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David Earl Phillips

David Earl Phillips

David E. Phillips, Attorney at Law
  • Bankruptcy, Consumer Law, Foreclosure Defense
  • Tennessee
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David started Bankruptcy Practice as soon as he was admitted to the Bar to practice law in 1986. Since that time he has practiced Bankruptcy Law almost exclusively and has filed over 7000 bankruptcy cases over the past 31 years. David concentrates on Chapter 13 and Chapter 7 cases mainly dealing with Consumer Bankruptcy cases. He was Board Certified in Consumer Bankruptcy Law in 1995. He maintains a small office practice with his wife, Debbie Phillips, being his paralegal, almost from the beginning of his practice. Over the years his Father and David and Debbie’s son, Justin, has also worked at the office, so this is truly a family practice and he likes to think this helps to offer very personal service to each and every client. By maintaining a specialty in Consumer Bankruptcy, he feels we can offer the expertise that helps to make a very difficult process for most people to be as easy and less stressful as possible. He has been in the same office for almost 30 years in Donelson and David and Debbie have also lived in Donelson for their entire 37 year marriage. On weekends, if the weather is nice, David and Debbie can be found touring the back roads of Tennessee and Kentucky on their Harley. As members of the Music City Chapter of (HOG) Harley Owners Group, they now have over 150,000 miles in the saddle. If you have questions about Bankruptcy, please feel free to call, email or come by our offices at 2525 Lebanon Pike, Nashville TN 37214 at any time.

Practice Areas
  • Bankruptcy
  • Consumer Law
  • Foreclosure Defense
  • Free Consultation
Jurisdictions Admitted to Practice
6th Circuit
  • English: Spoken, Written
Professional Experience
David E. Phillips, Attorney at Law
- Current
Nashville School of Law
J.D. (1986) | Law
Honors: American Jurisprudence Award
Belmont University
American Jurisprudence
Lawyers Co-Operative Publishing Company
Insurance Law
Professional Associations
NACTT Academy for Consumer Education
- Current
Middle Tennessee Association of Consumer Bankruptcy Attorneys
- Current
National Association of Consumer Bankruptcy Attorneys
- Current
National Association of Chapter 13 Trustees
Associate Member
- Current
American Bankruptcy Institute
- Current
Tennessee Bar Association # 012214
- Current
Nashville Bar Association
- Current
American Board of Certification
Websites & Blogs
Nashville Bankruptcy Attorney
Legal Answers
94 Questions Answered

Q. I just filed chapter 7 bankruptcy on 2/14/18. I discovered a bill that I didn't include. Can I add it now?
A: Yes. There is a $31 filing fee to add a creditor. If you think you may have any more, you could wait and put them all in one filing to save money. It's $31 no matter how many you add if you do it at one time. Hope it works out. Good luck!
Q. Bankruptcy or credit card question. Can I be arrested for not paying creditors?
A: There is no debtor's prison. If there was, over 50% of Americans would be in jail. You may very well be judgment proof and not need a bankruptcy filing. It would still not hurt to talk with a bankruptcy near you to get an opinion and to see all of your options. Most lawyers offer a free consultation to review your situation. Hope it works out. Good luck!
Q. If I file personal bankruptcy how does that affect an LLC I have with my brother?
A: The trustee could be interested in your membership in the LLC. For instance, if you are a 50% member, then one half of the value of the LLC would be yours. It will depend on how much that would be worth and exemptions you may have. You really need to see a bankruptcy lawyer near you to determine your best option and what impact bankruptcy would have on the LLC. Hope it works out. Good luck!
Q. If my spouse files for bankruptcy will it affect my credit?
A: It would if you jointly apply for credit together. Guilt by association. Best to only get credit in your name to avoid this problem. Another problem could be if she had joint debt with you when she alone filed bankruptcy. If she does file bankruptcy, check your credit a few months after her case is over and be sure no mistakes were made to affect your credit as it could occur with you being married and at the same address. If so, you could then dispute the error and have it corrected. Hope it works out. Good luck!
Q. How much of a personal bankruptcy case becomes public record?
A: All of the statements and schedules and related documents included in the petition are public record. The exception is protection for full social security numbers, names of children, birth dates, and taxpayer id number. Upon a motion to the Court, sometimes other information can be kept private by restricting access to documents, for instance like domestic relations issues, etc. Speak with a bankruptcy lawyer near you and they can explain how your Court handles these matters. Hope it works out. Good luck!
Q. I live with my mother and pay rent. Can they go after my mother's house in a Chapter 7?
A: Your chapter 7 case would only involve assets you own. If the home is not yours ( the deed is not in your name ) and it has not been in your name in the past, then the house would not be property of your bankruptcy estate. See a bankruptcy lawyer near you who will be able to review all the facts of your case and see if bankruptcy would be a good option for you. Hope it works out. Good luck!
Q. How long do you have to wait to file for bankruptcy if you filed September 2011. I am now on disability
A: You may receive a discharge in a chapter 7 case once every 8 years. You count filing date to filing date. Per your question that would mean Sept. 2019. See a bankruptcy lawyer near you to review your options. Hope it works out. Good luck!
Q. How do I find the status of a Bankruptcy case-Eastern District of Missouri in which we are a claim holder?
A: You can call the clerk's office : Dana C. McWay, Clerk of Court Thomas F. Eagleton US Courthouse 111 S. 10th Street, 4th Floor St. Louis, MO 63102 Main Phone: (314) 244-4500 CM/ECF Help Desk: 1-866-803-9517 They may be able to answer your questions regarding the status of the case. They cannot give legal advice. Hope that helps. Good luck!
Q. I co-signed for my cousin's auto loan and he just declared bankruptcy. Am I liable for the debt now?
A: Depending on the terms of the auto contract you may very well be liable. It also depends on whether your cousin gives the car back to the creditor or decides to keep it and pay the loan.Read the contract carefully and it will address the default of the loan and what happens. Talk with a bankruptcy lawyer near you and they can advise you as to your rights and options. Hope it works out. Good luck!
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Contact & Map
David E. Phillips, Attorney at Law
2525 Lebanon Pike
Nashville, TN 37214
Telephone: (615) 883-9562
Fax: (615) 885-2141