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Atty. Bruce Allen Ralston, Memphis, Shelby County, Tennessee, USA


Summary

I am a solo practitioner. Since being licensed in 1993 I have handled most types of legal matters, but since 2001 my practice has focused mostly on helping individuals and small businesses file for relief under bankruptcy. Over the past few years I have made good progress in finding options other than bankruptcy, such as defending against debt collection lawsuits, or assisting with credit reporting issues, or fighting back against abusive debt collectors, or suing mortgage companies who are padding the bill and/or using other unfair trade practices. The key to most of these alternatives to bankruptcy is using "fee shifting statutes," which force the abusive creditor or debt collector to pay your attorney fees, so you don't have to.

Practice Areas


Fees

  • Free Consultation
    Free 45 minute consultation on any debt-related matter (bankruptcy; credit reporting issues; defense of collection lawsuits; dealing with debt collectors; etc.)
  • Rates, Retainers and Additional Information
    Chapter 13: $3,000 plus costs (exact same amount any lawyer in this area would charge; usually little or nothing down); Chapter 7: Anywhere from zero to $1,500 in most cases; could be more in complicated business cases; Defense of debt collection lawsuits: Usually $450, unless you can prove that you don't owe the amount that they are claiming, in which case I charge zero. Dealing directly with debt collectors: no charge at all! Credit reporting issues: No up-front charge; actual charge depends on circumstances (anywhere from zero to $250/hour)
  • Education

    Experience

    27 years of experience

    Address

    2670 Union Extended
    2670 Union Extended
    Suite 1200
    Memphis, TN 38112
    Telephone: (901) 543-5045
    Cell: (901) 235-3328
    Fax: (901) 432-5212