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J. Michael Combs

J. Michael Combs

Law Offices of J. Michael Combs
700 Craighead Street
Suite 105
Nashville, TN 37204
Map

Phone: (615) 255-7448  |  Fax: (615) 942-1895
http://www.jmichaelcombs.com

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Chapter 7 & 13 Attorney with over 25 Years of Experience

Legal Topic

Bankruptcy

Preferred New Clients

Information coming soon.

Sub-Topics

Debt Relief

Foreclosure

Bar Admissions

TN, Apr 1980
Bar Number: 007075

Specialty Certifications

Consumer Bankruptcy Attorney

Other Court Admissions

All State and Federal Courts in Tennessee

Association Memberships

• National Association of Chapter 13 Trustees • Nashville Bar Association • Association Consumer Bankruptcy Attorneys

Continuing Education

Because I am board consumer certified specialist, I must have 20 hours a year in CLE in nothing but Bankruptcy Law. Mainly I attend the National Association of Chapter 13's Trustee's annual seminar at which I gain about 14 of these hours. The rest of these hours are gained at various seminars around the state and the country.

Papers and Publications

Inter Spousal Tort Immunity in Tennessee, University of Tennessee Law Review 1979

Example Cases

Received a call from a client one morning about 9:00 or 9:30. He indicated that a real estate agent just knocked on his door and indicated the house was to be sold at foreclosure sale at 2:00 that afternoon and she wanted to see the house prior to the sale. He had no notice of the sale and he panicked. He called me. "Can you stop the foreclosure", he asked? I said that I could if he could get enough information together and be in my office no later than noon. He and his wife were in at about 12:15. We had enough paperwork prepared by 1:00 to file with the bankruptcy court. It was filed, we called the foreclosure attorney, and the sale was stopped. As of, November 2010, these clients are still in Chapter 13 and their house is still theirs.

Education 

School:

University of Tennessee Knoxville

Degree:

Doctor of Jurisprudence

City:

Knoxville

State:

TN

Year:

1979

 

School:

University of Tennessee

Degree:

Bachelor of Arts

City:

Knoxville

State:

TN

Year:

1976

Honors:

Graduated with Honors

Number of Attorneys

1

State Licensed In

Tennessee

Firm Focus and History

I opened my office as a sole practitioner in 1989 after working several years as the bankruptcy attorney for Bart Durham. In 1990, I was appointed as a Chapter 7 Trustee and served as a Trustee for two years. I then resigned in order to concentrate on representing debtors in bankruptcy. I am board certified as a specialist in consumer bankruptcy law in August 1994, one of the first lawyers in Tennessee to achieve this certification.

The focus of this law firm is filing Chapter 7 and Chapter 13 cases on behalf of working people and small businesses in the middle Tennessee area.

Previous Employment Summary

After graduating from the University of Tennessee College of Law, I worked for the law firm of Willis & Knight which represented plaintiffs in Civil Litigation and defendants in White Collar crime cases. After approximately a year with that firm, I moved to the firm (which, at that time had been the oldest law firm in Nashville) Goodpasture, Carpenter and Woods. My primary focus was insurance and defense work. After approximately a year with that firm, I then began work with the law office of Bar Durham and worked for Mr. Durham first in the field of domestic relations and then ultimately as the firm's Bankruptcy lawyer until 1989.

Activities and Awards

• Former Chapter 7 Trustee • Board Certified Consumer Law Specialist • Rated AV by Martindale Hubble • Former President in Nashville Association of Consumer Bankruptcy Attorneys

What is your opinion regarding clients educating themselves on legal issues?

I think it is very important that clients be well informed. However, this can be dangerous. Information must come from reliable sources. I've posted a number of links to my website and have included a detailed FAQ on that website.

Are you willing to review documents prepared by clients?

Generally speaking, I'm willing to review documentation. I'm occasionally approached by clients that have prepared their own bankruptcy papers who wish me to review those papers. Sadly I cannot do this. This is because essentially the client is asking me to do the bankruptcy for them. That is what a review of such papers entails. Of course they don't want to pay for my services and I would typically have to charge for the services accordingly.

Are you willing to coach clients who want to represent themselves?

Coaching clients to represent themselves is, once again, a dangerous thing. It is not unusual for the United States Trustee to appear at meetings of creditors where the client is representing themselves and ask the client specifically if he has any advice from any source or person. Thus I risk my name and reputation being dragged in to a situation of which I have no control.

Why did you decide to be a lawyer?

It is hard to say exactly why I became an attorney. Neither of my parents were well educated. My father had a 7th grade education and my mother a 9th grade education. Both of them encouraged me strongly from the time I was small to read. I therefore became a very prolific reader and a good writer. My teachers in high school began to suggest law as a possible career. I knew no lawyers and really knew nothing about the practice of law but, it sounded reasonable to me and I began to gravitate towards courses first in undergraduate school that would help me get into law school and help me be successful once I graduated from law school.

What work experience and education helps you be a better lawyer?

My clients for the most part are working class people. I come from that background. Neither of my parents were educated and they both worked at minimum wage their entire lives. While in college, I worked almost the entire time, including three summers working the graveyard shift at a local factory. After working for other lawyers, I decided to branch out and open my own law practice. While I was a good lawyer, I had a lot to learn about running a business. I have indeed learned a lot about running businesses and it allows me to advise those of my clients who run their own small businesses.

Why did you decide on your primary area of practice?

This is actually by accident. I was the employee of another lawyer. The attorney in the firm doing bankruptcy decided he did not want to do bankruptcy anymore. I was told on a Friday that I'd be the firm's new bankruptcy lawyer and I had to go to court the following Monday. I took the files home with me over the weekend, boned up on bankruptcy, and showed up in court that Monday. I discovered that I loved the practice of bankruptcy law and have been in it ever since.

What do you like best about your career?

The relief I see on people's faces when their financial burdens are lifted.

Tell us about your law firm:

I am a sole practitioner and my clients deal mostly with me. This is especially true of new clients. When a client comes in to my office, they see me. They do not see a paralegal or secretary. I'm also the same lawyer that interviews them and shows up in court with them. Very often have I seen people in court who don't know who their lawyer is. That will not be a problem with me. I have three employees. The one which most clients will deal with on a day-to-day basis will be Martha, who answers the phone. She is very well-versed in bankruptcy and most of the common problems and can answer current client questions on the phone in most cases. If not, and I'm available, I would be happy to talk to clients. If I'm not available, Martha jots down a message and gives it to me. I give her the answer and she calls the client back.

What are your strengths and style?

My primary strength is my experience. I've been doing bankruptcy law since 1982. I've been a Chapter 7 Trustee and I'm board certified. There is little that I have not seen. I rarely have to look up the answer to a question or consult with another attorney.

Personal Interests:

My wife, Faye, and I love to travel. Sadly as a sole practitioner, I cannot get away from the office for lengthy periods of time. Our last big trip was in 1998 when we took a 12-day cruise around Italy to celebrate one of my wife's more important birthdays. I will not say which birthday. I also like to read, especially history and I am very fond of all animals but especially dogs. I have two dogs, a 13 year old cocker spaniel named Max and a 2 year old mixed breed rescue dog named Rocky.

Office Manager/Assistant

Martha.

Fax

(615) 942-1895

Office Hours

Monday through Friday 8:00 a.m. to 5:00 p.m.

Emergency After Hours

No

Fixed-Price Services and Fees

Fees vary from case to case. Chapter 13 fees are established by a formula set by the court. Chapter 7 fees, for an average case, I charge between $700 and $900. Anyone reading this can mention Nolo and I will discount their fee by 10%.

Hourly Rates

Hourly rates are generally not relevant, but when charged are $300.

Free Initial Consultation?

All initial consultations are free. There is no minimum length.

Typical Retainer

Retainers are negotiable and vary from case to case. Generally there is no retainer required for Chapter 13. A small retainer, usually $200 to $300, is required in a Chapter 7. Also the court costs are required in a Chapter 7. Court costs are approximately $300. This would make the initial up-front fee approximately $600. In both Chapter 7 and 13 cases there is a $50 charge for a credit counseling course that must be taken. This goes to a credit counseling agency and not to my office, but I do collect it.

Understanding Fees

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Directory lawyers are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.