1. Laura Tek

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    Madison, TN

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    Hope Law Office - Meet the attorney - Michelle Thomas-Smith.

    Hope Law Office

    (6 reviews)

    Donelson

    Hope Law made filing bankruptcy easy, stress free and affordable. No frills no hassleread more

    Bankruptcy isn't fun, not for anyone. There are so many feelings and emotions involved, even as one…read morenears the point where they begin considering this "last resort option". Not only that, but it can be extremely hard to even know where to honestly begin reviewing your options! This is because of the immense haze, depression, and overall mental fog and fatigue that comes hand in hand with being in such a bad financial position. It's tough to step back and look at things from a clear-headed point of view... especially when every day feels like you're ... DROWNING. This was me about a year and a half ago... Stressed. Depressed. Ashamed. Stressed some more. Living a day-to-day that was mostly spent trying to hide the truth (from myself and others). The truth being the dire situation I had now found myself. A deep dark hole that I had slowly crawled into, created by decisions I made over the period of many years of course. My daily life at that time was one of dodging debt collectors, using payday loan places to pay past due bills, not paying bills in general... even selling things on FB and Craigslist just to "get by". Like a super shitty groundhog day that keeps repeating itself, and during this phase it can certainly start to feel as if there is NO HOPE. That no one can save you, not even yourself. However, this was just another LIE I was telling myself. It's one that "fear-brain" preaches to us pretty constantly because at this point it's was now pretty much running my life. The days get darker and the hole gets deeper. Time seems to go even faster and bills seem to be due sooner. Past due notices, repossession threats, letters and lawsuits in the mail, and a phone that you don't even want to have near you anymore because of the endless calls from robots, collectors, agencies, etc... Lucky (and life-changing) for me; my personal "breakdown" moment came in the form of a letter in the mail. It was from a bank that had now owned my truck and a huge credit line I used with my business (which was now very OUT OF BUSINESS). They weren't the only ones wanting to go courtroom with me, but they were going to take away my only transportation at that time, and seek to start docking my wages to make up for the $30,000 or so dollars I owed them... That day, at some point in the day I actually asked myself -- "Where am I really going here? What are my real options? How might this affect my life, both now and down the road?" etc.. Then, a little later that day I made an appointment that definitely altered the course of my life. Truly. I set fear aside just long enough to attempt to change course, and get help from someone who can (and did) answer these questions. Now, this type of change doesn't happen in a day, but I can say for sure this is what Michelle did for me, and with me. Even in the first sitting my whole perspective, attitude, and feelings about things started to slowly shift. Her offices are small, and comfortable. I didn't feel intimidated at all, or out of place. Even after a few minutes of sitting with her I could feel tension begin to ease. She answered everything so clearly, and I could sense her understanding and empathy for my situation. Also, that she was approaching this from a place of objectivity, reason, and absolutely NO JUDGEMENT. After a few discussions, we began to really move through my options, all of my debts, and the process involved with filing the actual bankruptcy. And when I say move through, she really does do EVERYTHING. All she needed was info on my debtors, and last papertrail, etc, and then she handled them, ALL OF THEM. She quite literally got them all off of my back within what seemed like a few weeks, and this alone was enough to change my daily reality. It's incredible what that barrage of collections does to our mental health, etc. Michelle rounded up amounts, spoke to the right people, and before I knew it we were in a courtroom negotiating my way "out". She sat down with the creditors in a special meeting, and was able to find a way that I not only kept my truck, but developed a special pay plan where I was to pay back only a percentage of what I owed - all with small payments over the course of five years. Also, her rate on the filing was less than I thought it would be. Very reasonable. In the past year my life has still been up and down, but I have been able to finally CLIMB OUT. I have found actually happiness and joy again; enjoying days where I am not haunted by the nightmare I had previously created for myself. Not only that, but she has still been there for me with help and guidance whenever needed (which has been more than a few times!) She always responds quickly, and with such honesty and sincerity. I have never felt put off or like I was a nuisance in any way. So yes, there is HOPE (sorry, pun intended! ;) and since Yelp is now cutting my little novel review off (word limit!) I'll end with a few simple ones from the heart... THANK YOU MICHELLE! =)

    Downard & Associates - Bobby Parker, Joe Dalton, Ray Akers

    Downard & Associates

    (8 reviews)

    This is my personal opinion review. According to yelps Terms of Service, I am able to make such…read morereviews without fear of legal retaliation or otherwise, as long as the information above is factual and true. Which, it is. If I could give negative stars, I would!! Atticus, which is a BS company said that downward and associates wanted to take on my disability claim so I signed the contract to work with them on my claim. I talked to them one time in the beginning when I first signed up with them and didn't hear back for months after that, so I finally called to see what my next step was after I applied and to let them know that I got paperwork in the mail and asked them if they are supposed to do it or if I'm supposed to do it and nobody ever answers the phone I would leave voicemails and finally got through and they said I had to fill it out and send it back to disability. My mind is saying if I hired an attorney, aren't they supposed to be helping me with this stuff and me not having to do everything myself? So I did the paperwork and sent it back to them as instructed by the lawyer. I had some questions so I called and reached back out once again nobody answers so I leave a message and then two weeks later get a callback saying that she got a voicemail and was returning my call. This happened again a few times when I finally get calls back weeks later so two weeks ago I called them left a message didn't hear back then last week I got my paperwork showing my claim was denied so I called them back again to discuss it with them on what my next step are and nobody answers again!!! They finally returned my call and said they needed me to re-sign my paperwork to retain them again to do the appeal for disability and I had enough. I told them I do not want them representing me anymore and then I was gonna look for a new lawyer and to please Send me paperwork showing that they were Not representing me and they are waving their fees. The lady argued with me that she thinks they talked to me more than just three times in the whole eight months that I had them and I said this is not professional. We shouldn't be going back-and-forth about this. I don't want to use you guys and that's my final answer. She said she was gonna discuss with the lawyer about sending me the paper that I needed and would get back with me. An hour goes by and one of the main lawyers calls me to try to see why I am not gonna be using them anymore and left me a voicemail so I returned his call and what do you know nobody answered again. So I called the lady back and let her know that he called and what exactly does he want to know because I already sent my letter to the disability office stating that I terminated my contract with them and I was firing them. She said that she sees in the file that he's OK with me getting the letter so she sends it to me and it says they are not gonna be waving their fees and if I win disability claim down the road they are gonna be trying to get my money out of that Even though they did absolutely nothing for me the whole eight months I had them representing me. I then emailed them letting them know that that is not right that they do not deserve any of my money because they did not help me with anything and said please resend the letter correctly as they should be doing which is the right thing to do in this situation I also called them and left a voicemail saying the same thing and now nobody has returned my calls or my emails. So if you want a company that is not going to return your calls ever or help you with your disability Then these are your people. But I don't recommend them whatsoever.

    I was denied disability and SSI back in 2002 the first time I had filed . Denied even though I met…read morethe eligibility criteria both physically and mentally. I was so put off by the denial when i was genuinely disabled I didn't decide to file the 2nd time until 2008. Again I was denied even though i met criteria in both areas for benefits. I was determined they were going to award me the benefits i officially was entitled to. Downard and Associates took my case over the phone the first day I called them inquiring. They handled everything up to the hearing and they won my case!!! They're experienced, know how to navigate the SS system to win your case and they are highly professional and supportive of you as an individual throughout the entire process. I highly recommend!!

    Rothschild & Ausbrooks

    Rothschild & Ausbrooks

    (1 review)

    I came to Mary and her team back in November of 2017 with all of my financials deciding to start…read morethe Chapter 13 process and have her represent me over the course of the 5 year repayment plan/term. For every bump along the way (whether it was needing to petition the court to take out a car loan, or information on mortgaging a new house) - Her team was always available to get me the information I needed right on the spot. Going thru a Chapter 13 is tough in itself so I am grateful I felt highly supported thru the entire process. Back on August 24th, my Chapter 13 was discharged and I also had lots of questions related to updating the credit bureaus and needing certain documents and Mary personally emailed back and forth with me to help me get the information I need. For anyone needing a really awesome firm to help represent their bankruptcy needs look no further! Mary and her team will treat you the best. Thank you Mary for all your support along the way!

    From the owner: At our firm, we see a brighter day in your future. Since we opened our doors in 1976, we have…read morehelped thousands of individuals and families get a fresh start from debt through the Chapter 7 and Chapter 13 bankruptcy process. We are the debt relief law firm to turn to when you have nowhere else to turn from creditors harassing and threatening you with calls, letters and legal actions. We offer a free consultation to review your financial circumstances and explain the process. If you hire us, we will put an immediate stop to creditor calls and legal actions and start working immediately to help you see a brighter future.

    Laura Tek - bankruptcy - Updated September 2026

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