Moody Bankruptcy Lawyers & Attorneys

If you are like millions of other Americans who have, unfortunately, found themselves overwhelmed with debt, we want you to know that there are options. Our Moody bankruptcy lawyers can help you file for a Chapter 7 or a Chapter 13 bankruptcy, depending on which filing makes the most sense for your individual situation. We can handle the entire process with you over the phone, or schedule in-person meetings if need be. Currently, our Moody bankruptcy lawyers are charging flat fees for most Chapter 7 bankruptcy filings in St. Clair County and the surrounding areas.

If you choose a Chapter 7 bankruptcy, you’ll have a hearing called a Meeting of the Creditors. In cases where your income is fairly low and there are no assets involved, a Chapter 7 bankruptcy is a viable option and can be a fairly simple process. You’ll first need to qualify for a Chapter 7 Bankruptcy filing and then make sure that all of your assets are protected. Criteria is based on your household income and family size.  If your case is that you cannot pay back your creditors then we will recommend a Chapter 7 bankruptcy. Property sometimes comes into play in these cases, but if you do not have considerable amounts of equity in your home or vehicles, then you will qualify for a Chapter 7 and keep your home and other property. Call our local Moody and Leeds bankruptcy lawyer today for more information.

To help you decide if filing for bankruptcy is the right path for you, our knowledgeable Moodybankruptcy lawyer will discuss your financial situation and work circumstances in depth. They will walk you through the different options and processes. You can opt to do your consultation over the phone or in our offices. Should you be considering filing for bankruptcy in St. Clair County, Alabama then give us a call today.

The United States Bankruptcy Courts are in place to provide debt relief through a variety of options and processes for individuals who have lost control of their debt and their payments.  A Chapter 7 bankruptcy for example allows you to entirely eliminate your unsecured debts such as credit cards, and medical bills quickly; something around 3 months from the filing date.  Because those  debts are unsecured – meaning there is no property securing them – this is a possibility.  With the exception of some, including student loans and some tax debts, most unsecured debts are able to be discharged completely.

Our Moody bankruptcy attorney can help determine whether you qualify for Chapter 7.  Sometimes a Chapter 7 bankruptcy may not be the best choice and a Chapter 13 might be preferable for your particular situation.  Chapter 13 bankruptcy is a payment plan, where you pay back some or all of your debts over a three to five year period. It is usually best if you have a property that you cannot protect from liquidation or if your household income is too large.

If our Moody bankruptcy lawyers are filing your case in St. Clair County or the surrounding areas of Gadsden, Anniston, or Oneonta, then it will be filed in the U.S. District Court for the Northern District of Alabama, Eastern Division.  Which Bankruptcy Court your case is filed in generally depends on the county in which you reside. This means if you reside in St. Clair County then your case will be in the Northern Division.

Our Moody bankruptcy attorneys will make sure you are filed in the correct jurisdiction to avoid the bankruptcy being filed in the wrong jurisdiction and being dismissed as a result. Once your bankruptcy is filed by your Moody bankruptcy attorney, the next step is the Meeting of the Creditors approximately a month later. This is an opportunity for the Trustee in your case and any creditors (although creditors rarely show up) to ask you questions under oath – there is no judge involved.  Following the Meeting of the Creditors, you should have no additional hearings in a no asset Chapter 7 case. Call our Gadsden bankruptcy attorneys today for a quick phone consult.

There is a required financial management course you are expected to complete as your case is pending. However you can usually take the course online.  You may have to sign some documents to be filed with the Court during your Chapter 7 case such as a reaffirmation agreement, but these will not typically require you to go to Court and can sometimes be approved without a hearing.

Our attorney is a proud member of the Better Business Bureau.  The Harris Firm regularly files bankruptcy cases in the Central and Eastern Alabama area and we are familiar with the requirements in your jurisdiction.  Our local bankruptcy lawyer can answer your questions about the process either in person or over the phone.  If you would like to speak with our local bankruptcy attorney, then give our Moody bankruptcy attorney a call today.