title: "Tennessee Bankruptcy Chapter 7 - LSC-Grade Legal Packet"
state: "TN"
category: "Bankruptcy"
date: "2026-03-20"
price: "$97"
lsc_grade: true
Tennessee Chapter 7 Bankruptcy Filing Packet
Jurisdiction-correct document templates. Not legal advice.
ELIGIBILITY CHECKLIST
- [ ] You have lived in Tennessee for at least 91 of the last 180 days
- [ ] Your household income is at or below the Tennessee median for your household size:
| Household Size | Tennessee Median Income (2026) |
|---|---|
| 1 person | $53,398 |
| 2 people | $66,951 |
| 3 people | $73,312 |
| 4 people | $84,721 |
| 5+ people | Add $9,900 per additional person |
- [ ] If above median: you have completed Form 122A-2 means test and have insufficient disposable income for Chapter 13
- [ ] You have NOT filed Chapter 7 in the last 8 years
- [ ] You have NOT filed Chapter 13 in the last 6 years
- [ ] Your case was NOT dismissed in the last 180 days for cause
- [ ] You have completed a credit counseling course within the last 180 days
FORM 1: VOLUNTARY PETITION (Official Form 101) — BLANK TEMPLATE
`
UNITED STATES BANKRUPTCY COURT
EASTERN DISTRICT OF TENNESSEE
In re: )
) Case No.: _______________
[YOUR FULL LEGAL NAME], )
) Chapter 7
Debtor. )
VOLUNTARY PETITION
- DEBTOR INFORMATION
Name: [YOUR FULL LEGAL NAME]
All other names used in the last 8 years: [LIST ANY OR "NONE"]
Street Address: [YOUR STREET ADDRESS]
City, State, Zip: [CITY], TN [ZIP CODE]
County: [YOUR COUNTY IN TN]
- FILING DISTRICT
[X] Eastern District of Tennessee
- CHAPTER SELECTION
[X] Chapter 7 - Liquidation
[ ] Chapter 11 - Reorganization
[ ] Chapter 12 - Family Farmer or Fisherman
[ ] Chapter 13 - Adjustment of Debts
- ENTITY TYPE
[X] Individual
[ ] Corporation
[ ] Partnership
[ ] Other
- ESTIMATED ASSETS AND LIABILITIES
Estimated Assets: $[TOTAL VALUE OF EVERYTHING YOU OWN]
Estimated Liabilities: $[TOTAL AMOUNT OF ALL DEBTS]
- EXECUTION
I declare under penalty of perjury that the information is true and correct.
Date: _______________
______________________________________
Signature of Debtor
Print Name: ________________________
`
--- PAGE BREAK ---
FORM 2: SCHEDULES A/B — PROPERTY (Official Form 106A/B) — BLANK TEMPLATE
`
SCHEDULE A/B - PROPERTY
SCHEDULE A - REAL PROPERTY
If you have no real estate, write "NONE" below.
[ ] NONE
| Description | Address | Type of Interest | Current Fair Market Value |
|---|---|---|---|
| [e.g., Primary residence] | [Street address, City, TN] | [e.g., Fee simple] | $[VALUE] |
SCHEDULE B - PERSONAL PROPERTY
Check all categories that apply and list items:
[ ] 1. Cash on hand: $______________
[ ] 2. Checking accounts: Bank: ________________ Amount: $______________
[ ] 3. Savings accounts: Bank: ________________ Amount: $______________
[ ] 4. Other deposit accounts: Describe: ________________ Amount: $______________
[ ] 5. Retirement accounts: Type: ________________ Value: $______________
[ ] 6. Stocks and bonds: Description: ________________ Value: $______________
[ ] 7. Vehicles:
Year: ____ Make: ____________ Model: ____________ Value: $______________
[ ] 8. Household goods and furnishings:
- Furniture: $______________
- Electronics: $______________
- Appliances: $______________
- Other: $______________
[ ] 9. Jewelry: Description: ________________ Value: $______________
[ ] 10. Clothing: Approximate value: $______________
[ ] 11. Books and art: Description: ________________ Value: $______________
[ ] 12. Sporting equipment: Description: ________________ Value: $______________
[ ] 13. Collectibles: Description: ________________ Value: $______________
[ ] 14. Interests in insurance policies: Type: ________________ Value: $______________
[ ] 15. Other contingent and unliquidated claims: Description: ________________ Value: $______________
[ ] 16. Other: Description: ________________ Value: $______________
TOTAL VALUE OF ALL PROPERTY: $______________
`
--- PAGE BREAK ---
FORM 3: SCHEDULE C — EXEMPTIONS (Official Form 106C) — BLANK TEMPLATE
`
SCHEDULE C - EXEMPT PROPERTY
IMPORTANT: Tennessee does NOT allow federal exemptions. You must claim Tennessee state exemptions ONLY.
List ALL property you claim as exempt under Tennessee law:
| Description of Property | Tennessee Statute | Value of Claimed Exemption |
|---|---|---|
| [e.g., Homestead] | T.C.A. § 26-2-301 | $35,000 (single) |
| [e.g., Motor vehicle] | T.C.A. § 26-2-102(a)(1) | $10,000 equity |
| [e.g., Household goods] | T.C.A. § 26-2-102 | $10,000 total |
| [e.g., Tools of trade] | T.C.A. § 26-2-102(a)(5) | $10,000 |
TENNESSEE EXEMPTION LIMITS:
| Property | Exemption Amount | Statute |
|---|---|---|
| Homestead (single filer) | $35,000 | T.C.A. § 26-2-301 |
| Homestead (joint filers) | $52,500 | T.C.A. § 26-2-301 |
| Motor vehicle (one vehicle) | $10,000 equity | T.C.A. § 26-2-102(a)(1) |
| Household goods | $10,000 total | T.C.A. § 26-2-102 |
| Tools of trade | $10,000 | T.C.A. § 26-2-102(a)(5) |
| Jewelry | $1,000 | T.C.A. § 26-2-102 |
| Wages | 75% of earned but unpaid wages | T.C.A. § 26-2-106 |
| Public benefits | 100% | T.C.A. § 26-2-104 |
| Retirement accounts | 100% | T.C.A. § 26-2-105 |
TOTAL VALUE OF ALL EXEMPT PROPERTY: $______________
Date: _______________
______________________________________
Signature of Debtor
`
--- PAGE BREAK ---
FORM 4: SCHEDULE D — SECURED CLAIMS (Official Form 106D) — BLANK TEMPLATE
`
SCHEDULE D - CREDITORS HOLDING SECURED CLAIMS
List ALL creditors with secured claims:
| Creditor Name & Mailing Address | Date of Loan | Account Number | Debt Owed | Property Securing the Debt | Current Value of Property | Unsecured Portion |
|---|---|---|---|---|---|---|
| [e.g., ABC Mortgage Co.] | [Date] | [Number] | $[AMOUNT] | [Property address] | $[VALUE] | $[DIFFERENCE] |
| 123 Main Street | ||||||
| Anytown, TN 12345 |
TOTAL SECURED DEBTS: $______________
`
--- PAGE BREAK ---
FORM 5: SCHEDULE E/F — UNSECURED CLAIMS (Official Form 106E/F) — BLANK TEMPLATE
`
SCHEDULE E/F - CREDITORS HOLDING UNSECURED CLAIMS
SCHEDULE E - PRIORITY CLAIMS
[ ] NONE - Check if no priority claims
| Creditor Name & Address | Account Number | Date Debt Incurred | Debt Owed | Purpose of Debt | Code |
|---|---|---|---|---|---|
| [e.g., IRS for back taxes] | [Number] | [Date] | $[AMOUNT] | [Description] | [ ] Tax |
| [ ] Domestic support |
SCHEDULE F - UNSECURED NONPRIORITY CLAIMS
| Creditor Name & Address | Account Number | Date Debt Incurred | Debt Owed | Purpose of Debt |
|---|---|---|---|---|
| [e.g., Visa credit card] | [Number] | [Date] | $[AMOUNT] | [Description] |
| [Bank Name] | ||||
| 123 Main St |
TOTAL UNSECURED DEBTS: $______________
`
--- PAGE BREAK ---
FORM 6: SCHEDULE I — INCOME (Official Form 106I) — BLANK TEMPLATE
`
SCHEDULE I - YOUR INCOME
- EMPLOYMENT INCOME
| Debtor's Income | Occupation | Name of Employer | Address | How Often Paid | Gross Pay |
|---|---|---|---|---|---|
| [Your name] | [Job title] | [Employer name] | [Address] | [Weekly/Biweekly] | $[PER PAY] |
| Spouse's Income | [Job title] | [Employer name] | [Address] | [Weekly/Biweekly] | $[PER PAY] |
- INCOME FROM OPERATION OF BUSINESS
[ ] NONE
If any, describe: ________________________________ Amount: $______________
- OTHER INCOME (specify source and amount):
| Source | Amount per Month |
|---|---|
| [e.g., Pension, Social Security, Rental income] | $[AMOUNT] |
TOTAL MONTHLY INCOME: $______________
`
--- PAGE BREAK ---
FORM 7: SCHEDULE J — EXPENSES (Official Form 106J) — BLANK TEMPLATE
`
SCHEDULE J - YOUR EXPENDITURES
| Category | Current Monthly Expense |
|---|---|
| Food (including groceries, household supplies) | $______________ |
| Clothing and personal care | $______________ |
| Mortgage or rent | $______________ |
| Utilities (electric, gas, water, phone, internet) | $______________ |
| Car payments | $______________ |
| Gas, oil, maintenance, insurance | $______________ |
| Health insurance premiums | $______________ |
| Medical co-pays and prescriptions | $______________ |
| Taxes (if not deducted from pay) | $______________ |
| Childcare | $______________ |
| Education (tuition, books, fees) | $______________ |
| Alimony, maintenance, and support paid to others | $______________ |
| Other (describe): ____________________________ | $______________ |
TOTAL MONTHLY EXPENSES: $______________
`
--- PAGE BREAK ---
FORM 8: STATEMENT OF FINANCIAL AFFAIRS (Official Form 107) — BLANK TEMPLATE
`
STATEMENT OF FINANCIAL AFFAIRS
QUESTION 1: INCOME OTHER THAN FROM EMPLOYMENT
[ ] NONE If any: Source: ______________ Amount: $__________ Frequency: __________
QUESTION 2: RECENT EMPLOYMENT INCOME (last 2 years)
| Year | Source | Gross Income |
|---|---|---|
| [2026] | [Employer name] | $[AMOUNT] |
| [2025] | [Employer name] | $[AMOUNT] |
QUESTION 3: PAYMENTS TO CREDITORS (within 90 days before filing)
[ ] NONE
| Creditor | Date | Amount |
|---|
QUESTION 4: SUITS, ATTACHMENTS, AND EXECUTIONS
[ ] NONE Are you party to any lawsuit? [ ] Yes [ ] No
QUESTION 5: REPOSSESSIONS, FORECLOSURES (last year)
[ ] NONE
QUESTION 7: GIFTS OVER $600 (last year)
[ ] NONE
QUESTION 10: BANK ACCOUNTS (opened/closed or balance over $500 in last year)
[ ] NONE
QUESTION 12: PROPERTY TRANSFERRED (last 2 years)
[ ] NONE
EXECUTION
I declare under penalty of perjury that the information is true and correct.
Date: _______________
______________________________________
Signature of Debtor
Print Name: ________________________
`
--- PAGE BREAK ---
FORM 9: DECLARATION (Official Form 106Dec) — BLANK TEMPLATE
`
DECLARATION ABOUT SCHEDULES
UNITED STATES BANKRUPTCY COURT
Eastern District of Tennessee
Case No.: _______________
In re: [YOUR FULL LEGAL NAME], Debtor
I, [YOUR FULL LEGAL NAME], declare under penalty of perjury that:
- I am the debtor in this case.
- I have read the schedules of assets and liabilities, schedule of current income
and expenditures, and statement of financial affairs filed with this declaration.
- To the best of my knowledge and information, the schedules and statement are
true and correct.
- The amount of scheduled debts is approximately $______________.
- I have not omitted any creditor or asset from these schedules.
Date: _______________
______________________________________
Signature of Debtor
Print Name: ________________________
`
--- PAGE BREAK ---
FORM 10: SUMMARY OF SCHEDULES (Official Form 106Sum) — BLANK TEMPLATE
`
SUMMARY OF SCHEDULES
UNITED STATES BANKRUPTCY COURT
Eastern District of Tennessee
Case No.: _______________
In re: [YOUR FULL LEGAL NAME], Debtor
ASSETS
| Schedule | Total Amount |
|---|---|
| Schedule A/B - Real and Personal Property | $______________ |
| Schedule C - Property Claimed as Exempt | $______________ |
| TOTAL ASSETS | $______________ |
LIABILITIES
| Schedule D - Secured Claims | $______________ |
|---|---|
| Schedule E - Priority Unsecured Claims | $______________ |
| Schedule F - Nonpriority Unsecured Claims | $______________ |
| TOTAL LIABILITIES | $______________ |
INCOME AND EXPENSES
| Schedule I - Current Monthly Income | $______________ |
|---|---|
| Schedule J - Current Monthly Expenses | $______________ |
| NET MONTHLY INCOME | $______________ |
I declare under penalty of perjury that the information is true and correct.
Date: _______________
______________________________________
Signature of Debtor
Print Name: ________________________
`
--- PAGE BREAK ---
FILING STEPS
- Find an approved credit counseling agency at justice.gov/ust and complete the 60–90 minute course; save your certificate (valid 180 days).
- Gather pay stubs (last 7 months), last 2–3 years of tax returns, bank statements (6 months), full debt list with creditor addresses, and all asset documentation.
- Calculate the means test: compare average monthly income to TN median; if above median, complete Form 122A-2.
- Complete Forms 101, 106A/B through 106J, 107, 106Dec, 106Sum, and means test forms (122A-1 and 122A-2 if required).
- File in person at the bankruptcy clerk's office or via CM/ECF; pay the $338 filing fee (installments or fee waiver available via Form 103A or 103B).
- Within 14 days of filing, send your assigned trustee: last 2 years of tax returns and pay stubs from 60 days before filing.
- Attend the 341 Meeting of Creditors (scheduled by the court); bring photo ID and Social Security card.
- Complete the required debtor education course (separate from credit counseling) and file the certificate.
- Await discharge order (typically 60–90 days after the 341 meeting if no objections).
COURT INFORMATION
| County | Court Name | Filing Fee |
|---|---|---|
| All TN Counties | U.S. Bankruptcy Court, Eastern District | $338 |
Knoxville (Main Office): 800 Market Street, Suite 130, Knoxville, TN 37902 — (865) 545-4290
Satellite offices: Chattanooga, Nashville, Greenville. All TN cases filed in Eastern District regardless of county.
FILING CHECKLIST
- [ ] Form 101 - Voluntary Petition (original)
- [ ] Schedules A/B through J
- [ ] Schedule Summary (Form 106Sum)
- [ ] Declaration (Form 106Dec)
- [ ] Statement of Financial Affairs (Form 107)
- [ ] Form 122A-1 (Current Monthly Income)
- [ ] Form 122A-2 (Means Test - if income above median)
- [ ] Credit Counseling Certificate (Form 423)
- [ ] Statement of Intention (if you have secured debts)
- [ ] Mailing matrix (list of all creditor addresses)
- [ ] Filing fee ($338) or fee waiver application
- [ ] Photo ID (driver's license, state ID, or passport)
- [ ] Social Security card or proof of SSN
- [ ] Copies of last 2 years of tax returns (for trustee)
- [ ] Pay stubs from 60 days before filing (for trustee)
STATUTE REFERENCES
Federal Bankruptcy Law
| Topic | Statute |
|---|---|
| Chapter 7 Eligibility | 11 U.S.C. § 109 |
| Means Test | 11 U.S.C. § 707(b) |
| Automatic Stay | 11 U.S.C. § 362 |
| Discharge | 11 U.S.C. § 727 |
| Debts Not Dischargeable | 11 U.S.C. § 523 |
| Credit Counseling Required | 11 U.S.C. § 109(h) |
Tennessee State Exemptions
| Topic | Statute |
|---|---|
| Tennessee Exemptions | T.C.A. § 26-2-101 et seq. |
| Homestead Exemption | T.C.A. § 26-2-301 |
| Motor Vehicle Exemption | T.C.A. § 26-2-102(a)(1) |
| Personal Property Exemptions | T.C.A. § 26-2-102 |
| Tools of Trade Exemption | T.C.A. § 26-2-102(a)(5) |
| Wages Exemption | T.C.A. § 26-2-106 |
| Public Benefits Exemption | T.C.A. § 26-2-104 |
| Retirement Funds Exemption | T.C.A. § 26-2-105 |
DISCLAIMER
Jurisdiction-correct document templates. Not legal advice.
- Jurist-Diction is not a law firm and cannot provide legal advice.
- Bankruptcy laws are complex and have long-term financial consequences.
- These documents may not be appropriate for your specific situation.
- Laws change frequently. Verify current law before filing.
- Filing bankruptcy incorrectly can result in denial of discharge or criminal charges.
Need help? Find free legal aid at lawhelp.org or call 211.