Millbrook Bankruptcy Lawyer

For most simple Chapter 7 bankruptcy filings in and around the Millbrook area, our Millbrook bankruptcy lawyers are currently charging flat fees. We will inform you, guide you and review the different types of consumer bankruptcy with you. We will determine whether a Chapter 7 or if filing a Chapter 13 would be a better option for you and your current circumstances. Our bankruptcy lawyer in Millbrook can help counsel you through the bankruptcy process. 

If you’re being plagued by immense credit card debt and do not see a way out, then call our experienced Millbrook bankruptcy lawyer for a quick phone consultation today for information on how we can help. Our bankruptcy lawyer can help you determine whether bankruptcy is a viable option for you and if so what type. We are here to answer any and all questions so give us a call today.

When our bankruptcy lawyer in Millbrook files your bankruptcy case, it is our aim to make the entire process as transparent and stress free as possible.  The goal is to obtain a discharge and get you a fresh financial start. Whether you need a bankruptcy lawyer in Troy, or anywhere else in and around the Montgomery area, we can help.

Our Millbrook and Prattville bankruptcy lawyers are very responsive and able to get to all your questions the same day you call. If there is more information or documentation required to counsel you, we can go ahead and schedule an in-person meeting. If you opt for a Chapter 7 bankruptcy after speaking with our Millbrook bankruptcy lawyer then we will set up an appointment to meet and go over your case in person.

When your appointment is set, we’ll send you a questionnaire to fill out  and bring with you. Our Millbrook bankruptcy lawyers work hard to ensure that individuals make informed decisions concerning their bankruptcy filing while also making the process as easy as possible. In order to make sure you have the information necessary to make an informed decision to file your bankruptcy case we must eventually meet in person in our Millbrook or Prattville office.

To file a Chapter 7 bankruptcy, you must consider several factors. First, do you have a large amount of equity in your property? If you own a home free and clean and it’s worth more than the exemptions allowed in Alabama, then you might not want to file for a Chapter 7 bankruptcy in Clanton, or wherever you are in Alabama. Second, you have to qualify to file a Chapter 7. To qualify your gross monthly household income for the six months prior to our Millbrook bankruptcy lawyer filing the bankruptcy must be low enough. If it is too high to qualify outright, then you can still do so by passing something called the means test.

Qualifying is fairly complicated if your income is high but our Millbrook bankruptcy lawyer can run the means test but you will have to provide us with some pay stubs and other proof of income. The third consideration in determining whether to file Chapter 7 is the type of debts you have and how delinquent you actually are. This is because if you are behind on your vehicle loan or mortgage, then depending on your situation Chapter 13 might be a better option.

Our bankruptcy attorneys in Millbrook serve clients in Autauga County, Elmore County, Wetumpka, Prattville, and the surrounding areas.  Get in touch with our bankruptcy lawyer a call today for a free consultation over the phone to see if filing for bankruptcy is the right option for you.

If you live in Millbrook or the surrounding areas of Autauga or Elmore County, then your Millbrook bankruptcy lawyer will likely be filing your bankruptcy in the United States District Court, Middle District of Alabama. Wetumpka is the county seat of Elmore County, Alabama with the courthouse located downtown. In a Chapter 7 bankruptcy, you will have a hearing called a Meeting of the Creditors. If you live in the City of Millbrook or Prattville, then your bankruptcy hearing will be in downtown Montgomery.

Creditors do not normally show up to the Meeting of the Creditors and in most cases it is just an attorney appointed to your case in the position of Trustee. This gives creditors and the trustee the chance to ask any pertinent questions in regards to your financial situation. This means that a ‘no asset’ Chapter 7 bankruptcy filed by a Millbrook bankruptcy lawyer can be a straightforward and simple process since there are no assets to liquidate. In such cases you should receive your discharge without having to appear before a judge.

Our Millbrook bankruptcy lawyers routinely practice in the Elmore County and the surrounding areas of Autauga and Coosa County. We are very familiar with the bankruptcy process in the Middle District of Alabama. For anyone in need of a Millbrook & Montgomery bankruptcy lawyer, call us today for a consultation.