Irondale Bankruptcy Lawyer & Bankruptcy Attorneys

For individuals who can no longer sustain their debt and the payments required to be in good standing, we offer the option of debt relief in Irondale, Alabama through bankruptcy. Our Irondale bankruptcy lawyers are currently charging flat fees to file most Chapter 7 bankruptcy cases in and around Irondale and other areas of Jefferson County.  If your debt has outpaced your ability to make payments, then let our bankruptcy attorney in Irondale help you get financial relief and counsel you through the bankruptcy process.

The initial consultation with our Irondale bankruptcy lawyer will be over the phone. During this consultation we’ll get to know your financial situation better and collect some preliminary information. You’ll be asked to fill out a questionnaire. Our experienced Irondale bankruptcy attorneys can usually call you back the same day and briefly go over your financial situation in general. We will consult with you to help you understand your options and to help you arrive at a decision; whether or not bankruptcy is a viable option for you. If after this consultation it is necessary to meet our Irondale bankruptcy attorney in person, then we can set up a meeting in our Irondale office.

To proceed with the bankruptcy filing we’ll need certain documentation, depending on your particular situation. Typical paperwork we’ll ask for includes the last 2 years’ tax returns, your last 6 months of income proof such as pay stubs, and a list of your creditors whether in the form of bills that you have or a  written list.  Once we review your situation and determine whether bankruptcy is the right option for you, we can discuss moving forward with your filing. Usually a bankruptcy in Irondale will consist of a Chapter 7 or Chapter 13 bankruptcy.  A Chapter 13 bankruptcy means you’ll be agreeing to a 3 to 5 year payment plan that is administered through the Bankruptcy Court, where you pay your creditors off over time allowing you to get caught up on certain important bills such as your mortgage or a car payment. The most widely known kind of bankruptcy is a Chapter 7 bankruptcy – a much quicker and simpler type than a Chapter 13 that takes around 90 days.

When our Irondale bankruptcy lawyer files your Chapter 7 case, it can eliminate much, if not all, of your unsecured debts in a very short amount of time.  However, not everyone can qualify to file a Chapter 7 bankruptcy, and you must be eligible in order to do so. There are certain income-based tests that must be performed in order to determine if you qualify and your last six months of pay stubs or other proof of income for the last six months is required in order to make this determination. Whether you need a bankruptcy lawyer in Irondale or anywhere else in Jefferson County we can help your financial situation.

Once our Irondale bankruptcy lawyer files your case, whether a Chapter 7 or 13, you will have to go to something called a Meeting of the Creditors or 341 Hearing.  No creditors usually show up for this meeting and it is meant as an opportunity for the Trustee in your case to ask you a few questions under oath.  One of our Irondale bankruptcy lawyers will be there with you for this meeting, and it usually consists of the Trustee in your case asking a few simple questions.  If you need a bankruptcy attorney in Pelham or the surrounding areas of Alabaster, Trussville, Gardendale, Hoover, or anywhere else in Jefferson County, then this meeting will likely be at the Federal Courthouse in downtown Birmingham.  The United States Courts are divided into divisions and districts, with Irondale being located in the Northern District of Alabama, Southern Division. Call our Irondale bankruptcy lawyer today and let us help you through these difficult times.

Our Irondale bankruptcy lawyers are currently charging flat fees in attorney’s fees for simple, no-asset Chapter 7 bankruptcy cases throughout Alabama.  This would include most Chapter 7 filings, but there may be additional costs if there are complex legal issues such as corporate, divorce, or other such issues that would require a significant amount of additional time to handle or are likely to involve hearings. However, there is always a filing fee that the court charges as well. Additionally, there are other fees such as pulling your credit report and tax returns. Call our Irondale bankruptcy attorney for the total amount needed for us to file your Chapter 7 bankruptcy.

Although a Chapter 7 bankruptcy can be beneficial to you in potentially discharging your unsecured debts, sometimes another type of bankruptcy called a Chapter 13 would be preferable.  A Chapter 13 case is much less expensive to get filed, since most of the Irondale bankruptcy lawyer fees get paid in the five-year payment plan, so there are less cost upfront.  When you call our bankruptcy lawyers in Irondale and set up a consultation, we will go over your situation with you and help you figure out which type of bankruptcy is the best option for you. Whether you need a bankruptcy attorney in Irondale, Hoover, or anywhere else in the Jefferson County area our Irondale bankruptcy lawyer can file your case.

The Harris Firm regularly files bankruptcy cases in the Jefferson County area and are familiar with the local requirements in the U.S. Courts there.  Our Irondale bankruptcy lawyer is a member of the Central Alabama Better Business Bureau and the local Birmingham Bar Association, and is usually the attorney that meets with potential clients in our Irondale office. If you need some financial relief then give our Irondale & Trussville bankruptcy attorneys a call today for a consultation in person or over the phone.