HB Hollins BankruptcyTennessee
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Nashville & Tennessee Bankruptcy Attorney. Stop the foreclosure, garnishment, or repossession.

Struggling with debt in Middle Tennessee? Attorney Michael Hollins helps Nashville-area families file Chapter 7 and Chapter 13 from home, with flat fees and no judgment. Same-day, next-day, and Saturday consultations available.

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Book a Free Consultation Call (615) 616-6677

We stop what is keeping you up at night

The day we file your case, the automatic stay forces most creditors to stop. Here is what that means in plain terms.

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Stop foreclosure

Facing a foreclosure date on your Tennessee home? Filing halts the sale and gives you room to catch up or restructure what you owe.

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Stop wage garnishment

If a creditor is taking part of your paycheck, filing stops the garnishment so your full check comes home to your family.

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Stop repossession

About to lose your vehicle? We move quickly to stop the repossession so you can keep getting to work and keep your life moving.

Filing bankruptcy in Tennessee

Which court hears your case depends on where you live in the state. Here is how it works.

Middle District (Nashville)

U.S. Bankruptcy Court, 701 Broadway, Nashville, TN 37203. Serves Nashville and the 32 counties of Middle Tennessee, with divisional offices in Cookeville and Columbia.

Western District (Memphis)

U.S. Bankruptcy Court, 200 Jefferson Avenue, Memphis, TN 38103. Serves Memphis and West Tennessee, with a divisional office in Jackson.

If you live in or around Nashville, Murfreesboro, Franklin, or Clarksville, your case is filed in the Middle District in Nashville. If you are in the Memphis area, your case is handled by the Western District. Confirming the right court for your county is part of getting your case filed correctly the first time, and we take care of that for you.

You also will not be standing in front of a judge in most cases. The one required hearing, the 341 meeting of creditors, is held by Zoom or phone. We prepare your paperwork, file the case, and walk you through that meeting in advance so there are no surprises.

Tennessee communities we serve

NashvilleMemphisMurfreesboro ClarksvilleFranklinHendersonville SmyrnaGallatinMount Juliet BrentwoodColumbiaCookeville

What you can protect in Tennessee

Tennessee uses its own state exemptions rather than the federal set. The amounts are more modest than some states, which makes planning your case correctly especially important. Here is the general picture.

Your homeTennessee protects home equity up to about $35,000 for an individual and $52,500 for joint owners, with higher amounts for filers 62 and older.
A $10,000 wildcardTennessee allows a personal property wildcard of up to $10,000 you can apply to cash, a bank account, or other belongings.
Your retirement401(k), IRA, and most pensions are generally protected.
Tools of your tradeTools you use for work are protected up to a set amount.

Exemptions depend on your specific situation, and Chapter 13 can protect property that Chapter 7 cannot. We review your numbers with you before you file.

What our clients say

Tennessee bankruptcy FAQs

Straight answers to what Tennessee clients ask us most.

Which court will my Tennessee bankruptcy be filed in?
It depends on where you live. Nashville and Middle Tennessee cases are filed in the Middle District of Tennessee at 701 Broadway in Nashville. Memphis and West Tennessee cases go to the Western District at 200 Jefferson Avenue in Memphis, with a divisional office in Jackson.
Do I have to appear in court in person?
In most cases, no. The one required meeting, the 341 meeting of creditors, is held by Zoom or phone. We prepare and file your case while you stay home, and we walk you through the meeting beforehand.
Can I keep my home if I file in Tennessee?
Often yes. Tennessee's homestead exemption is more modest than some states, generally up to $35,000 for an individual and $52,500 for joint owners, with higher amounts for filers 62 and older. The $10,000 wildcard can also help. Many homeowners keep their home, especially in Chapter 13. We review your equity with you before filing.
Does Tennessee use state or federal exemptions?
Tennessee has opted out of the federal exemption system, so Tennessee filers use the state exemptions. That makes planning your case around Tennessee's specific rules important, which is exactly what we do for you.
Will filing stop a wage garnishment or foreclosure?
Yes. The moment your case is filed, the automatic stay takes effect and most creditors must stop garnishment, foreclosure, repossession, and collection calls. If you are facing an active garnishment or a foreclosure sale date, that is exactly why we offer urgent same-day and weekend appointments.

Reach us across Tennessee

Our Nashville office

315 Deaderick St #1550
Nashville, TN 37238

Come to the Nashville office or file entirely from home by phone, email, and video. Either way, ask about our same-day, next-day, and Saturday urgent appointments.

Book a Free Consultation

Enough is enough. Let's get you a fresh start.

Talk with attorney Michael Hollins about your options. Same-day, next-day, and Saturday consultations available across Tennessee.

Book a Free Consultation Call (615) 616-6677