Bankruptcy Lawyers for Chapter 13

Chapter 13 Bankruptcy in Alabama

Bankruptcy Attorneys Huntsville | Crumbley-Blackwell & Associates, P.C.

Our law firm has been helping clients file for bankruptcy and restructure their financial situations for decades. The bankruptcy lawyers on our team have handled cases in Huntsville, Athens, Decatur, Madison, and surrounding areas. If you are considering bankruptcy protection, we can help you determine if you qualify and could benefit from filing an Alabama bankruptcy.

Exemptions for Chapter 13

Most people are eligible for Chapter 13 bankruptcy; however, there are exceptions:

  • Irregular income or low income (file for Chapter 7 instead)
  • High debt burden
  • No income tax returns for any of the past four years

To show your income, you may use wages, pension payments, and any other type of government benefits including spousal or child support, royalties or rent, and commission. Speak with our Huntsville bankruptcy attorneys to find out if you are eligible for Chapter 13 bankruptcy.

Repayment Plan for Chapter 13 Bankruptcy

Developing your Chapter 13 plan can be quite complicated. There are certain debts that must be paid back first, while others can be repaid partially. To create an effective plan, discuss your options with an experienced bankruptcy attorney at our firm. We can educate you about the process and come up with a plan that can maximize your assets and help you get out of debt.

The first and most important debts to be paid off are priority debts. These include employee wages, taxes, child support, and alimony. Next, secured debts need to be paid; these are any debts that have been secured by your property such as a home or car. Lastly, unsecured debts are paid with whatever disposable income is left.

Schedule a Consultation with a Bankruptcy Attorney

Are wondering if you will need an attorney to file for bankruptcy? Discuss your case with our team of bankruptcy attorneys today - we can help analyze your situation and discuss your options.

To schedule a phone or office consultation with a bankruptcy attorney from our team - call (256) 539-4464 or complete an online case evaluation form. We are more than happy to discuss your situation and recommend an effective plan of action. Don't wait until it is too late, obtain the legal services of an experienced lawyer today.

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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. Bankruptcy Disclaimer: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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