Somerville Bankruptcy Lawyers & Bankruptcy Attorneys

Dealing with an overwhelming amount of debt? You’re not alone. This is a problem that plagues a high percentage of Americans. For people who live in Somerville, Alabama or any of the surrounding areas of Morgan County who may be struggling with debt and in need of relief, reach out to our Somerville bankruptcy lawyer. Our Somerville bankruptcy attorney will consult with you, in person or over the phone. Currently, our Somerville bankruptcy lawyers are charging a flat fee for most Chapter 7 bankruptcy filings in Somerville and in Morgan County as well as the surrounding areas. There is also a filing fee that the Bankruptcy Court charges when the case is filed. In addition, there is a small fee for pulling your credit report. There are two courses: a debt management and a credit counseling course that you need to complete. The courses usually takes about an hour each to do online. Call our bankruptcy attorney today to find out the total cost to file Chapter 7 bankruptcy.

For residents of Somerville or the surrounding areas in Morgan County, your bankruptcy filing will take place in the United States District Court, Northern District of Alabama, Northern Division. In a Chapter 7 bankruptcy, you will have a hearing called a Meeting of the Creditors. We will prepare you for and accompany you to this hearing. Call our local Somerville bankruptcy lawyer today to find out more.

Our Somerville bankruptcy lawyer will discuss your financial situation and help you determine if filing bankruptcy makes sense for your specific circumstances. We can consult with you over the phone or in our office. Should you be looking into bankruptcy in Morgan County, Alabama then give us a call today.

For those that have become overwhelmed with debt, The United States Bankruptcy Courts are there to provide debt relief.  Chapter 7 bankruptcy allows you to completely eliminate your unsecured debts such as medical bills and credit cards quickly – as fast as three months from the filing date. Since there are no properties securing these debts, they are called unsecured debts. While most unsecured debts can be discharged in a Chapter 7 bankruptcy, there are some specific types that are not dischargeable such as student loans and some tax debts.

Our Somerville 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. If you have questions about filing for bankruptcy in Morgan County, then give us a call today. Our Somerville bankruptcy lawyer can meet with you in our nearby Morgan County office anytime or do a quick consultation over the phone. When you are ready to file, you can set up an appointment or do everything by email and phone. Either way our bankruptcy lawyers in Somerville can get your case filed quickly and easily.

Should our local Somerville bankruptcy lawyers be filing your case in Morgan County or the surrounding areas of Huntsville, Scottsboro, or Mooresville, then it will be filed in the U.S. District Court for the Northern District of Alabama, Northern Division.  Which Bankruptcy Court your case is filed in generally depends on the county in which you reside.  This means that if you live in Morgan County then your case will be in the Northern Division.  Our Somerville bankruptcy attorneys will make sure you file in the correct jurisdiction since filing incorrectly can cause your bankruptcy to be dismissed.

Our Somerville bankruptcy lawyer will file your case and then about a month later, you will need to attend the Meeting of the Creditors.  For those that file for bankruptcy in the Northern Division, your Meeting of the Creditors will be held in either the U.S. Courthouse in Decatur or one of the satellite courthouses in Florence or Huntsville.  This meeting is for the Trustee in your case and any creditors to ask you questions under oath.  However, most of the time no creditors actually show up and the Trustee will just ask you a few simple questions.  After the Meeting of the Creditors, you should have no additional hearings in a no-asset Chapter 7 case.

You will need to complete a financial management course while your case is pending. This can usually be done online.  Additionally, you might 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 Huntsville Chamber of Commerce and the Better Business Bureau for North Alabama.  The Harris Firm regularly files bankruptcy cases in the Northern Alabama area and we are familiar with the requirements in this jurisdiction.  Our Somerville bankruptcy lawyer can answer your questions about the process either in person or over the phone.  If you would like to speak with our Somerville bankruptcy attorney, then give us a call today.