Coles & Holton, LLP

Posted on June 15, 2026

Website: https://colesandholton.com/

Coles & Holton, LLP is a bankruptcy law firm based in Nashville, Tennessee. The firm focuses on consumer bankruptcy and debt relief, representing individuals in the Greater Nashville and Middle Tennessee area. Its approach is summarized by the firm’s recurring phrase “real people, real representation, real results,” and it emphasizes that “bankruptcy is not failure. It is your legal right to debt relief.” The firm offers one-on-one representation and free consultations.

Services

Coles & Holton provides legal services centered on personal bankruptcy and related debt matters:

  • Chapter 7 Bankruptcy: Described as allowing clients to “eradicate unsecured debts,” after which the client is no longer responsible for payment. The firm notes this option may still allow clients to keep assets such as a home and car if payments are current, and is common for credit cards, payday loans, medical bills, and deficiency balances. The process can take up to five months, and the firm states an employer will not be notified.
  • Chapter 13 Bankruptcy: Available to individuals with a regular, steady income to “enact a plan to repay part or all of their debts owed.” This process can take up to five years and is intended to help clients keep a home from foreclosure, reschedule secured debts, and protect equity in assets.
  • Stop Home Foreclosures: The firm answers bankruptcy questions with the goal of helping clients stop a home foreclosure.
  • Free Consultations: The firm offers free initial consultations and provides a new client form, client questionnaire, and debt schedules.

The firm also evaluates whether a client can keep a tax refund when filing for bankruptcy in Tennessee, under either Chapter 7 or Chapter 13.

About

The lawyers at Coles & Holton have assisted Middle Tennesseans in overcoming debt burdens, with the firm citing two decades of experience in bankruptcy law. The firm emphasizes personal attention, stating that clients’ cases are not “handed off to a paralegal the moment your case gets filed” and that clients will always know they are speaking with their attorney. Josh Coles is the firm’s owner. Originally from Cross Plains, he graduated from Belmont University with a BA in business administration and earned his J.D. from the Nashville School of Law. He is a member of the Tennessee Bar Association.

Location & Contact

Coles & Holton, LLP is located at 764 Roycroft Place, Nashville, TN 37203. The firm can be reached by phone at 615-712-9537 or 629-249-1036. The firm assists the Greater Nashville and Middle Tennessee area, including Davidson, Montgomery, and Robertson counties, and cities such as Clarksville, Springfield, White House, Goodlettsville, Hendersonville, Gallatin, Ashland City, Pegram, Belle Meade, Lebanon, Smyrna, La Vergne, Brentwood, and Nolensville.

Additional Information

The firm’s website includes a frequently asked questions section addressing common concerns about credit, court appearances, and Tennessee bankruptcy exemptions. The website states it is for informational purposes only and constitutes legal advertising, and that using the site does not form an attorney-client relationship.

Profile compiled from the company’s official website (colesandholton.com).

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