For over five decades, we’ve helped Memphis families find relief from debt through Chapter 7 and Chapter 13 bankruptcy. Our attorneys bring decades of local experience to every case.
Founding Attorney – 57+ Years Experience
“Memphis families have trusted me with their bankruptcy filings for over 57 years. Whether it’s Chapter 7 or Chapter 13, I’ll walk you through every step and fight to protect what matters most.”
Attorney – 35+ Years Experience
Partner at Arthur Ray Law Offices since 2000. Admitted to practice law in Tennessee in 1989.
How We Can Help
Stop Creditor Harassment
Overwhelmed by debt? We guide you through Chapter 7 and Chapter 13 with clarity and compassion — helping you protect what matters and get a genuine fresh start.
Bankruptcy AttorneyExisting Clients
For questions about your case, call 901-682-1500. Faxes go to the same number. Office hours are Monday–Friday, 9:00 AM–5:00 PM.
Call 901-682-1500Since 1972
Founding partner Arthur E. Ray, Jr. and partner Richard Lee “Skip” Carnell, Sr. — Memphis attorneys licensed to practice law in Tennessee.
Attorney ProfilesBankruptcy Relief in Memphis
Foreclosure, garnishments, medical bills, credit cards — bankruptcy is a legal tool designed to give honest people a fresh start. Talk to an experienced Memphis bankruptcy attorney today.
57+ Years in Practice
For over five decades, Arthur Ray has been a trusted advocate for Memphis families. Known for personalized service, straightforward advice, and relentless representation.
35+ Years in Practice
Skip Carnell joined Arthur Ray Law Offices in 2000 and was admitted to practice law in Tennessee in 1989. Clients rely on him for clear guidance.
Deep local knowledge of Tennessee courts, judges, and procedures.
Plain-English guidance — no jargon, no false promises.
A record built on real outcomes for real Memphis families.
Free Consultation
Call, or stop by our Poplar Avenue office. We’ll listen, answer your questions, and lay out a clear path forward.