Anniston Bankruptcy Attorneys & Lawyers

The Harris Firm is currently charging a flat fee for most simple Chapter 7 bankruptcy filings in and around the Calhoun County area.  Let our Anniston bankruptcy lawyers get you debt relief through the Bankruptcy Court. Give us a call and let us help you through the bankruptcy process.

If you call us today, one of our Anniston bankruptcy lawyers & attorneys can answer any questions you may have about filing for bankruptcy relief.  Our attorneys can provide you with as much information about the bankruptcy process as possible so that you, and your family, can make an informed decision concerning your financial situation.  If you decide that filing for debt relief is the best option, then our bankruptcy lawyer in Talladega and Anniston will work to make the process as simple as possible, explaining everything as we pursue your discharge together.

To get the process started, you can set up an appointment in our Anniston office. Once an appointment has been made, then our Anniston bankruptcy lawyer will email or mail a questionnaire for you to fill out and bring with you. At the appointment we will go over your financial situation and discuss your financial situation further.

Our Anniston bankruptcy lawyers strive to ensure that our clients make informed decisions concerning filing for bankruptcy protection, while also keeping the process as simple as possible for them.  As your bankruptcy attorney in Anniston, we want to make sure you understand every aspect of a potential bankruptcy filing prior to going forward, and in order to do that we need to have a consultation.

In order to file a Chapter 7 bankruptcy, there are certain documents you will need to provide us with, and certain forms that you will need to sign prior to filing.  Some common documents you will need are your last six months of pay stubs, last two years tax returns, you will need to fill out a bankruptcy questionnaire, and we will eventually need a copy of your driver’s license.  Some of the common forms you will need to sign are the contract to retain our services, legal disclosures, and a few standard forms that get filed with the Bankruptcy Court.

We can go over all of this and inform you of the entire process at our consultation.  Our bankruptcy attorneys in Oxford and Anniston serve clients throughout Calhoun County and the surrounding areas of Gadsden, Heflin, Oneonta, Ashville, Talladega, Sylacauga, Pell City, and Lincoln.  Give our Anniston bankruptcy lawyers a call today for a free consultation in our office or over the phone.

You should contact one of our Anniston bankruptcy lawyers if:

1) You are behind on your mortgage and/or vehicle payment 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 local bankruptcy lawyer files your case. This is why it is important to obtain a local bankruptcy attorney to file your case, since they will be familiar with the process and know all of the local rules of the particular bankruptcy court you are filing in.

If you reside in Calhoun County, Clay County, Cleburne County, or Talladega County then you will most likely be filing your bankruptcy in the U.S. District Court Northern District of Alabama, Eastern Division. If you file in these counties then your Meeting of the Creditors (also called a 341 Hearing) will be held in the Federal Courthouse in downtown Anniston.

Typically, no creditors actually show up for this meeting and the Trustee in your case will just 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 in most Chapter 7 bankruptcy cases.

We are a member of the local Calhoun County Chamber of Commerce and the North and Central Alabama Better Business Bureau, so feel free to check us out there for reviews from former clients.  Our bankruptcy lawyers routinely practice in the Calhoun County and Etowah County areas, and are familiar with the bankruptcy process in your area. If you live in Eastern Alabama and need some financial relief, then give our Oxford and Anniston bankruptcy attorneys a call today for a consultation.