Free Consultation: (901) 543-5045Tap to Call This Lawyer
Bruce Allen Ralston

Bruce Allen Ralston

  • Bankruptcy, Consumer Law
  • Tennessee
Claimed Lawyer ProfileSocial Media

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.

Pro Bono Service Award
Memphis Area Legal Services
Given award for the large number of pro bono assignments accepted for that year. I accepted placement of approximately 30 cases, all involving situations where elderly or disabled people were being sued over credit cards and other debts that they disputed. Most of those lawsuits were dismissed outright, and the rest were settled for a small fraction of the amount claimed to be owed.
Professional Associations
Tennessee State Bar  # 016260
Placeholder image for professional associations.
NACA (Nat'l Assoc. of Consumer Advocates)
- Current
Placeholder image for professional associations.
NACBA (Nat'l Assoc. of Consumer Bankruptcy Attorneys)
- Current
Placeholder image for professional associations.
Memphis Bar Association
- Current
Placeholder image for professional associations.
Jurisdictions Admitted to Practice
Placeholder image for jurisdictions.
  • 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)
Practice Areas
Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
Consumer Law
Class Action, Lemon Law
Additional Practice Area
  • Suing abusive debt collectors
Social Media
Websites & Blogs
Contact & Map
2670 Union Extended
2670 Union Extended
Suite 1200
Memphis, TN 38112
Telephone: (901) 543-5045
Cell: (901) 235-3328
Fax: (901) 432-5212