Opelika Bankruptcy Attorneys

A Chapter 7 or Chapter 13 Bankruptcy could be the solution you've been looking for.

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Local Opelika Bankruptcy Attorneys

So many people out there are struggling to make ends meet. They are constantly stressed out trying to figure out how they are going to pay their bills. Sometimes it seems like it’s a never-ending cycle that only gets worse. Fortunately, bankruptcy could be the solution you’ve been looking for. The Brock & Stout Opelika bankruptcy attorneys can answer your bankruptcy questions and help you understand the rules and they can help you get out of debt and back on track toward a brighter financial future.

Opelika is a wonderful place to live, work and raise a family, but people still have problems and, sometimes, the problems win. Medical expenses from an illness or injury, divorce, job loss, natural disasters — the list goes on and on. These are legal debts and the creditors expect them paid, just as you would if you were the creditor. Sometimes, however, they use pretty nasty means, they threaten to sue, garnish wages or seize property, calling you at all hours, at home or work. They don’t care your job could be threatened by these intrusions; they’re bullying you. When creditors won’t work with you, you may not be able to solve your financial problems alone. That’s when you call Brock & Stout at (334) 759-3328.

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STOP Lawsuits, foreclosures, Repossessions and Wage Garnishment through Bankruptcy.

Chapter 7 Bankruptcy Attorneys in Opelika

Whether you call it a straight bankruptcy, complete bankruptcy or full bankruptcy, Chapter 7 Bankruptcy was created for those who just won’t be able to repay their debts. When completed, Chapter 7 grants the individual discharge of all debts, except those specified as reaffirmed or are non-dischargeable. This discharge is an Order from the Court which prohibits any creditors listed in the discharge from ever taking further action to collect the debt. Chapter 7, in many cases can wipe out debt completely.

Chapter 13 Bankruptcy Attorneys in Opelika

Also called debt consolidation or debt reorganization, Chapter 13 Bankruptcy means you’ll repay some or all of your debt to creditors over a 3- to 5-year period. Chapter 13 focuses on reorganizing finances to reduce monthly payments to a manageable level. You’ll probably be able to keep property your creditors might otherwise seize in repayment of the debt. (Hint: They want your money, not your stuff, Chapter 13 makes that more likely.) The debts do not disappear, the Court assumes control over the repayment, overruling the contracts, such as credit card agreements, by which the debts were incurred.

Contact Opelika Bankruptcy Attorneys to Handle your Case

Mike Brock and Gary Stout opened Brock & Stout Attorneys at Law over 23 years ago with one purpose: Build a practice on integrity and putting client’s needs first. Over the years, Brock & Stout decided to focus our practice on select areas, including bankruptcy law. The firm now has offices serving the needs of the people and providing attorneys in Opelika, Alabama, and many additional towns. Why have we been so successful? Because, at Brock & Stout, we place clients’ needs first. When you’re in over your head, contact Brock & Stout, we’ll be your lifeline. Call us today (334) 759-3328.

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We have Filed Thousands of Bankruptcies for the Alabama Community.

Let’s Get Started. Contact Our Opelika Office Here for Your Free Bankruptcy Appointment.

Brock & Stout Attorneys and Staff for Bankruptcy, Social Security Disability, and Personal Injury

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