10 Best Bankruptcy Lawyers in Hixson, TN

This guide covers 10 bankruptcy attorneys and firms serving Hixson, Chattanooga, Soddy-Daisy, Red Bank, and the rest of Hamilton County, along with nearby North Georgia. Bankruptcy cases filed by Hixson residents are heard in the U.S. Bankruptcy Court for the Eastern District of Tennessee at its Chattanooga courthouse. We evaluated each firm on how much of its practice is devoted to consumer bankruptcy, credentials such as board certification in consumer bankruptcy law or service as a bankruptcy trustee, the volume of Chapter 7 and Chapter 13 cases it has handled, how close its office is to Hixson, and practical factors such as free consultations, low-down-payment options, and help with foreclosures, repossessions, and wage garnishments.

When comparing options, ask three practical questions. First, does the attorney file Chapter 7 and Chapter 13 cases in the Chattanooga bankruptcy court every week, and do they know how the local Chapter 13 trustee reviews repayment plans? Second, will the attorney personally attend your meeting of creditors and handle any problems that come up, or will the case be passed to a paralegal? Third, how does the firm charge, and can fees for a Chapter 13 be paid through the plan instead of upfront? This list is not ranked and not sponsored.

1. Mark T. Young & Associates

• Attorney/Key Figure: Mark T. Young, Founding Attorney; S. Dustin Granger, Attorney
• Headquarters: 2895 Northpoint Blvd., Hixson, TN 37343
• Phone: (423) 933-1606
• Website: marktyoung.com
• Practice Areas: Bankruptcy exclusively (Chapter 7, Chapter 13, Small Business Bankruptcy, Debt Relief, Foreclosure, Repossession, Wage Garnishment and Liens, Creditor Harassment, Credit Card Debt, Bankruptcy and Child Support, Divorce and Bankruptcy, Asset Protection)
• Firm Size: Bankruptcy-only firm based in Hixson; founder admitted to the Tennessee bar in 1977, with more than 30 years of Chapter 7 and Chapter 13 experience
• Practice Area Page: Chattanooga Chapter 7 Bankruptcy Lawyer and Chattanooga Chapter 13 Bankruptcy Lawyer

About the Firm: Mark T. Young has been a member of the Tennessee bar since 1977 and has spent more than three decades helping Chattanooga-area families file Chapter 7 and Chapter 13 bankruptcy. His firm is based on Northpoint Boulevard in Hixson, which makes it the most convenient choice on this list for Hixson, Soddy-Daisy, and North Chattanooga residents, and it serves clients throughout Southeast Tennessee and North Georgia. Attorney S. Dustin Granger works alongside him.

Bankruptcy is the only thing the firm does, and it uses that focus to stop the problems that push people to file: creditor harassment, wage garnishments, foreclosures, and repossessions. During the initial evaluation, the firm uses technology to pull creditor reports and tax assessment information, giving clients a clear picture of their debts and options before they decide. It also handles small business bankruptcy and the interplay between bankruptcy, divorce, and child support, and every case starts with a free consultation.

2. Kenneth C. Rannick, P.C.

• Attorney/Key Figure: Kenneth C. Rannick, Founding Attorney
• Headquarters: 4416 Brainerd Rd., Chattanooga, TN 37411
• Phone: (423) 205-7744
• Website: bankruptcychattanooga.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13, Subchapter V Small Business, Credit Card Debt)
• Firm Size: Bankruptcy practice; founder board certified in consumer bankruptcy since 1994, with more than 17,000 cases filed

About the Firm: Kenneth C. Rannick has practiced since 1988 and has been board certified in consumer bankruptcy law by the American Board of Certification since 1994, one of the few credentials that requires peer review and an exam specific to bankruptcy. His firm reports more than 17,000 bankruptcy cases filed and serves Hamilton, Bradley, Marion, Rhea, Sequatchie, and surrounding counties. He is a member of the National Association of Consumer Bankruptcy Attorneys and is recognized by Super Lawyers and Martindale-Hubbell.

The firm offers $0-down Chapter 13 filings for qualifying clients and a $0-down start on Chapter 7, with an affordable payment toward attorney fees before filing, plus 24/7 phone availability and a free consultation. It also handles Subchapter V filings for small businesses. As a practice built around one attorney’s name, clients should expect a smaller team than the largest firms on this list.

3. Tom Bible Law

• Attorney/Key Figure: W. Thomas Bible Jr., Founding Attorney; John Roan, Attorney
• Headquarters: 6112 Shallowford Rd., Chattanooga, TN 37421 (additional office in Tullahoma, TN)
• Phone: (423) 874-6628
• Website: tombiblelaw.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13, Chapter 11, Chapter 12, Emergency Filings, Second Mortgage Stripping, Rebuilding Credit)
• Firm Size: Bankruptcy firm with more than 18 years of experience and more than 10,000 bankruptcy cases handled

About the Firm: Tom Bible and attorney John Roan run a bankruptcy practice that has handled more than 10,000 cases over more than 18 years, serving clients across Tennessee and North Georgia from offices in Chattanooga and Tullahoma. The firm covers every consumer and small business chapter, including Chapter 11 reorganizations and Chapter 12 for family farmers.

The firm’s emphasis on Chapter 13 includes stripping wholly unsecured second mortgages, which can remove a second lien from a home that is worth less than the first mortgage. It also handles emergency filings to stop an imminent foreclosure or repossession and offers free consultations. Its office is on the east side of Chattanooga, a longer drive from Hixson than the firms in Hixson or downtown.

4. Eron H. Epstein, Bankruptcy Attorney

• Attorney/Key Figure: Eron H. Epstein, Founding Attorney
• Headquarters: 713 Cherry St., Chattanooga, TN 37402
• Phone: (423) 267-1512
• Website: moneyproblems.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13), Foreclosure Defense, Debt Relief and Creditor Protection, Debt Solutions
• Firm Size: Bankruptcy-only practice; founder has more than 40 years of experience

About the Firm: Eron H. Epstein has more than 40 years of experience and a practice in downtown Chattanooga that handles only bankruptcy cases, serving clients in Tennessee and North Georgia. He holds a 10 rating on Avvo and has been licensed for more than four decades, making him one of the longest-practicing bankruptcy attorneys in the city.

The firm offers a free, confidential consultation and a “debt strategy session” for people who are not sure whether bankruptcy is the right answer, along with foreclosure defense and debt relief options. It publishes a free book, blog, and video resources explaining the process. As a long-established solo-led practice, it has a smaller bench than multi-attorney firms.

5. Farinash & Stofan

• Attorney/Key Figure: Amanda M. Stofan, Managing Partner; Jerrold D. Farinash, Partner
• Headquarters: 7047 Lee Hwy., Suite 205A, Chattanooga, TN 37421
• Phone: (423) 805-3100
• Website: 8053100.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13, Chapter 11), Business Law, Real Estate Law
• Firm Size: Four-attorney bankruptcy and business firm; ranked Tier 2 in Chattanooga by Best Law Firms for bankruptcy and creditor debtor rights

About the Firm: Amanda M. Stofan is certified as a Consumer Bankruptcy Specialist by the American Board of Certification, has served as a Chapter 7 panel trustee in the Eastern District of Tennessee since February 2024, and was appointed a Subchapter V trustee for the district in March 2025. That trustee experience gives her a direct view of how cases are reviewed from the other side of the table. Jerrold D. Farinash has been licensed for more than four decades.

The firm handles consumer Chapter 7 and Chapter 13 cases as well as Chapter 11 business reorganizations, and its real estate and title work is useful when a bankruptcy involves selling or refinancing a home. It is recognized by Best Law Firms in Chattanooga for bankruptcy and creditor debtor rights. Because the firm also has a substantial business and title practice, consumer bankruptcy is one of several focus areas.

6. Richard Banks & Associates, P.C.

• Attorney/Key Figure: Richard L. Banks, Founding Attorney; R. Bradley Banks, Attorney
• Headquarters: 393 Broad St. NW, Cleveland, TN 37311
• Phone: (423) 219-3299
• Website: rbankslawfirm.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13), Foreclosure, Repossession, Wage Garnishment
• Firm Size: Bankruptcy and debt relief firm with more than 100 years of combined experience; overseen by a board-certified bankruptcy specialist

About the Firm: Richard Banks & Associates is a debt relief and bankruptcy firm overseen by Richard L. Banks, a board-certified bankruptcy specialist, with a team that brings more than 100 years of combined experience. The firm says its attorneys led a campaign that raised Tennessee’s bankruptcy exemption amounts, which determine how much property filers can keep.

It offers free consultations, no-money-down options, flexible payment plans, and same-day appointments for urgent situations, and it works to stop foreclosures up to the day of the sale. Its office is in Cleveland, east of Chattanooga, so it is a longer trip from Hixson than the Chattanooga-based firms.

7. Burk & Ramsey, LLC

• Attorney/Key Figure: Millard Ramsey, Attorney
• Headquarters: 203 Chickamauga Ave., Rossville, GA 30741
• Phone: (423) 464-4500
• Website: burkandramsey.com
• Practice Areas: Bankruptcy (Chapter 7, Chapter 13)
• Firm Size: Small bankruptcy practice serving Chattanooga and North Georgia; more than 1,000 clients served

About the Firm: Millard Ramsey worked at one of the largest bankruptcy firms in the Tennessee Valley before opening his own practice, and he holds an MBA in finance in addition to his law degree, a useful background for analyzing household budgets and repayment plans. His team includes a bankruptcy paralegal with about 25 years of experience, and the firm reports serving more than 1,000 clients.

The firm offers free consultations with Ramsey himself, and it will meet clients at their own location as well as in the office. Its office is in Rossville, Georgia, just across the state line from Chattanooga, so it is a longer drive from Hixson and has a smaller team than the larger Chattanooga practices.

8. Ginsburg Law Group, P.C.

• Attorney/Key Figure: Amy Bennecoff Ginsburg, Founding Attorney
• Headquarters: 653 W. Skippack Pike, Suite 300-71, Blue Bell, PA 19422 (Tennessee office in the Hixson area at 5450 Highway 153; additional offices in California, Maryland, Florida, and Texas)
• Phone: (855) 978-6564
• Website: ginsburglawgroup.com
• Practice Areas: Consumer Bankruptcy (Chapter 7, Chapter 13, Chapter 13 Plans, Conversions, Rebuilding Credit After Bankruptcy), Consumer Protection
• Firm Size: Multi-state consumer law firm; founder licensed for about 20 years

About the Firm: Ginsburg Law Group is a consumer law firm led by Amy Bennecoff Ginsburg, who has been licensed for about 20 years and holds a 10 rating on Avvo. The firm lists a Tennessee location on Highway 153 in the Hixson area, and its bankruptcy practice covers Chapter 7, Chapter 13, plan affordability, co-debtors, and conversions between chapters.

Its website includes an unusually detailed bankruptcy resource center, with guides on timing a filing, life events during bankruptcy, renting after bankruptcy, and rebuilding credit. The firm is headquartered in Pennsylvania and operates in several states, so it has less of a local Chattanooga footprint than the firms based here.

9. Harriss and Hartman Law Firm, P.C.

• Attorney/Key Figure: Carson Royal, Attorney
• Headquarters: 200 McFarland Ave., Rossville, GA 30741 (Chattanooga office at 2015 McCallie Ave., Suite B, Chattanooga, TN 37404)
• Phone: (706) 406-1649
• Website: harrisshartman.com
• Practice Areas: Personal Bankruptcy, Personal Injury, Car Accidents, Criminal Law and DUI, Family Law, Probate and Estate Planning, Workers’ Compensation
• Firm Size: Six-attorney firm serving Chattanooga and North Georgia since 1972, with more than 100 years of combined experience

About the Firm: Harriss and Hartman has served clients in Chattanooga and North Georgia since 1972, and its six attorneys bring more than 100 years of combined experience. The firm has a Chattanooga office on McCallie Avenue in addition to its Rossville, Georgia, headquarters, and personal bankruptcy is one of its practice areas.

The firm offers free initial consultations, Spanish interpreters, and flexible fee arrangements. Its family law and probate practices are useful when a bankruptcy overlaps with a divorce or an estate. Because it is a general practice firm with a large injury docket, bankruptcy is not its primary focus.

10. Purple Law Firm

• Attorney/Key Figure: Jim Purple, Founding Attorney
• Headquarters: 6406 E. Brainerd Rd., Chattanooga, TN 37421
• Phone: (423) 899-0131
• Website: purplelawfirm.com
• Practice Areas: Bankruptcy and Debt Relief, Family Law, Criminal Defense, Civil Litigation, Estate Matters
• Firm Size: Chattanooga general practice firm; founder serving the area since 1982

About the Firm: Jim Purple has served Chattanooga-area clients since 1982, and his firm’s attorneys work as a team across bankruptcy and debt relief, family law, criminal defense, and civil litigation. That breadth is useful for clients whose financial problems are tied to a divorce, a lawsuit, or a criminal matter.

The firm’s long local presence gives it familiarity with the Chattanooga courts and creditors. Because bankruptcy is one of several practice areas rather than its specialty, clients with complex Chapter 13 or business cases may prefer a bankruptcy-only firm.

Hixson, TN Bankruptcy Resources

• U.S. Bankruptcy Court, Eastern District of Tennessee (Chattanooga): 31 East 11th Street, Chattanooga. Where Hamilton County bankruptcy cases are filed and heard.
• Chapter 13 Trustee, Chattanooga: Administers Chapter 13 repayment plans, collects plan payments, and distributes them to creditors.
• U.S. Trustee Program, Region 8: Oversees bankruptcy administration in Tennessee and maintains the lists of approved credit counseling and debtor education providers.
• Hamilton County Trustee: Collects property taxes, which can affect Chapter 13 plans when taxes are delinquent.
• Legal Aid of East Tennessee: Provides free civil legal help, including some debt and consumer matters, for qualifying low-income residents.
• Chattanooga Bar Association Lawyer Referral Service: Connects residents with local attorneys, including bankruptcy lawyers.

Frequently Asked Questions

Should I file Chapter 7 or Chapter 13 in Tennessee?

Chapter 7 is usually faster and wipes out unsecured debt, but it requires passing the means test and may require giving up non-exempt property. Chapter 13 is often the better choice if you are behind on a mortgage or car loan and want to keep it, or if your income is too high for Chapter 7. Firms such as Mark T. Young & Associates and Tom Bible Law handle both chapters and can compare them for your situation.

Can bankruptcy stop a foreclosure in Hamilton County?

Yes. Filing triggers the automatic stay, which halts a foreclosure sale, and Chapter 13 lets you catch up on missed payments over three to five years. Timing matters, so contact an attorney as soon as you receive a foreclosure notice. Richard Banks & Associates and Eron Epstein both handle foreclosure-focused filings.

Where will my bankruptcy case be heard if I live in Hixson?

Hixson residents file in the U.S. Bankruptcy Court for the Eastern District of Tennessee, Southern Division, at 31 East 11th Street in Chattanooga, and attend their meeting of creditors in Chattanooga. Local firms such as Mark T. Young & Associates in Hixson and Farinash & Stofan in Chattanooga appear there regularly.

How much does a bankruptcy attorney cost in Chattanooga?

Attorney fees vary by chapter and complexity, in addition to the court filing fee of $338 for Chapter 7 or $313 for Chapter 13. Many Chattanooga firms offer free consultations, and some, such as Kenneth C. Rannick, P.C. and Richard Banks & Associates, advertise no-money-down options or payment plans. In Chapter 13, attorney fees are often paid partly through the repayment plan.

Does board certification matter for a bankruptcy attorney?

Board certification in consumer bankruptcy from the American Board of Certification requires substantial bankruptcy experience, peer references, and a written exam, so it signals a high level of specialization. Kenneth Rannick, Amanda Stofan of Farinash & Stofan, and Richard L. Banks hold board certification. Many experienced attorneys without it also handle bankruptcy cases every day.

How long does bankruptcy stay on my credit report?

A Chapter 7 bankruptcy can remain on your credit report for up to 10 years and a Chapter 13 for up to 7 years, but many filers begin rebuilding credit soon after their discharge. Firms such as Tom Bible Law and Ginsburg Law Group publish guides on rebuilding credit after bankruptcy.

Disclaimer: For informational purposes only-not legal advice. Bankruptcy proceedings in Tennessee are governed by federal laws alongside state-specific exemption rules and filing timelines. Attorney availability, experience, and office locations change over time; verify all credentials directly with the firm and the Tennessee Board of Professional Responsibility before hiring counsel.