Is Bankruptcy Right For You?

Stop foreclosures, garnishment, and repossessions.  Whether you need to file Chapter 7 bankruptcy or Chapter 13 bankruptcy, I will guide you throughout and help you make the best choice for your individual needs.  In addition to stopping foreclosure, wage garnishments, and repossessions, bankruptcy can stop creditor harassment, stop law suits, and help you finally get out of debt!

After reviewing your entire situation, together we will determine if bankruptcy makes sense for you and if so which type of bankruptcy makes sense for you.  

Please look over the First Meeting page in the Resources tab above for information about your first Bankruptcy meeting with me. 

Chapter 7 Bankruptcy helps individuals get a fresh start by wiping out the majority of their debt.  Chapter 7 bankruptcy can discharge the majority of your unsecured debt, including credit card bills, medical bills, and unsecured loans.  At the same time, you are generally able to keep all or most of your assets and property through the process and you will likely not have to pay any money to your creditors.  The debtor usually receives a discharge of all dischargeable debts within four months after filing the bankruptcy case.

Chapter 13 Bankruptcy is a way to reorganize and get a handle on debt and helps you keep your valuable assets.  It provides a way to repay debt, either in part or in full, for individuals who have regular income, and this process, which is known as a "Bankruptcy Plan," generally takes between three and five years for most people to complete.  With a Chapter 13 bankruptcy, Federal and State Taxes, domestic support obligation arrearages, and mortgage arrearages can be paid through your Bankruptcy Plan, and monthly payments on some debts like your car can be lowered.  Attorney's fees do not have to be paid up front and can be financed through the Bankruptcy Plan and paid out over the payment period. 

After you complete your Bankruptcy Plan, all of your debts entitled to discharge will be discharged.  Thereafter creditors of discharged debt are forever barred from any collection actions against you.

Bankruptcy Myths

There are a lot of myths and misunderstandings about the bankruptcy process and the impact it will have on you and your future.  Let's separate the fact from the fiction so that you are armed with accurate knowledge from which you can make good decisions.

Bankruptcy Alternatives

Bankruptcy is not always the best choice and may not be the best option for you.  After looking at your specific situation we can together determine if bankruptcy is right for you.

For answers to many common bankruptcy questions, look over the Bankruptcy Frequently Asked Questions in the Resources tab.

Fair Debt Collections Practices Act Violations - FDCPA

You may have a claim against a creditor for a FDCPA violation.  The FDCPA is a Federal statute designed to eliminate abusive debt collection practices by debt collectors.  

• A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
• A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
• A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

A debt collector that violates a provision of the FDCPA may be liable to you for money damages including your attorney fees.  Be aware that the FDCPA is a complicated statute that must be interpreted in light of appellate caselaw.  Furthermore your claim is time barred by a statute of limitations, therefore failure to bring a lawsuit in an appropriate court in a timely fashion will cause your claim to be forever legally waved against a creditor. 

I help clients facing financial problems and guide them through the bankruptcy process.  I understand what you are going through and can help develop a plan to reduce or eliminate your debt.  Stop struggling with debt and harassing creditors.  Let me help you get a fresh start!  Baldwin County, Alabama Bankruptcy Lawyer.

CALL FOR A FREE CONSULTATION TODAY   251-928-5595