board of Certification and they have registered such certification with the Tennessee Commission on Continuing Legal Education (“TCCLE”). The TCCLE does not itself certify any such specialty designation.

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