Trussville Bankruptcy Lawyers & Bankruptcy Attorneys

Currently, we are charging flat fees to file most no asset Chapter 7 bankruptcy cases in and around Shelby and Jefferson County, Alabama.  If you are drowning in debt, then let our Trussville bankruptcy lawyers help you get financial relief and counsel you through the process of filing bankruptcy.

Once your first consultation is set up with our Trussville bankruptcy lawyer over the phone or in person in our Birmingham office, you will be sent a questionnaire to fill out. Should you opt for a phone consultation, one of our Trussville bankruptcy attorneys can normally call you back the same day and do a quick consultation over the phone.  If after this consultation it is necessary to meet in person, then we can set up a meeting in our Birmingham office.

Certain documentation will be necessary in order to file your bankruptcy, depending on your particular situation.  In most cases, we require, at a minimum, your last two years tax returns, your last six (6) months of income information (usually in the form of your pay stubs), some bank statements, and a list of your creditors. After reviewing all of these factors, we can help you determine if bankruptcy is right for you and your family.

Chapter 7 and Chapter 13 bankruptcy are the two most common bankruptcies people can file. Chapter 13 bankruptcy is a three to five year payment plan where you pay off some of your debts over time, allowing you to get caught up on certain important bills such as your mortgage or a car payment.  The most well known type of bankruptcy is Chapter 7, which is a much quicker and simpler type than Chapter 13, usually lasting about ninety (90) days.

Filing a Chapter 7 bankruptcy usually results in the elimination of much, if not all, of your unsecured debts very quickly.  However, not everyone can file a Chapter 7 bankruptcy. In order to file a Chapter 7, you must meet certain qualifications. 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.

Once your bankruptcy case is filed, whether Chapter 7 or 13, you will have to go to something called a Meeting of the Creditors or 341 Hearing.  Even though it is called a Meeting of Creditors, creditors rarely show up. One of our Trussville bankruptcy lawyers will be there with you for this meeting which mainly consists of the Trustee asking a few simple questions.  If you live in Trussville, Birmingham or the surrounding areas of Bessemer, Pelham, Gardendale, Hoover, Alabaster then this meeting will likely be at the Federal Courthouse in downtown Birmingham.  The United States Courts are divided into different divisions and districts, with Birmingham being located in the Northern District of Alabama, Southern Division.

Our Trussville bankruptcy attorneys are currently charging flat fees for attorney’s fees in 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. However, there is always a filing fee that the court charges as well.

While 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 make more sense to your individual situation.  For one, Chapter 13 bankruptcy is much less expensive up front, since most of the attorney fees get paid in the five year payment plan.  Our Trussville bankruptcy attorney can go over your situation to help you figure out which type of bankruptcy is the best option for you.

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 bankruptcy attorney is a member of the Central Alabama Better Business Bureau and the local Birmingham Bar Association, and they are usually the attorney that meets with potential clients in our Birmingham office.  If you need some financial relief then give our Trussville bankruptcy attorneys a call today for a consultation in person or over the phone.