Memphis-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services, foreclosure defense, and debt consolidation counsel led by B. David Sweeney, an attorney with 35+ years of experience.
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The Sweeney Law Firm, P.C. is a solo bankruptcy practice based in Memphis, Tennessee, founded and operated by B. David Sweeney, who was admitted to the Tennessee Bar in 1987. The firm has built its reputation on personalized legal representation for individuals and families facing financial distress across western Tennessee. Sweeney positions himself as a dedicated advocate who combines decades of legal experience with compassionate client service, emphasizing his understanding of the stress and vulnerability his clients experience during financial crises.
The firm primarily offers bankruptcy filing services under both Chapter 7 and Chapter 13 frameworks, along with foreclosure defense consultation and debt consolidation guidance. For Chapter 7 cases, they help clients discharge unsecured debts if they meet Tennessee's median income requirements. For Chapter 13 cases, they assist in reorganizing debts into manageable three- to five-year payment plans while allowing clients to retain property and potentially save homes from foreclosure. The firm also provides initial free consultations and a bankruptcy questionnaire to help prospective clients understand their options.
What distinguishes this practice is Sweeney's extensive tenure—over 30 years of active practice—and his emphasis on individualized service rather than high-volume processing. Client testimonials consistently highlight his approachability, honesty, and willingness to explain options before clients make decisions. The firm's positioning focuses on the personal relationship between attorney and client, with testimonials describing Sweeney as someone who "puts you at ease" and provides "compassionate and individualized service."
A realistic assessment acknowledges that this is a solo practitioner operation, which means capacity limitations and potential scheduling constraints. The website provides minimal detail on fee structures, average case timelines, or specific success rates. While the testimonials are positive, there is limited third-party verification (no mention of bar ratings, disciplinary history, or comparative case outcomes). The firm serves western Tennessee only, which is a geographic limitation. Prospective clients should verify current bar status and conduct independent research before retention.
This is state-level context for Bankruptcy Services consumers in Memphis, TN. It does not confirm that The Sweeney Law Firm, P.C. or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Relevant law: Tennessee Credit Services Businesses Act (Tenn. Code Ann. § 47-18-1001 to 47-18-1012)
Registration: Required with Tennessee Department of Commerce and Insurance, Division of Regulatory Boards
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
The Sweeney Law Firm, P.C. offers 10 services including Chapter 7 Bankruptcy filing and debt discharge, Chapter 13 Bankruptcy filing with three- to five-year payment plan organization, Foreclosure defense and home retention strategy, Debt consolidation consultation and planning, Free bankruptcy consultations, and 5 more.
The Sweeney Law Firm, P.C. has profile signals associated with Memphis and western Tennessee residents facing Chapter 7 or Chapter 13 bankruptcy filing, Homeowners at risk of foreclosure seeking legal defense and debt reorganization, Individuals seeking personalized one-on-one bankruptcy counsel rather than high-volume firm processing, Clients who prioritize relationship-based service and straightforward explanation of options.
Key strengths: Attorney has 35+ years of legal experience (admitted to Tennessee Bar in 1987); Offers free initial consultation to evaluate bankruptcy options; Provides both Chapter 7 (debt discharge) and Chapter 13 (reorganization) services. Areas to consider: Solo practitioner operation may have limited capacity and availability for new clients; Website does not disclose fee structures, payment plans, or cost comparisons.
In the Bankruptcy Services category, comparable providers include Calig Law Firm, Christopher Todd Morrison, P.C., Lefkovitz & Lefkovitz. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
The Sweeney Law Firm is profile signals for individuals and families in western Tennessee seeking personalized Chapter 7 or Chapter 13 bankruptcy representation with an attorney who emphasizes client relationship and honest counsel. The main caveat is that this is a solo practice with likely capacity constraints, and potential clients should independently verify current bar status, request detailed fee information, and confirm availability before proceeding.
Columbus-based bankruptcy and estate planning law firm offering Chapter 7 and Chapter 13 bankruptcy representation, plus wills, trusts, and powers of attorney since 1978.
Google rating from 279 reviews
Profile signals: Columbus-area residents facing wage garnishment, vehicle repossession, or foreclosure who need immediate legal intervention, Individuals with significant tax debt to the IRS seeking bankruptcy relief combined with tax resolution strategy
Houston-based bankruptcy law firm specializing exclusively in Chapter 7 and Chapter 13 filings since 1999. Led by Christopher T. Morrison with a focus on debt relief and financial fresh starts.
Google rating from 177 reviews
Profile signals: Texas residents overwhelmed by debt and creditor harassment seeking Chapter 7 or Chapter 13 filing, Individuals skeptical of debt consolidation or loan modification schemes preferring legal bankruptcy protection
Nashville and Cookeville bankruptcy law firm serving Middle Tennessee with Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings plus debt relief services.
Google rating from 42 reviews
Profile signals: Individuals and business owners with complex multi-creditor debt situations exceeding tens of thousands of dollars, Cases previously rejected by other bankruptcy attorneys due to complexity or unusual circumstances
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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