Kent D. McPhail graduated from the University of Southern Mississippi in 1985 with a Bachelor’s of Science in Business Administration. He received his Juris Doctorate from the University of Mississippi School of Law in 1988. After graduating, he became in-house counsel for Blue Cross and Blue Shield of Mississippi, after which he practiced with a private creditor law firm for three years. In 1994, McPhail became one of the founding partners of the law firm of Dumas & McPhail, which underwent a name change in 2023 to McPhail Sanchez, LLC. He is licensed under the Mississippi Bar, the Florida Bar, the Alabama Bar, and the Tennessee Bar. He is admitted to practice in the Eleventh Circuit Court of Appeals, the Fifth Circuit Court of Appeals, and all U.S. District Courts in Alabama, Mississippi, Florida, and Tennessee. His practice is limited to the representation of creditors.