Bankruptcy Attorneys – Chapter 7 and Chapter 13

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Alabama Bankruptcy Attorneys

Let Our Alabama Bankruptcy Attorneys Help You Get Out of Debt

The Alabama bankruptcy lawyers at Brock & Stout Attorneys at Law are ready to help clients like you get your finances under control. The best part is that we always offer clients a free consultation. Come in and discuss your options face to face with one of our experienced bankruptcy attorneys.

Why Bankruptcy

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.

How We Help With Your Bankruptcy

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 below and we’ll get to work for you. Here is a list of helpful definitions of common bankruptcy terms.

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Types of Bankruptcy

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 Alabama 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.

Chapter 13

Chapter 13 Bankruptcy is often referred to as a “Debt Consolidation” or “reorganization.” A Debt Consolidation allows you to pay some or all of your debt to creditors over a period of three to five years. Debt Consolidation will allow you to reorganize your finances and reduce your monthly payments. It can help you keep property that you might otherwise lose to your creditors.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is often referred to as a “straight,” “complete” or “full” bankruptcy. Chapter 7 is generally the best option for persons who are unable to pay their debts. Following the filing of a Chapter 7, the individual is granted a Discharge of all debts, except those that are reaffirmed or are nondischargeable. A Discharge is an Order from the Court prohibiting the creditors whose debts are Discharged from taking any further action to collect the debt.

Should You Consider Bankruptcy? Ask Our Alabama Bankruptcy Attorneys

The experienced bankruptcy attorneys at Brock & Stout Attorneys at Law are professionals that handle bankruptcy every day. They guide Alabama clients like you through the many challenges of filing for bankruptcy. They can provide the helping hand you’ve been looking for.

Like most people, you’ve probably spent a lifetime doing the right thing. It can be a struggle to pay what you owe or perhaps you’re unable to provide for the medical needs of yourself or your loved ones. You may have become overwhelmed. You could be besieged by creditors threatening to sue, garnish your wages or seize your property. They call you at all hours, both at home and at work. You may feel your job is threatened by those intrusions. It’s gotten so bad, you don’t want to answer your phone. You’ve likely stopped opening your mail. This is the time to acknowledge that you and your finances need help from a professional.

Bankruptcy may be the solution, and you need to talk to a seasoned bankruptcy attorney about your options. Our staff and attorneys are skilled in the ins and outs of bankruptcy law and procedures. We understand that you’ll want to speak with us discreetly and without charge before you make your decision. You should feel comfortable with the law office you choose to represent you. Brock & Stout Attorneys at Law understand what you are going through and the fears and uncertainties you are experiencing. You can feel confident that our lawyers care about how bankruptcy affects you, your career, and your family and your eventual financial stability.

The good news is that Brock & Stout Alabama bankruptcy attorneys may be able to help you keep your home, automobile, and other possessions. We may also be able to prevent your wages from being garnished.

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