Free Consultation: (615) 883-9562Tap to Call This Lawyer
David Earl Phillips

David Earl Phillips

David E. Phillips, Attorney at Law
  • Bankruptcy, Consumer Law, Foreclosure Defense
  • Tennessee
Claimed Lawyer ProfileQ&ASocial Media

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
120 Questions Answered

Q. What’s the median income requirement for a family of 3 in the state of Tennessee to file a chapter 7?
A: The median income for a family of 3 is $ 5521 per month. That is the gross income. Hope that helps.
Q. I filled out the papers for bankruptcy can I file them January 2nd
A: Sure! As long as the clerk's office is open you may file the papers unless you have access to electronic filing, which is 24/7. Do not forget that you must complete the Credit Counseling Course before you file the case and then file the certificate you receive with the court clerk. It can be complicated to do everything correctly so it is usually best to have a lawyer assist you. Good luck!
Q. If I inherited a home 6 years before I file for a chapter 7 bankruptcy will the court take my inheritance from me
A: The home will be property of the bankruptcy estate. Depending on the value of the home and your exemption will determine if the bankruptcy trustee will take the home and sell it. You really need a local bankruptcy lawyer to advise you of your options. Good luck!
Q. I'm confused about bankruptcy - if I declare do my debts go away, or will things just go into a new payment plan?
A: Depends on the chapter you file. Chapter 7 discharges most debts while chapter 13 is a repayment plan. See a bankruptcy lawyer near you and they can advise what would be best for you. Good luck!
Q. Will the hospital ever be able to come after me for unpaid bills once I declare bankruptcy?
A: If you file a Chapter 7 bankruptcy and receive a discharge of your debts then all listed unsecured debts in your petition will be gone and uncollectible by the hospital. Any new charges after you file bankruptcy would still be yours to pay. Good luck!
Q. I filed Bankruptcy chapter 7 and it was discharged 10/05/2010. what is the date i can file chapter 7 again.
A: You count 8 years from the filing date of the 2010 case in order to be able to get a discharge in a second chapter 7 filing. Filing to filing, not discharge to filing. Best to see a lawyer near you to see if you are eligible. Hope that helps. Good luck!
Q. How long do you have to wait to file bankruptcy again.
A: Chapter 7 filings must be 8 years apart in order to receive a discharge. You count filing date to filing date. You can file a chapter 13 and receive a discharge in that case if it has been 4 years from the prior chapter 7 filing. Again, filing date to filing date. See a bankruptcy lawyer near you to determine if bankruptcy is an option for you. Good luck!
Q. Well considering they are killing me on a garnishment i probably should file bankruptcy
A: You need to see a bankruptcy lawyer near you to answer that question. It depends on a lot of factors to determine what chapter you qualify for. We look at income, debts, and assets you may have. Without all of this information, it is impossible to advise you of your best option. Hope it works out. Good luck!
Q. How do I find out when I filed bankruptcy last?
A: Call the Bankruptcy Court Clerk's office for the area where you filed. They can usually look it up for you. A bankruptcy lawyer near you will also have access to this information on the internet. Good luck!
Click here to see all answers
Social Media
Contact & Map
David E. Phillips, Attorney at Law
2525 Lebanon Pike
Nashville, TN 37214
Telephone: (615) 883-9562
Fax: (615) 885-2141