Alabama's Largest Bankruptcy Filer
Chapter 7 and Chapter 13 from 11 Alabama locations and Columbus, Georgia.
Credit cards, medical bills, a lawsuit, a garnishment, or the threat of losing a car or a home — people come to Brock & Stout when the numbers no longer work. Bankruptcy can stop lawsuits, foreclosures, repossessions, and wage garnishments.
Chapter 7 and Chapter 13 work differently, and neither is right for everyone. Our goal is to help you understand your options so you can decide whether bankruptcy is the right step for your financial situation.
Brock & Stout is Alabama's Largest Bankruptcy Filer, measured by consumer debtor filings in Alabama. Alabama clients can meet at offices across the state. Georgia consumer bankruptcy is handled through Columbus.
Chapter 7 and Chapter 13 from offices across the state. Read Alabama bankruptcy law.
Chapter 7 and Chapter 13 from our Columbus office. Read Georgia bankruptcy law.
The purpose of bankruptcy is to give you a fresh start on your road to financial recovery. Bankruptcy provides you with protection from creditor harassment and relief from financial pressures. By filing for bankruptcy you are taking responsibility and making a legitimate step in getting your financial life back in order. Bankruptcy can be intimidating but it is a legal and respectable way to regain your financial dignity instead of losing it.
There are many rules and regulations to follow when filing for bankruptcy. Brock & Stout bankruptcy attorneys can help you better understand the rules that apply to you. We understand bankruptcy law and can help you understand it, too. Our lawyers, paralegals and administrative staff can answer any questions about bankruptcy you may have.
We can also help protect you against creditor harassment and ensure that you’re not being abused. We can give you guidance and helpful tips on staying ahead financially after you are discharged from bankruptcy. Let our experienced attorneys guide you through the entire bankruptcy process. Call us at 1-800-884-9600 or fill out the contact form and we'll get to work for you. Here is a list of helpful definitions of common bankruptcy terms.
We can assist you by helping address the debts that currently overwhelm your daily life. You may face foreclosure, vehicle repossession, wage garnishment, litigation, or you might simply need a way out of unmanageable unsecured debt. Results depend on the facts and current law. Our bankruptcy attorneys can explain options and, when you hire us, file and represent you through the case.
You do not have to figure out bankruptcy alone. We look at the debts, income and property that actually matter, explain Chapter 7 and Chapter 13 in plain language, and help you decide whether filing makes sense.
30
Years Serving Clients
40,000+
Bankruptcies Filed
13
Offices
8,000+
Five-Star Reviews
The bankruptcy-case total is a firmwide historical figure, not cases filed in one office. The review count is firmwide and is not limited to bankruptcy matters. Measured by consumer debtor filings in the State of Alabama. This is not a claim that Brock & Stout is better than other consumer bankruptcy law firms. Past filings do not guarantee a result in any case.
We file more consumer bankruptcy cases in Alabama than any other firm. That volume means our team has worked through the kinds of debt, income, property, and creditor problems Alabama families actually face, and can explain Chapter 7 and Chapter 13 before you decide.
Brock & Stout was founded in 1996, and consumer bankruptcy has been one of the firm’s core practice areas for decades.
Our firm has filed more than 40,000 bankruptcy cases. That experience means our team has worked with people facing many different combinations of debt, income, property and creditor problems. Volume does not guarantee a particular result.
With offices throughout Alabama and bankruptcy representation through our Columbus, Georgia office, clients can meet with our team close to home.
Bankruptcy is an important decision. We want you to understand the difference between Chapter 7 and Chapter 13, what may happen to your debts and property, and what questions need to be answered before you file.
Guides to debts, property, garnishment, foreclosure, repossession, and Alabama and Georgia law. If you already know which chapter you need, start with the Chapter 7 or Chapter 13 pages. Free screening tools for the Chapter 7 income median, Chapter 7 vs Chapter 13, and Alabama and Georgia wage garnishment live on the bankruptcy tools pages.
Unsecured debts bankruptcy may discharge.
Arrears, the stay, and Chapter 13 plans.
Loans, surrender, redemption, and deficiencies.
Paycheck and bank-account collection.
Suits, default judgments, and liens.
When income taxes may be dischargeable.
Homestead, vehicles, accounts, and exemptions.
Liquidation chapter and discharge timeline.
Repayment plans, arrears, and cramdown.
Alabama and Georgia exemptions, courts, and procedure.
Compare household income to the current Census median used in the means test.
See which differences may matter for a house, car, or income above the median.
Free bankruptcy and disability calculators.
Chapter 7 may discharge qualifying unsecured debt without a repayment plan if you pass the means test. What you keep depends on Alabama or Georgia exemptions. Timing varies. Some debts and liens survive.
Chapter 13 is a three-to-five-year plan. It is often used to catch up a mortgage or car while treating unsecured debt under confirmation rules.
This page is general educational information about bankruptcy as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee results. Outcomes depend on individual facts and current federal and state law. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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You are likely most familiar with Chapter 13 and Chapter 7 bankruptcy. These two types of bankruptcy are available for qualified individuals. It’s important to determine which of these is best suited for your financial circumstances. The bankruptcy attorneys at Brock & Stout can help you understand the difference between the two so you can determine the appropriate course of action for your financial situation.
Our clients say it best. We are proud to have over 8,000 5 star ratings from our clients!
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Read More: Personal vs. Business Bankruptcy: What Is the Difference?Brock & Stout can help you with your Bankruptcy, Social Security Disability and Personal Injury claim needs today. Feel free to call our toll free number, contact us online or stop by one of our many office locations. We hope you will give us the opportunity and the privilege to help you and your family.
