Bankruptcy Law

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Your initial consultation will be with a bar certified attorney qualified to handle your case from start to finish.

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Consumer bankruptcy Fundamentals

Consumer debt is created by debt accumulated by personal expenses such as mortgage or rent payments, loans (student loans, car loans, home equity loans), insurance (car insurance, health insurance, life insurance), daycare, tuition, and utilies to name a few.

Sooner or later, many of us will fall behind on monthly payments and begin to consider bankruptcy as an option to find relief from this burden. Consumer bankruptcy refers to a type of bankruptcy filed to reduce this type of debt obligation.

Types of Consumer Bankruptcy

We deal with several different types of bankruptcy filings each day. Each type has its advantages and disadvantages; however, most people in Alabama will file for Chapter 13. We will evaluate your situation with you to help you determine the best filing method for you.

Chapter 7

Eliminate your debt without needing to repay it. Keep your home, cars and other property while still eliminating debt.

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Chapter 13

Pay back all or a portion of your debt over a set period of time, up to five (5) years. Gives you a chance to repay or catch up debt that has become overwhelming.

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