We Can Help You

  • STOP Foreclosures
  • STOP Garnishments
  • STOP Utility Shutoffs
  • STOP Repossessions
  • STOP Lawsuits

Get Started With A Free Consultation

We Can Help You

  • KEEP Your Home
  • KEEP Your Car
  • KEEP Your Wages
  • KEEP Your License
  • KEEP Your Peace of Mind

Get Started With A Free Consultation

Our Practice Includes:

  • Caring Quality Service
  • Title 11 Debt Relief
  • Over 30 Years of Experience
  • Devotion To Helping Customers
  • Bankruptcy Planning

Chapter 13
Wage Earner

Chapter 7
Full Bankruptcy




It is possible to keep your car or truck, your house, and other personal property under the exemptions laws.

Truth About Bankruptcy FAQ

We Help You Decide What Works Best For You

For people who feel they are hopelessly behind on their bills and are drowning in debt, there is hope for getting a fresh financial start. Bankruptcy is a powerful tool when used by a qualified professional that allows most people to keep property, eliminate debts and get a second chance. At The Law Offices of Philip F. Counce, we have helped thousands of people in Memphis and throughout Tennessee with debt relief options that allow them to retake control of their lives.

We Are A Title 11 Debt Relief Agency

Our practice chiefly consists of helping honest people file Chapter 7 or Chapter 13 bankruptcy, defending lawsuits to avoid the need to file bankruptcy, and working out payments plans with creditors. We have more than three decades of experience, so we will consider all the options to help you make a sound decision.

Many people make the mistake of waiting too long before seeking help. See us if you are thinking about or already have made a second mortgage on your home or withdrawn money from your retirement plans. Don’t risk property that is needed for a fresh financial start after bankruptcy.

Get Lasting Financial Relief Through Bankruptcy

We will review your assets, income and expenses to determine whether Chapter 7 or Chapter 13 bankruptcy is a good fit for you and whether couples should file jointly or separately. The calculations from the bankruptcy means test, assets, income and expenses will help us to determine if Chapter 7 or Chapter 13 bankruptcy will work for you, or if we should consider other options.

If you qualify for Chapter 7 bankruptcy, most of your debts will be eliminated, including credit cards, medical bills, payday loans and some taxes and student loans. Some loans are reaffirmed to allow you to keep your home and cars.

In Chapter 13 bankruptcy, we will fashion a plan to make your debts affordable. Many times we lower monthly car and furniture payments, wipe out second mortgages, and eliminate debt, to make a plan that you can afford. All of your debts are covered to provide you the comprehensive relief and the protection needed.

Our Caring, High-Quality Service Makes The Difference

Our lawyers pride ourselves by providing excellent representation to our clients under the bankruptcy laws. You may come in and ask questions both before and after we file your case so all your needs and concerns can be addressed. Our fees are extremely reasonable and we are usually able to work out an arrangement for anyone who needs financial assistance.