If debt has become difficult to manage, our Foley bankruptcy team can help you understand whether Chapter 7 or Chapter 13 may offer relief.
Our office at 316 S. McKenzie Street, Suite 175 gives Baldwin County clients convenient local access to a bankruptcy practice Brock & Stout has handled since 1996.
30 years serving clients · 47,000+ bankruptcy cases filed firmwide
Our Foley office serves clients throughout Baldwin County, including Foley, Gulf Shores, Orange Beach, and surrounding communities.
Clients can meet locally with our bankruptcy team to discuss Chapter 7, Chapter 13, and the financial problems that led them to consider bankruptcy.
Our Foley office gives Baldwin County clients convenient local access to Brock & Stout’s statewide bankruptcy practice.
McKenzie
Foley Office
30
Years Serving Clients
47,000+
Bankruptcies Filed Firmwide
13
Offices
40,000+ bankruptcy cases filed is a historical firmwide total. If displayed, the 8,000+ five-star review count is also a firmwide total across practice areas. Past results do not guarantee a similar outcome.
Based on consumer debtor filing data in Alabama, Brock & Stout files more consumer bankruptcy cases in the state than any other firm. That experience means our team has worked with a wide range of debt, income, property, and creditor issues.
Our Foley office is located at 316 S. McKenzie Street, Suite 175. Please call ahead to schedule an appointment. Phone and video consultations are also available.
Baldwin County clients can meet with our bankruptcy team in Foley while benefiting from the resources and experience of Brock & Stout’s firmwide practice.
Brock & Stout has filed more than 40,000 bankruptcy cases firmwide, giving our team experience with a wide range of debt, income, property, and creditor issues.
We’ll explain how Chapter 7 and Chapter 13 work, what each option may accomplish, and the important limitations you should understand before deciding whether to file.
Our Foley bankruptcy team helps people facing credit-card and medical debt, wage garnishment, lawsuits, overdue house or vehicle payments, and other financial problems.
Credit cards, medical bills, and personal loans are common reasons Baldwin County clients call. Many qualifying unsecured debts may be dischargeable. Some debts are not.
Chapter 13 may sometimes help eligible homeowners address mortgage arrears over time while ongoing payments continue. We do not promise that a home will be kept.
Bankruptcy can affect repossession activity. Chapter 13 may help with missed vehicle payments in some situations. An already taken vehicle is a narrower, timing-sensitive issue.
The automatic stay generally pauses many wage garnishments after a case is filed, while the stay remains in effect. Exceptions and prior cases can change that.
Most collection lawsuits pause while the automatic stay remains effective. Some proceedings are excepted. A judgment already entered still has to be classified.
You do not need a Mobile court date to justify a Foley consultation. If the household math no longer works, that is enough to ask what the chapters may change.
Chapter 7 can discharge many types of qualifying unsecured debt, including certain credit-card balances, medical bills, personal loans, and judgments. Eligibility rules apply, Alabama exemptions affect how property is treated, and some debts cannot be discharged.
Chapter 13 is a court-supervised repayment process of generally three to five years. Payments go to a Chapter 13 trustee. It is not a consumer consolidation product, and unsecured creditors are not promised payment in full.
Baldwin County clients often ask about it because of a house or a car, or because Chapter 7 would not fit the income or equity picture.
Foley and Mobile use the same Chapter 7 and Chapter 13 rules. The comparison below is the high-level difference. Your file still has to be run through the actual numbers.
| Topic | Chapter 7 | Chapter 13 |
|---|---|---|
| Basic approach | Discharge of qualifying debts through a Chapter 7 case | Court-supervised repayment process |
| Typical duration | Often a matter of months, although circumstances vary | Generally 3–5 years |
| Chapter 13 trustee plan payment | Generally no Chapter 13-style repayment plan | Plan payments to a Chapter 13 trustee |
| Dealing with arrears | Generally does not provide a multi-year catch-up plan | May help address eligible mortgage or vehicle arrears |
| Property considerations | Alabama exemptions and liens require a case-specific analysis | Often discussed when keeping certain property is an important goal |
| Eligibility | Chapter 7 rules, including applicable means-test considerations | Chapter 13 eligibility and plan requirements apply |
There is no universally better chapter. The right option depends on the person’s debts, income, property, and goals.
You do not need to know whether Chapter 7 or Chapter 13 is right for you before you call. We’ll start with what is causing the financial pressure, review your debts, income, property, and goals, and explain the options that may be available. The consultation does not obligate you to file.
Tell us about the debts or collection problems that are causing concern, including any garnishment, lawsuit, foreclosure, repossession, or missed payments.
We’ll look at your income, debts, property, and other information that may affect your bankruptcy options.
We’ll explain how Chapter 7 and Chapter 13 may apply to your situation, including important benefits and limitations.
If you decide to move forward with Brock & Stout, we’ll explain the next documents and steps. If you need time to consider your options, that decision remains yours.
Bankruptcy can stop lawsuits, foreclosures, repossessions, and wage garnishments. Whether and how those protections apply in your situation can depend on timing, prior bankruptcy filings, and other facts. Our bankruptcy team can review what is happening now and explain what filing may change.
Federal law governs the case. Alabama exemptions still matter because Alabama opted out of the ordinary federal bankruptcy exemption list.
Baldwin County is in the Southern District of Alabama. The clerk’s office and main courthouse are in Mobile. Venue follows the debtor’s residence or domicile. Meeting in Foley is a convenience, not a different court. See Alabama bankruptcy courts.
The directory listing is limited to attorneys who currently practice bankruptcy and serve the Foley office. An attorney may represent Baldwin County clients without sitting in Suite 175 full time.
Please call ahead to schedule an appointment. Bankruptcy consultations are available in person, by phone, or by video.
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Read More: Flagstone Foods Announces 98 Layoffs in DothanThese guides cover the chapters, the stay, exemptions, and Southern District courts. Use Foley when you want those rules applied to a Baldwin County household.
Discharge and eligibility.
Plans, trustees, and arrears.
Southern District, clerk in Mobile.
What filing generally pauses.
Alabama property analysis.
What may be discharged.
State-specific issues.
The full library.
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.
Brock & Stout has received more than 8,000 five-star reviews across the firm. The comments below are from bankruptcy clients who have shared their experience working with our team.
Brock & Stout made the difficulty of bankruptcy filing easy. Reilly guided me through the entire process and answered any questions quickly and thoroughly. I once emailed on a Saturday morning (expecting a reply on Monday) and she emailed right back. They are a wonderful team dedicated to helping their clients. I would recommend them to anyone needing financial help during these trying times.
Brandi Waters
6/13/2026
I absolutely recommend them. Riley at the Foley office went above and beyond to help me change from a recommended chapter 13 to a chapter 7, she answered every question professionally, even the ones I thought were " dumb questions" she made me feel important and valued. The attorney i spoke with was also very caring and helpful and thorough.
Anonymous
2/26/2026
Call the McKenzie Street number or send the form. You do not have to drive to downtown Mobile to ask whether Chapter 7 or Chapter 13 may help. Tell us what is happening. We will explain the options. You decide whether to file.
The consultation does not obligate you to move forward.
Let Our Family Help Your Family.
