Prattville Bankruptcy Attorneys & Bankruptcy Lawyers

We are charging a flat fee for most simple Chapter 7 bankruptcy filings in and around the Prattville area.   Let our Prattville bankruptcy lawyer go over the different types of consumer bankruptcy with you and see if you qualify for a Chapter 7 or if filing a Chapter 13 would be better for you due to property and other concerns. Our bankruptcy attorney in Millbrook and Prattville can help counsel you through the bankruptcy process.

Our office is on East Main Street close to historic downtown Prattville, Alabama. When you call, a local bankruptcy attorney can give you a free and quick phone consultation, usually the same day you call. We try to make it as easy and simple for you, and your family, as possible. Just a quick talk and we can tell you whether a Chapter 7 or Chapter 13 bankruptcy would work better for you. Let us help guide you through this difficult financial time in your life. Call today!

If you call today our Prattville bankruptcy lawyer can help you determine which bankruptcy options are best for your specific situation. We can provide you and your family with the information necessary to make an informed decision about your financial dilemma. When our bankruptcy attorney in Clanton or Prattville files your bankruptcy case we work to ensure that the process is as easy and simple as possible as we obtain your bankruptcy discharge and get a fresh financial start.

To begin the process you would just need to call and speak with the bankruptcy attorney and we can usually answer most questions over the phone the same day you call. However, if there are further questions or we need more information or documentation to counsel you better then we will need to set up an appointment in the Prattville office. If you decide to file a Chapter 7 bankruptcy after speaking with our Prattville bankruptcy lawyer then we will set up an appointment to meet and go over your case in person.

Once you set up an appointment, we will email you a questionnaire for you to fill out and bring with you. At the appointment we go over your financial situation in more depth and make the final determination concerning which type of bankruptcy is best for you. Our Prattville bankruptcy attorneys 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 the Montgomery or Prattville office.

If you are interested in filing a Chapter 7 bankruptcy then there are some general things to consider in most cases. 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. Second, you have to qualify to file a Chapter 7. To qualify your gross monthly household income for the six months prior to 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 above a certain amount, and to run the means test you will have to provide us with some pay stubs and other proof of income amounts. 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 your behind our your vehicle loan or mortgage, then depending on your situation Chapter 13 might be a better option.

Our bankruptcy attorneys in Prattville serve clients in Autauga County and the surrounding areas of Wetumpka, Elmore County, Montgomery, Tallassee, Millbrook, Clanton, and Eclectic. Give our Prattville bankruptcy lawyer a call today for a free consultation in one of our offices or over the phone to see if filing for bankruptcy is the right option for you.

If you live in Autauga County, Elmore County, Montgomery County, Chilton County, Lowndes County, or Dallas County then your bankruptcy will likely be filed in the United States District Court for the Middle District of Alabama and your Meeting of the Creditors (which is usually the only court date you will have in a Chapter 7 bankruptcy) will likely be held in the Federal Courthouse in Montgomery, Alabama.

Generally, there is not a judge at the Meeting of the Creditors, just an attorney appointed to your case in the position of Trustee. This hearing is meant to give your creditors the ability to ask questions. However, in almost all Chapter 7 cases creditors do not show up since it cost them money to hire an attorney to represent them and there is usually no need for them to be there. So called ‘no asset Chapter 7 bankruptcies’ can be a fairly simple process since there are no assets to liquidate. In such cases you should receive your discharge and never have to go before a judge.

Our Prattville bankruptcy lawyers routinely practice in the City of Prattville and the surrounding areas of Autauga and Elmore County. We are very familiar with the bankruptcy process in the Middle District of Alabama. If you live near our Prattville office and need some financial relief, then give our Autauga County and Montgomery bankruptcy lawyer a call today for a consultation.