Bankruptcy Lawyers in Anniston
If you call one of our Anniston bankruptcy lawyers today we will set up an appointment for a free consultation in our Anniston office. Our bankruptcy attorneys in Anniston will email or mail you a bankruptcy questionnaire for you to fill out and bring with you to our appointment. At the appointment, we will go over your financial situation with you to determine your options. Our bankruptcy lawyers serve clients in Anniston and the surrounding areas of Oxford, Gadsden, Heflin, Oneonta, Ashville, Talladega, and Lincoln. For directions to our Anniston office, go to our Anniston Office page for a map and directions.
You should consider obtaining one of our Anniston bankruptcy lawyers if:
1) You are behind on payments on your house and/or vehicle and are threatened with foreclosure or repossession;
2) You are having to use credit cards to pay for necessities such as groceries and you cannot afford to pay your credit card or other bills;
3) You have more than $10,000 in credit card debt;
4) You are being sued by creditors;
5) You are getting daily calls and letters from collectors and you see no way of getting out from under the debt, or;
6) You have large outstanding medical bills that your insurance did not pay and you have no way of ever paying for them.
If you need some debt relief then our Anniston bankruptcy lawyers may be able to help you. By filing Chapter 7 Bankruptcy you are able to wipe out certain debts and get a fresh start and a Chapter 13 bankruptcy can also provide protection from creditors. Even in what would seem like a simple Chapter 7 bankruptcy, there may be potential issues that could arise once your case is filed. This is why it is important to obtain a local bankruptcy attorney in Anniston to file your case for you, since they will be familiar with the process and know all of the local rules of the particular bankruptcy court you are filing in.
For example, in a Chapter 7 bankruptcy with no assets, meaning that you have no assets that are unprotected, you still have to qualify to file and there may be things that you did in the previous year, such as transferring property in the last year or two, that could interest your Trustee and have them requesting further information and potentially causing issues in your case. For more information on Chapter 7 and protecting your assets, you can go to our Chapter 7 bankruptcy page.
In order to file Chapter 7, you have to file a petition and schedules explaining your financial situation. You must list all of your debts when filing, even if it is a debt that you know is not going to be discharged or one that you want to “re-affirm” or keep. There is a great deal of other information that must be listed on these schedules including your property and assets, income information, and other such personal and financial information. Once your Anniston bankruptcy lawyer has filed this bankruptcy petition, something called an Automatic Stay goes into effect immediately, which forbids creditors from attempting to collect on the debt. If the creditor contacts you to collect on debt (and they have been notified of your filing bankruptcy) they can be found in contempt of this Automatic Stay Order.
If you reside in Calhoun County, Clay County, Cleburne County, or Talladega County then you will be filing in the U.S. District Court Northern District of Alabama, Eastern Division and your 341 Hearing will most likely be held in the Federal Courthouse in Anniston, AL. Usually, no creditors actually show up for this meeting and the Trustee in your case will ask you a few questions about your financial situation. If there are no complications or objections then you should receive a discharge and never have to go before a Judge. For more information on the different courts, go to our Bankruptcy Courts page.
Our Anniston bankruptcy lawyers handle cases in Anniston and the surrounding areas of Gadsden, Talladega, Sylacauga, Heflin, and Oxford. When you call us you will speak to a bankruptcy lawyer in Anniston who will be able to provide a free consultation over the phone or in person. We are currently charging attorney fees in the amount of $850 for simple Chapter 7 cases, there is a filing fee of $306 for Chapter 7 filings, there is a fee for pulling your credit report of $30 for each credit report pulled, and you have to take a pre-filing credit counseling course online (usually costs around $30), and a post-filing debt management counseling course (usually costs around $10) and both can typically be done over the phone or on the internet. They must be done by an approved agency, so you should ask your attorney for a list of such approved companies to choose from.
If you need some financial relief then give our Anniston bankruptcy attorneys a call today.