Phil was born in Paducah, Kentucky in 1957. He earned his Bachelor of Science degree in Psychology, with minors in History and Art history from Centre College in 1979, and his Juris Doctor at the Salmon P. Chase College of Law at Northern Kentucky University in 1984. His 29 year practice has been primarily focused in business law, creditor’s rights, bankruptcy and real estate transactions. He represents several lending institutions and is an agent for Chicago Title Insurance Company. Phil is a member of the McCracken County, Kentucky and American Bar Associations.