Trussville Bankruptcy Lawyers – Bankruptcy Attorney
Call us Today! (205) 201-1789
Currently, we are charging $850 to file most Chapter 7 bankruptcy cases in and around Jefferson County. If you are drowning in debt, then let our Trussville bankruptcy lawyers help you get financial relief and counsel you through the bankruptcy process.
Filing for Bankruptcy in Trussville
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 and bring with you to the appointment. Should you opt for a phone consultation, one of our Trussville bankruptcy attorneys can normally call you back the same day and briefly go over your financial situation in general. 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 needed to file your bankruptcy, depending on your particular situation. In most cases, we’ll require your last two years tax returns, your last six (6) months of income information (usually in the form of your pay stubs), and a list of your creditors; it could be in the form of bills that you have or a written out list. After reviewing all these factors, we’ll help you determine if bankruptcy is right for you and we’ll discuss moving forward with your filing.
A Chapter 7 or Chapter 13 bankruptcy are the most common to file; Chapter 13 bankruptcy being a three to five year payment plan, administered through the Bankruptcy Court, where you pay your creditors off 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, however, is a Chapter 7 bankruptcy -a much quicker and simpler type than a Chapter 13 and usually last about 90 days. Filing a Chapter 7 bankruptcy usually results in the elimination of much, if not all, of your unsecured debts in a very short amount of time. However, not everyone can qualify to file a Chapter 7, and you must be eligible in order to do so. 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 a Chapter 7 or 13, you will have to go to something called a Meeting of the Creditors or 341 Hearing. Even though its called a meeting of creditors, creditors rarely show up – it is more so meant as an opportunity for the Trustee in your case to ask you a few questions under oath. One of our Trussville bankruptcy lawyers will be there with you for this meeting which 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 (or anywhere else in Shelby or Jefferson County) then this meeting will likely be at the Federal Courthouse in downtown Birmingham. The United States Courts are divided into divisions and districts, with Birmingham being located in the Northern District of Alabama, Southern Division.
How Much Does Filing for Bankruptcy in the Trussville Area Cost?
Our Trussville bankruptcy lawyers are currently charging $850 in attorney’s fees for 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 or are likely to involve hearings. However, there is always a filing fee that the court charges as well, which is currently $335 in Chapter 7 bankruptcies. Additionally, there is a small fee for pulling your credit report (usually around $30), and there are two courses (a debt management and a credit counseling course) that you must complete and pay their fees, which combined usually total around $45 (each course usually takes about an hour to do online). So, to file a Chapter 7 bankruptcy with our law firm, the combined costs, including attorney fees, filing fees, and all additional fees, will usually be approximately $1260 total. If you live in Trussville or the surrounding areas of Jefferson County, then you will likely be filing your bankruptcy in the United States District Court, Northern District of Alabama, Southern Division. In a Chapter 7 bankruptcy, you will have a hearing called a Meeting of the Creditors. If you live in the City of Trussville or anywhere else in Jefferson County, then your bankruptcy hearing will be in downtown Birmingham.
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 case is much less expensive to get filed, since most of the attorney fees get paid in the five year payment plan, so there are less cost up front. Our Trussville bankruptcy lawyers will 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. Attorney Steven Harris is a member of the Central Alabama Better Business Bureau and the local Birmingham Bar Association, and he is 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.