Anniston Bankruptcy Lawyer

Are you facing never-ending worry, stress, anxiety, fear, harassment, continued collection phone calls and letters? Threat of repossession of vehicle, lawsuits, foreclosure of home, overwhelmed by payday loans, facing a garnishment of wages or bank account, possible loss of driver’s license, distrust of consolidation companies? With 30 years experience helping people with their financial problems we have seen and learned a lot. Continual stress, anxiety, inability to sleep, strain on personal relationships, and deterioration of overall mental and physical health are often results of the effect that financial problems have on people. Whether it is loss of job, reduction of hours, divorce, medical problems or simply overspending, people find themselves in a financial bind. Financial institutions (banks, mortgage companies, payday lenders, etc.) make getting money easy often giving you a temporary fix but not a long term solution. So, you find yourself in an impossible situation getting deeper and deeper in debt. If you are looking for an Anniston bankruptcy attorney you have come to the right place. Please call and set up a free consultation to discuss your options to determine the best way to solve your financial problems. We personally meet with you (not a non-attorney staff member) and make the procedure as comfortable for you as possible. We give you an information packet and worksheets to fill out (information needed to analyze your particular situation). We order a credit analysis report and give you our opinion on what we think is best for you. Often either a Chapter 7 or a Chapter 13 are your best solutions. Chapter 7

  • Takes about three months from beginning to end.
  • At filing, stops all collection calls, stops lawsuits, stops garnishments, stops foreclosure of property, and any other collection type activity. (Federal law prohibits any continuation of collection activity.)
  • Most credit card debt, hospital bills, medical bills, payday loans, and unsecured loans are eliminated.
  • If you want to keep your home, vehicle or other collateral you can often reaffirm the debt and keep the item. If you want to surrender a home, vehicle, or other property that you owe on, you can surrender the item and not be responsible for any deficiency balance.
  • Reasonable fees and costs for a Chapter 7.

Chapter 13 (commonly referred to as Debtors Court)

  • Usually a three year to a five year consolidation pay back plan.
  • Effective to keep a vehicle or home that is behind at the time of filing.
  • Consolidates loans into one payment allowing you to not have to deal with all of your loans individually.
  • Cuts interest rates on loans significantly.
  • Minimum upfront costs for a Chapter 13.

In summary, you have options to solve your financial problems. You have nothing to lose by meeting with me at no cost to you to see what is available. Sometimes a Chapter 7 or Chapter 13 is not the solution. Often one of the two is the solution. These cases are filed under Federal Law. The procedure and rules are specific as set out under the Code and Rules. Call me to setup a meeting to discuss your situation. Life is too short to live with difficult financial burdens that can be eliminated or consolidated into a manageable situation.