Bankruptcy Lawyer

Bankruptcy in North Alabama

Bankruptcy Law Firm | Crumbley-Blackwell & Associates, P.C.

Accumulated debt from car loans, credit cards, and mortgages can become incredibly overwhelming and soon you may find yourself falling farther and farther behind on your payments. In such a scenario, what can you do to gain relief?

Initiating bankruptcy proceedings is one option that can help you get a fresh start on life. If you are looking for a reliable bankruptcy lawyer to assess your financial options, contact us today. We have decades of combined legal experience and can inform you of the best route to proceed, whether through bankruptcy or another alternative such as debt litigation. Let our Huntsville bankruptcy attorneys help you through this financially trying time with efficiency and compassion.

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Are there advantages to filing bankruptcy?

Bankruptcy is a legal tool through which a debtor can eliminate their debts or create repayment plans. Alabama bankruptcy laws were enacted to give debtors fresh financial starts. Filing for bankruptcy should be the last option and only resorted to when all other options have been discarded. It is a major decision and can leave a lasting effect on your finances. Before you file for bankruptcy, it is a good idea to seek experienced advice regarding your situation.

If you decide to file bankruptcy; you can benefit from several protections, such as the following:

  • Eligible debts get fully discharged. The key benefit of filing bankruptcy is that most unsecured debts become discharged and you will be left with no personal obligation.
  • Unsecured creditors have no claim over your property or income. Often, the only way to protect a debtor's property from unsecured creditors is to file for bankruptcy. It can also protect your income or wages against garnishment, including Social Security benefits.
  • Automatic stay protection. You gain the benefit of an automatic stay order against attempts to collect by creditors. Other creditor actions such as repossessions, utility shutoffs, attachments, evictions, and foreclosures are also stayed.

There are several other benefits to filing bankruptcy, such as protection against discriminatory actions by private employers. You will also receive protection against government bodies, protection against incarceration, and more.

Have questions about bankruptcy in Alabama? Visit our Bankruptcy FAQ

Alabama Bankruptcy Process

If you are considering filing for bankruptcy in Huntsville, Decatur, Madison, Athens or a surrounding area, be aware the bankruptcy process can be quite complicated and demanding. Here is a basic overview of what you can expect:

  • Meeting of the creditors: Your creditors will be given the opportunity to review your case and ask questions.
  • Case is approved: If there are no issues with your case, then the court will approve your petition

At this point, the next steps will again depend on the chapter that you filed. For Chapter 7, your debts will be discharged and you can move forward. For Chapter 13, you will need to complete the payment plan, which can last anywhere from 3-5 years. Once completed, your debts will be discharged. There are also other chapters of bankruptcy available as options for specific cases.

Recent Bankruptcy Case Results

Bankruptcy Attorneys in North Alabama

Schedule a Consultation with a Bankruptcy Lawyer in Huntsville

Wondering how you should proceed? Our experienced bankruptcy attorneys at Crumbley-Blackwell & Associates, P.C. can sit down with you and help you review your financial situation. We can inform you if you have any other options apart from filing for bankruptcy.

If there is no other option and you can gain protection from bankruptcy laws, we can quickly prepare a case for you. To learn more about bankruptcy filing, to file one in North Alabama, or for more information - contact a bankruptcy attorney from our team today to schedule a phone or office consultation.

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. While this firm maintains joint responsibility, most personal injury cases are referred to other attorneys for principle responsibility. Prior success is not an indication of future success. Every case is different and regardless of what friends, family or other individuals may say about a case, each case must be evaluated on its own facts and circumstances as they apply to the law. The likelihood of success in any given case depends on the facts, the jurisdiction, the venue, the witnesses, the parties and the testimony, among other factors. Furthermore, no representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

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