A Fresh Start Is Within Reach — Debt Relief in Memphis, TN
If debt has taken over your life, you are not out of options — and you are not alone. For 17 years, Hollis & Barnett has helped Memphis families stop the calls, protect their homes, and start over. Your first evaluation is free, confidential, and completely judgment-free.
- Stop creditor calls
- Protect your home
- Free & confidential
How Can We Help You Get Free of Debt?
There's more than one path to relief. We'll help you find the right one — starting with a free, confidential evaluation.
🌅 $0 Down to Start Most Cases 📞 Free, Confidential Evaluation — (901) 555-0163
Relief, Without the Judgment
Facing debt is stressful and scary. We make the path to a fresh start feel clear, safe, and even hopeful.
We Stop the Calls
The moment you hire us, creditor harassment must stop by law. The relentless phone calls end — often the same day.
We Protect Your Home
Bankruptcy can stop foreclosure and help you keep the home and property that matter most to your family.
We Never Judge
Good people fall into debt for a hundred reasons. You'll get compassion and respect here — never shame.
$0 Down to Start
For most cases, we can get started with nothing down and affordable payments, so cost is never a barrier to relief.
We Know the Law
17 years and 8,500+ fresh starts. We know exactly which tools give you the most relief and protection.
We Rebuild Your Future
A fresh start is just the beginning. We help you understand how to rebuild your credit and move forward.
The Firm That Treats You Like a Person
Hollis & Barnett was founded by attorneys Grace Hollis and Daniel Barnett, who believe that no one should be defined by their debt. For 17 years, we've helped more than 8,500 Memphis families climb out from under crushing bills and start over — and we've done it without a shred of judgment.
We know that by the time most people call us, they've been carrying the weight alone for a long time. Our promise is simple: we'll listen, we'll tell you honestly where you stand, and we'll fight to get you the freshest possible start. The relief our clients feel when the calls stop is the reason we do this work.
- ✓17 years and 8,500+ fresh starts delivered
- ✓Compassionate, judgment-free counsel
- ✓$0 down to start most cases
- ✓Free, confidential debt evaluation
Your Path to a Fresh Start
Getting relief is simpler than you fear. Here's exactly how it works, step by step.
Free Evaluation
We listen to your situation and review your debts — for free, in confidence, and without any judgment.
Your Best Option
We explain your real options in plain English and recommend the path that gives you the most relief.
We File & the Calls Stop
Once we file, the automatic stay legally halts creditor calls, lawsuits, garnishments, and foreclosure.
Your Fresh Start
We guide you through to discharge and beyond, so you can rebuild your credit and your peace of mind.
The calls can stop as soon as today. Get a free, confidential debt evaluation — no judgment, no pressure, and $0 down to start most cases.
Stop Foreclosure & Creditor Harassment
When you're behind on your mortgage or buried in collection calls, it can feel like everything is closing in. It doesn't have to. Filing for bankruptcy triggers an 'automatic stay' — a powerful federal protection that immediately halts foreclosure, repossession, wage garnishment, lawsuits, and those relentless creditor calls.
We've used these protections to save thousands of homes and give families breathing room to recover. If you're facing a foreclosure date or drowning in harassment, don't wait — the sooner we act, the more of your future we can protect.
- ✓The automatic stay halts foreclosure immediately
- ✓Wage garnishment and lawsuits stop by law
- ✓Creditor harassment must end when you file
You May Need Debt Relief If…
You don't have to hit rock bottom to get help. These are the signs it's time for a free evaluation.
You can only make minimum payments
If your balances never shrink and the interest keeps growing, you may be trapped in a cycle relief can end.
Creditors or collectors are calling
Constant collection calls are a clear sign it's time to talk to someone who can make them stop.
You're behind on your mortgage
If foreclosure is looming, bankruptcy's automatic stay can halt it and give you a chance to catch up.
Your wages are being garnished
Garnishment can devastate a budget. Filing can stop it and protect your paycheck.
You're using debt to pay debt
Juggling cards, loans, and bills to stay afloat is a warning sign that a reset may be your best move.
The stress is affecting your life
Debt takes a real toll on your health and family. Relief isn't just financial — it's a weight lifted.
Help Is One Call Away
From your first call to your fresh start, the path is clear, affordable, and completely judgment-free.
Free Evaluation
Call or fill out our form. We'll review your situation for free and tell you honestly how we can help.
A Plan You Can Afford
We recommend your best path and set up affordable payments — $0 down to start most cases.
We File for You
We handle the paperwork and filing, and the automatic stay stops the calls, lawsuits, and foreclosure.
You Start Over
We see you through to a discharge and a genuine fresh start — with your peace of mind restored.
Families We've Helped Start Over
I was drowning in debt and the phone rang all day with collectors. Within a day of hiring Hollis & Barnett, the calls stopped. They filed my Chapter 7 and I finally sleep at night. They gave me my life back.
We were weeks from losing our home. Their Chapter 13 plan let us keep the house and catch up on what we owed. They treated us with dignity when we felt like failures. I can't recommend them enough.
Medical bills from my son's illness buried us. Hollis & Barnett wiped out the debt and stopped the harassment. They never once made us feel ashamed. Just kindness and a real, workable path forward.
I put off calling for years out of embarrassment. I only wish I'd done it sooner. The free evaluation was honest and pressure-free, and the fresh start was real. If you're struggling, just make the call.
Frequently Asked Questions
Will bankruptcy really stop creditor calls?
Yes. The moment you hire us, creditors must contact us instead of you. And once we file, a federal 'automatic stay' legally halts collection calls, lawsuits, garnishments, and foreclosure. For most clients, the relief is almost immediate.
Will I lose everything if I file?
Almost certainly not. Bankruptcy exemptions are designed to protect your essential property — often including your home, car, retirement, and personal belongings. At your free evaluation, we'll explain exactly what's protected in your situation.
How much does it cost to file?
For most cases, we can get started with $0 down and affordable payment plans, so cost is never a barrier to getting relief. We'll be completely transparent about all fees at your free, no-pressure evaluation.
What's the difference between Chapter 7 and Chapter 13?
Chapter 7 wipes out most unsecured debt quickly, while Chapter 13 sets up a manageable repayment plan that can help you keep your home and catch up on what you owe. We'll recommend the right one for your goals and income.
Will bankruptcy ruin my credit forever?
No. While a filing does affect your credit, many clients are surprised how quickly they can begin rebuilding — often within a year or two — because the crushing debt is finally gone. We'll show you how to rebuild afterward.
Is my evaluation really free and confidential?
Completely. Your first evaluation is free, confidential, and judgment-free. We'll listen, explain your options, and there's no obligation to move forward until you're ready.
You Deserve a Fresh Start
If debt has taken over your life, relief is closer than you think. Get a free, confidential, judgment-free evaluation today — and take the first step toward starting over.
Let's Get You a Fresh Start
Tell us a little about your situation and a Hollis & Barnett team member will reach out within one business day — confidentially, and without judgment.