Pre-Foreclosure Help in Memphis, Tennessee

You Know This Place. You Know These Streets.

If you’ve called Memphis home for any length of time, you know what makes this city different. You’ve driven Poplar Avenue and Sam Cooper Boulevard countless times—through Midtown, past the hospitals, toward East Memphis or downtown. You’ve probably spent time at Shelby Farms, walked along the Mississippi River at Tom Lee Park, or taken your kids to the zoo in Overton Park. Maybe you’ve caught live music on Beale Street, grabbed barbecue at one of the legendary spots, or watched the sun set over the river from the bluff.

You know the rhythm of this city. It’s simultaneously Southern charm and urban grit, world-famous music history and everyday working-class neighborhoods. You know the areas—maybe you’re in Midtown with its historic homes and artistic vibe, or in East Memphis with its shopping and schools, or in one of the neighborhoods in North Memphis, South Memphis, or out in the suburbs like Cordova or Bartlett. You know what it means when someone says they’re “inside the loop” versus out in the county.

This is the kind of place where music is in the air—where Elvis walked into Sun Studio and changed the world, where B.B. King played on Beale Street, where hip-hop legends were born. Where your home isn’t just an address on Central Avenue or Park Avenue—it’s part of a city with deep roots, where generations of families have lived and worked, where the Mississippi River has watched over the city for centuries.

So when you’re facing pre-foreclosure here in Shelby County, it doesn’t feel like just a financial problem. It feels deeply personal. It feels like you’re losing your foothold in a city that’s been home, that’s part of your identity, where your family’s history might go back generations.

What Pre-Foreclosure Feels Like in a City That’s Been Through Hard Times

There’s a particular weight to facing foreclosure in Memphis. This city has weathered a lot—economic downturns, population shifts, and the struggles that come with being a major metropolitan area in the South. You see the revitalization happening downtown, the new developments in Midtown, the growth in the suburbs, and you wonder why you can’t seem to catch a break.

Maybe you work at one of the hospitals—Baptist, Methodist, St. Jude, the Med. Maybe you’re at FedEx, the largest employer in the city, or one of the logistics companies that have made Memphis a distribution hub. Maybe you work in healthcare, education, retail, or the service industry. Maybe you’re trying to make ends meet on wages that haven’t kept pace with the cost of everything else—housing, groceries, utilities, gas.

Maybe you bought your house when things were better, thinking Memphis’s affordability compared to other cities would mean security. Or maybe you’re in one of the neighborhoods that’s been hit hard by economic changes, where property values dropped and never fully recovered. Maybe you’re dealing with an older home that needs constant repairs you can’t afford to make.

A medical emergency, a layoff, a family crisis, unexpected car repairs—life happened. Not because you were reckless. Because you’re human, and sometimes in a city where the median household income is below the national average and the poverty rate is higher than in most places, staying afloat is harder than people who’ve never lived it understand.

And here’s something important to understand: You’re not out of time yet. Pre-foreclosure means you still have options. It means the bank hasn’t taken your home. It means you can still take a breath, think clearly, and make a decision that works for you and your family.

How Foreclosure Actually Works in Tennessee

Let’s talk about what’s really happening, because understanding the process takes away some of the fear and uncertainty. In Tennessee, foreclosures can happen through either judicial or non-judicial processes, but most lenders use the non-judicial route because it’s faster. This means the bank doesn’t have to go to court to foreclose on your home.

Here’s the typical timeline:

The Tennessee Foreclosure Timeline

When You First Miss a Payment: Nothing happens immediately. The lender sends notices. You get phone calls. But they’re not rushing to foreclose—they’d actually prefer to work something out with you because foreclosure costs them money and time too.

After 30-90 Days: The letters get more serious. You start seeing terms like “default notice” or “acceleration clause.” This is where many people start to panic and avoid opening their mail. But you still have time to act.

The Notice of Default: Under Tennessee law, your lender must send you written notice before it can proceed with foreclosure. This is typically a formal notice that you’re in default on your mortgage.

The Notice of Sale: Tennessee requires at least 20 days’ notice before a foreclosure sale. This notice must include:

• The time, place, and terms of the sale
• A description of the property
• The date of the foreclosure sale

This notice usually comes by certified mail to your last known address. Whether you’re in a historic home in Cooper-Young, a house in Hickory Hill, a property in Frayser, or anywhere in Shelby County, you’ll receive it. This is your official warning that things are getting serious.

The Publication Requirement: Here in Shelby County, the lender also has to publish a notice of the foreclosure sale in a local newspaper (typically for three consecutive weeks). This is public notice—anyone can see it.

The Foreclosure Sale: If you haven’t been able to work something out or sell the property yourself, your home goes to auction. In Tennessee, foreclosure sales typically happen at the courthouse or at the property itself, depending on what’s specified in the deed of trust. For Shelby County, sales often occur at the Shelby County Courthouse in downtown Memphis.

The sale is public, usually held on a specific day (often a Tuesday or Thursday). Your home is sold to the highest bidder—sometimes the bank itself buys it back, sometimes it’s an investor looking for properties in the Memphis market.

After the Sale: Once your home is sold at auction, you typically have to move out. Tennessee has a statutory right of redemption period in some cases, but it’s limited and doesn’t apply to all situations. In most cases, what’s done is done, and it happens fast.

Here’s What Most People Don’t Realize

The process in Tennessee can move relatively quickly compared to some other states. But here’s the crucial part: at any point before that auction gavel comes down, you still have options. You can sell the house yourself. You can try to negotiate with the bank. You can explore a short sale if you owe more than the home is worth.

The key is not waiting until the last minute. Not because we’re trying to pressure you—we’re not—but because the earlier you take action, the more choices you have and the better your outcome can be.

Why Memphis Homes Are Different

Your home here isn’t like a house in just any Southern city. Memphis has a character all its own—a blend of musical heritage, river culture, working-class pride, and neighborhoods with histories that run deep.

If you’re in Midtown—in Cooper-Young, Vollintine-Evergreen, Central Gardens—your home might be a historic bungalow or Victorian with character that modern houses can’t replicate. These are the neighborhoods where artists, musicians, and families who love Memphis’s authentic vibe have put down roots. If you’re in East Memphis—near White Station, in Chickasaw Gardens, around the high schools—you might have a more traditional suburban home in areas known for good schools and established communities.

If you’re in North Memphis, South Memphis, Whitehaven, or Hickory Hill, your home is part of neighborhoods that have been the backbone of this city, where generations of Black families built communities and raised children, where churches are the heart of the neighborhood, where despite economic challenges, there’s pride and resilience.

Maybe you’re in one of the suburbs—Cordova, Bartlett, Germantown, Collierville—where families moved for schools and safety and a different pace. Maybe you’ve got an older home that needs work but is filled with memories. Maybe it’s a modest house you’ve kept up as best you can while working multiple jobs.

These aren’t just addresses on a Shelby County property record. They’re places with history—Sunday dinners, front porch conversations, block parties, kids playing in the street on summer evenings, the smell of someone grilling out on Saturday afternoon, the sound of church bells on Sunday morning.

And here’s the truth: properties in Memphis have real value, even if you’re behind on payments, even if the house needs some work. You’re in a major metropolitan area, Tennessee’s second-largest city. You’re in a logistics and distribution hub with major employers. You’re in a city with incredible history, culture, and character that draws people from around the world. You’re near the Mississippi River, near major highways, with relatively affordable housing compared to other major cities.

That means your home, even in pre-foreclosure, has value to someone. And that value might be your way out of this situation.

The Weight You’re Carrying Right Now

Let’s just be honest about what you’re going through: this is heavy. You’re probably not sleeping well. Every time the phone rings and you don’t recognize the number, your stomach drops. You avoid checking the mail because you’re scared of what might be waiting in the mailbox. You’ve run the numbers a hundred times, trying to figure out how to make it work, but the math just doesn’t add up.

Maybe you’ve thought about asking family for help, but you don’t want to burden them or admit you’re struggling. Maybe you’re embarrassed because you feel like you should be able to handle this. If you’re married, this might be causing tension in your relationship—money stress always does. If you’re on your own, the isolation might be crushing because you feel like you have no one to talk to about it.

Maybe you drive through the nicer parts of East Memphis or Germantown and feel like a failure. Maybe you see people who seem to have it all together and wonder what’s wrong with you. Maybe you’re working as hard as you can—maybe harder than you’ve ever worked—and it’s still not enough.

Maybe you go to church and hear about faith and provision, and you’re trying to believe, trying to trust, but the fear keeps winning. Maybe you’re angry—at yourself, at your situation, at a city and economy that seem stacked against working people.

Here’s what we want you to know: This situation doesn’t define who you are. You’re not a failure. You’re not irresponsible. You’re not less-than. You’re a person facing an incredibly difficult situation in a city where economic challenges are real and systemic, and you’re trying to figure out the best path forward.

The fact that you’re reading this right now means you’re actively looking for solutions. That takes courage. Many people in your situation simply shut down, ignore the problem, and hope it goes away. You’re not doing that. You’re here, you’re reading, you’re thinking. That matters.

Your Options

There’s no urgency here. No one’s going to push you into anything. We just want you to understand what’s actually possible, because sometimes knowing you have choices makes it easier to breathe and think clearly.

Option 1: Catch Up on Payments

If you’ve come into some money—maybe an inheritance, a bonus at work, help from family—you can pay what you owe and get your account current. This stops the foreclosure process immediately. If this is realistic for you, great. Problem solved.

But if you’re reading this page, it’s probably because that’s not an option right now. And that’s okay. There are other paths forward.

Option 2: Loan Modification or Forbearance

You can try working directly with your lender to modify your loan. Sometimes they’ll lower your payment, extend the term, defer some of what you owe, or in rare cases even reduce the principal. Sometimes they’ll agree to forbearance, which means you pause or reduce payments temporarily while you get back on your feet.

This can work, but it’s slow. There’s extensive paperwork. Lots of phone calls. Long wait times. And there’s no guarantee they’ll approve it—they’re under no obligation to help.

If you want to try this route, we support that. But understand it takes time, and time might be something you’re running short on.

Option 3: Sell Your Home Yourself

If you have equity in your home—meaning it’s worth more than you owe—you could list it with a real estate agent and try to sell it the traditional way. You’d pay off the mortgage, cover the closing costs and agent commissions (usually 5-6%), and keep whatever’s left over.

The challenge? Traditional sales take time. Even in Memphis’s market, it could take weeks or months to find a buyer, especially if your home needs repairs or updates, or if it’s in a neighborhood where homes move more slowly. And if you’re already in pre-foreclosure, you might not have that kind of time. Plus, getting your house “show-ready” can feel overwhelming when you’re already stressed about money.

Option 4: Short Sale

If you owe more on your house than it’s worth—which is unfortunately common in some Memphis neighborhoods where property values dropped and haven’t fully recovered—a short sale might be possible. This is where the bank agrees to let you sell the home for less than the mortgage balance. They take a loss, but it’s better for them than going through foreclosure.

Short sales can help you avoid foreclosure on your credit report, but they’re complicated and slow. The bank has to approve every step, which can take months. And you still have to find a buyer willing to wait through the entire approval process. Many buyers won’t.

Option 5: Sell Directly to a Cash Buyer

This is where we come in, and it’s the option that brings the most relief to people in your situation.

Here’s how it works: We buy houses directly, in any condition, in any situation. You don’t have to fix anything. You don’t have to clean anything. You don’t have to stage it or wait months for the right buyer or deal with bank approval processes.

We look at your home, we look at your situation, and we make you a fair cash offer. If you accept it, we handle all the details—the paperwork, the title work, the closing, everything. You can close in as little as a week or two if you need to move fast, or we can work on your timeline if you need a little more time to make arrangements.

No real estate agent commissions are eating into your proceeds. No closing costs coming out of your pocket. No judgment about your situation or why you’re selling.

You walk away without the weight of the mortgage hanging over you, without the foreclosure on your record, and you can start the next chapter of your life with a clean slate.

Why People in Memphis Choose This Route

We’ve worked with families all over Shelby County—people with homes in Midtown, East Memphis, North Memphis, South Memphis, Cordova, Bartlett, and everywhere in between. Here’s what they tell us:

“We just needed it to be over.” The constant stress of waiting, wondering, dealing with the lender—it was exhausting. Selling quickly gave them immediate peace of mind.

“We didn’t have the money to fix it up.” Many homes in pre-foreclosure need repairs. In Memphis, where many homes are older and maintenance can be expensive, selling to us meant they didn’t have to come up with thousands of dollars they didn’t have.

“We didn’t want it to become public.” A foreclosure sale at the courthouse is a matter of public record. Selling privately is quiet, dignified, and nobody in your neighborhood, at your church, or at your job has to know your business.

“We needed to move on with our lives.” Whether they were relocating for a job, dealing with a divorce, moving to be closer to family, or just needed a fresh start somewhere else, a quick sale let them close that chapter and move forward.

“The neighborhood changed.” This is a reality in Memphis. Some neighborhoods have seen economic decline, rising crime, or other changes that made people want to leave but were unable to sell through traditional methods.

“We inherited a house we couldn’t afford to keep.” This is incredibly common in Memphis, where families have deep roots. Adult children inherit their parents’ or grandparents’ home but already own their own house, and they can’t afford to keep up two properties, pay property taxes on both, or deal with being a landlord.

“Medical bills buried us.” Even with insurance, a serious illness or injury can create debt that makes the mortgage impossible to maintain, especially in a city where many people are already living paycheck to paycheck.

“We lost our job and couldn’t find another one that paid enough.” Memphis’s economy can be tough. When major employers downsize or close, finding comparable work isn’t always possible.

What Makes Memphis Special

Let’s talk about this city for a minute, because it deserves recognition.

Memphis sits on the bluffs overlooking the Mississippi River, positioned strategically where Tennessee, Arkansas, and Mississippi meet. It was founded in 1819 and grew into a major cotton market, shaped by the river trade and the racial dynamics of the South. The city has seen triumph and tragedy—the yellow fever epidemics of the 1870s nearly destroyed it, but it rebuilt and came back stronger.

Memphis became the birthplace of rock and roll when Elvis recorded at Sun Studio in 1954. It became a blues and soul music capital, home to Beale Street and Stax Records. It was where Dr. Martin Luther King Jr. came to support striking sanitation workers and where he was assassinated in 1968, a tragedy that changed the city forever.

Today, Memphis is known for several things:

• Being the home of blues, soul, and rock and roll music
• Beale Street is one of the most famous streets in America
• Graceland, Elvis’s home and the second most-visited house in America
• St. Jude Children’s Research Hospital, founded by Danny Thomas
• Being the FedEx SuperHub—the company ships more packages through Memphis than anywhere else in the world
• World-famous barbecue—Memphis-style is its own category
• The National Civil Rights Museum at the Lorraine Motel
• A cost of living that’s lower than most major American cities
• A metro population of over 1.3 million people
• Rich African American history and culture

This is a city with soul. A city where music is in the DNA. Where the river has shaped everything—commerce, culture, identity. Where working-class people have built lives and communities for generations. Where despite economic challenges, there’s pride in being from Memphis.

If your home is part of this place—whether it’s in a historic Midtown neighborhood, in one of the established suburban areas, or in the neighborhoods where Memphis’s working families have lived for generations—it has value. Real value to someone who’s looking for what Memphis offers.

And that includes us.

No Pressure. No Games. Just Honest Help.

We’re not here to pressure you into anything. We’re not going to tell you that you have to decide today, or that this is your only chance, or any of the high-pressure tactics you might have experienced from other companies. That’s not how we work, and it’s not how we’d want to be treated if we were in your shoes.

What we are here to do is give you an option that might bring some relief. If you want to talk, we’ll listen without judgment. If you want to ask questions, we’ll answer them honestly and completely. If you need time to think about it and talk it over with family, take all the time you need.

This is your home. Your decision. Your life. We’re just here to help if that’s what you want.

What Happens If You Reach Out

If you decide to call or fill out the form on this page, here’s exactly what happens next:

1. We’ll have a conversation. No pressure, no sales pitch. Just an honest talk about your situation, your home, what you owe, and what you’re hoping to accomplish.
2. We’ll come look at your property. If you’re comfortable with it, we’ll schedule a time to come by and see the house. We’ll ask some questions about the condition, the neighborhood, your timeline, and what’s important to you.
3. We’ll make you a fair cash offer. Usually within 24-48 hours, we’ll come back with an offer in writing. No obligation whatsoever. If it works for you, wonderful. If it doesn’t, that’s completely okay too.
4. You take whatever time you need to decide. Think about it. Pray about it. Talk it over with your spouse, your kids, your parents, your trusted friends, your pastor. Sleep on it. We’ll be here when you’re ready.
5. If you accept, we take care of everything. We work with a local title company, we handle all the paperwork and legal details, and we make the process as smooth and stress-free as possible. You don’t have to worry about a single thing.

This Isn’t the End of Your Story

Whatever happens with this house, it’s not the end of your story. You’re going to be okay. Maybe that’s hard to believe right now, but it’s true.

Losing a home is painful. It’s one of the hardest things a person can go through, especially in a city like Memphis where home and community and neighborhood mean so much. But it’s not the total of who you are or what you’re capable of building in the future.

People come back from this. People rebuild their lives and their credit. People find new places to call home, new rhythms, new peace. You will too. You’re stronger than you think, and you have more resources—internal and external—than you probably realize right now.

Right now, you just need to take the next step. And if that next step is reaching out to us to explore your options, we’ll be here to walk through it with you.

Frequently Asked Questions

What is pre-foreclosure and how does it work?

Pre-foreclosure is that window of time between when you fall behind on your mortgage and when your home is actually sold at auction. It’s the warning phase—the bank has started the foreclosure process, but your home still legally belongs to you. Here in Tennessee, this typically starts after you’ve missed several payments and your lender sends formal notices of default. During pre-foreclosure, you still live in your home, you still own it, and most importantly, you still have the power to decide what happens next. In Shelby County, you’ll see the notice published in a local newspaper (typically for three consecutive weeks), and by law you must receive at least 20 days’ notice before any sale can take place. This window is your opportunity—you can catch up on payments if possible, work out a deal with your lender, or sell the property on your own terms before the bank takes control. Pre-foreclosure feels terrifying because the language in the letters is intimidating and official, but it’s actually the period when you still have the most options and the most control over the outcome.

Can I sell my house during pre-foreclosure?

Absolutely, yes. And honestly, selling during pre-foreclosure is often the smartest decision you can make. It’s completely legal and actually quite common. Your home is still yours until that auction actually happens, which means you have every right to sell it just like any other time—the only difference is you need to move faster than a traditional sale typically allows. Here in Memphis, if you list your home in Midtown or East Memphis with a regular real estate agent, you might wait several weeks or months for the right buyer, and your house would need to be in good showing condition. But when you’re in pre-foreclosure, you don’t have months to wait, and you probably don’t have the money or emotional energy to do repairs, stage the house, and keep it spotless for showings. That’s exactly why selling directly to a cash buyer makes sense for so many people in your situation. We can close in as little as 7-10 days if needed, which gives you plenty of time to pay off the mortgage before the foreclosure sale happens. You walk away without the foreclosure hitting your credit report, and you’re not scrambling in panic at the last possible moment. Plenty of homeowners throughout Shelby County have sold during pre-foreclosure and moved forward with their dignity and credit intact.

How long do I have before my house goes to foreclosure?

The honest answer is: it depends on exactly where you are in the process, and Tennessee’s timeline can move relatively quickly. Once your lender begins the formal foreclosure process and publishes the required notices, you must receive at least 20 days’ notice before the sale. But here’s what people don’t always realize—by the time you receive that notice, you’ve usually already been behind for several months. Most lenders don’t start foreclosure proceedings until you’re 90-120 days delinquent. So from your very first missed payment to the actual foreclosure auction, you might have four to six months total, but Tennessee’s non-judicial process can move faster than in some other states. Once the official notices go out, the clock is really ticking. If you’re reading this and you’ve already received official foreclosure notices, don’t waste another week hoping things will magically work themselves out. You probably have a few weeks, maybe a month or two at most. That’s enough time to sell your home if you act now, but it’s not enough time to procrastinate or keep waiting for the perfect solution to appear. Every day you wait is a day closer to losing your options entirely. If you’re earlier in the process—maybe you’ve just received your first default letter—you have more breathing room, but you should still treat it seriously and start exploring your options right now while you still have time to make good decisions.

Will selling my house in pre-foreclosure stop foreclosure?

Yes, it absolutely will—if you sell in time and for enough to cover what you owe on the mortgage. When you sell your home and the mortgage gets paid off completely, the foreclosure process stops immediately because there’s nothing left to foreclose on. The debt is satisfied, the bank gets its money, you get whatever’s left over, and you’re done. Your credit will show the late payments you already made, but you avoid the actual foreclosure, which is far more damaging and stays on your credit report for seven years. Even if your home is worth less than what you owe—which unfortunately happens in some Memphis neighborhoods—selling can still stop foreclosure if your lender agrees to a short sale, where they accept less than the full mortgage balance. We’ve helped homeowners in Memphis and throughout Shelby County do exactly this—we negotiate with their bank so they can sell, pay off what they can, and walk away without the foreclosure hanging over their head like a dark cloud. The key is acting while you still have time on your side. Once that auction date is set and you’re down to the final few days, it becomes much harder and sometimes impossible to pull off. But if you reach out early enough in the process, selling your home is absolutely an effective way to stop foreclosure in its tracks and move forward with a much cleaner financial slate.

What happens if I do nothing during pre-foreclosure?

If you do nothing, the process moves forward on its own timeline, and it doesn’t end well for you. Your lender will continue with the foreclosure proceedings, your home will be sold at public auction—typically at the Shelby County Courthouse in downtown Memphis—and you’ll lose the house. Depending on what the property sells for at auction and how much you owed, you might still owe money after it’s gone—Tennessee allows what are called deficiency judgments, which means if your house sells for less than your remaining mortgage balance, the bank can sue you for the difference. So you lose your home and potentially still owe thousands of dollars. The foreclosure goes on your credit report and destroys your credit score, making it incredibly difficult to rent a decent place in Memphis, get approved for a car loan, or qualify for another mortgage for at least seven years. If you’re still living in the house up until the sale, you’ll eventually be forced to leave, and if you don’t leave voluntarily, the new owner can start eviction proceedings against you. Beyond the financial and legal consequences, there’s the emotional and social toll. A foreclosure sale is public record, and the impacts can affect your job prospects, your ability to rent, and your sense of security and dignity. On a personal level, doing nothing usually comes from feeling completely paralyzed—overwhelmed, ashamed, not knowing where to turn for help—but that paralysis only makes the outcome worse. The hardest part is taking that first step and making that first phone call, but once you do, you’ll find there are more options available than you realized. Doing nothing guarantees the worst possible outcome. Doing something—even if it’s just reaching out to have a conversation—opens up real possibilities for a better ending to this chapter.

Will selling to you hurt my credit less than a foreclosure?

Yes, significantly. A foreclosure stays on your credit report for seven years and causes massive damage to your credit score—often dropping it by 200-300 points or more. Selling your home, even when you’re behind on payments, shows that you took responsibility and resolved the debt. You’ll still have a record of the late payments you made, which does affect your score, but it’s nowhere near as devastating as an actual foreclosure. Many lenders view someone who sold their home to avoid foreclosure much more favorably than someone who let it go all the way to auction. It shows character and responsibility even in difficult circumstances.

What if I owe more than the house is worth?

We can still help. Sometimes we can work directly with your lender to negotiate what’s called a short sale, where they agree to accept less than the full payoff amount. We’ve done this many times and understand how to navigate the process. It takes some time and paperwork, but it’s absolutely possible, and it’s still much better for your credit than a foreclosure. This is particularly common in certain Memphis neighborhoods where property values haven’t fully recovered from past economic downturns.

Do I have to pay any fees or commissions?

No. We don’t charge any fees, and there are no real estate agent commissions. We make you an offer, and if you accept it, that’s the amount you receive. We handle all the closing costs on our end. What we offer is what you get.

How quickly can we close?

As fast as you need us to. We can close in as little as 7-10 days if time is critical and you’re up against a foreclosure deadline. Or we can wait a few weeks if you need more time to figure out your next living situation and make moving arrangements. We work on your timeline.

What if my house needs a lot of work?

Doesn’t matter to us at all. We buy houses in any condition. We’ve bought homes that needed new roofs, new HVAC systems, foundation repairs, complete renovations—you name it, we’ve seen it and bought it. Many Memphis homes are older and need work, and that’s completely fine with us. You don’t have to fix a single thing or spend a single dollar on repairs.

Can I stay in the house for a little while after we close?

In many cases, yes. If you need a few extra days or even a couple of weeks after closing to move out and get settled somewhere else, we can often work that into the agreement. Just let us know what you need, and we’ll do our best to accommodate your situation.

What parts of Memphis do you cover?

All of it. Whether you’re in Midtown, East Memphis, North Memphis, South Memphis, Whitehaven, Hickory Hill, Cordova, Bartlett, Germantown, Collierville, or anywhere else in Shelby County, we’re interested in helping. We work throughout the entire Memphis metro area.

Take a Breath. You’ve Got This.

You’ve made it all the way through this page, which means you’re seriously thinking about your options and looking for a way forward. That’s good. That’s really, really good.

Whatever you decide to do, please know that you’re not alone in this. Thousands of people have been exactly where you are right now, facing the same fear and uncertainty, and they found a way through. You will too.

If you want to talk with someone who will listen without judgment and help you understand your options, we’re here. No pressure. No sales tactics. Just an honest conversation about what might be possible for you.