Do I need a bankruptcy attorney?
Your Bankruptcy Lawyer
Whether you're getting phone calls or letters threatening to "take legal action", sue you to collect the debt that you already can't pay, or to have your wages garnished, filing for relief under Federal Bankruptcy Law could stop ALL of the threatening phone calls and letters IMMEDIATELY! We are a Dothan, AL law firm and we can help! Our attorney can put a stop the collections right away.
Relief From Debt
Bankruptcy offers relief from crushing debt, and a chance to get out from under crushing debt and and to make a fresh start. It is a legal means of having much of your debt erased or restructured. Once you file for bankruptcy the Automatic Stay goes into effect. The Automatic Stay will stop all debt collection and actions against you including foreclosure, repossession, and wage garnishments. While you are not required to hire a lawyer to file for bankruptcy, there are many reasons why you would want to hire one whether you file for Chapter 7 or Chapter 13 Bankruptcy. If you feel that you may be a candidate for bankruptcy, you will need a lawyer that will never judge you, truly cares about your individual situation, and will take the time to listen and advise you on your options.
If you have a bankruptcy attorney working for you, creditors and debt collectors may not contact you for any debt collection purposes, including for credit cards or payday loans, after you file. That's right, they must deal directly with the law firm. Your attorney will be your representative to your creditors and to the United States Bankruptcy Court.
How Do Bankruptcy Attorneys Help?
Your attorney will submit all of your filings, debt schedules, and documents to the Bankruptcy Court. Our Dothan, AL attorney can answer any question you may have on the bankruptcy process. Since no two cases are the same, you need an attorney who will listen and understand the specifics of your situation. Contact us today for a free consultation!
Should I File Chapter 7 or Chapter 13 Bankruptcy?
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy usually allows for the discharge of most secured debt, allowing your to make a fresh start. Chapter 13 Bankruptcy involves a debt repayment plan overseen by the Bankruptcy Court.
Chapter 13 Bankruptcy
The repayment plan can include your mortgage, even if you are in foreclosure. In some cases a bankruptcy filing can be converted from a Chapter 13 filing to a Chapter 7 filing or the other way around. Our bankruptcy lawyer can help you figure out which would be the best option for you.
Details, Deadlines, and Dates: We Can Help
Bankruptcy is a highly detailed process with deadlines from beginning to end and there is a considerable amount of paperwork involved. You need to report all of your assets, debts, and income in detail. Having an attorney experienced in bankruptcy law will make sure that there isn't any information that you might be missing. If missing information surfaces during the course of the proceedings, even if accidentally left out, it could be detrimental to your case or even result in your case being dismissed. Your lawyer will keep you up to date with all of the important dates and deadlines in your case.
Whether you file Chapter 7 or Chapter 13, you will have to attend a 341 Meeting
The 341 Meeting is also known as the Meeting of the Creditors. While this meeting is not a trial, it is a legal proceeding and you will have to swear under oath that the information you provide and that the questions you answer are truthful and accurate to the best of your knowledge. A bankruptcy lawyer will help you prepare for this meeting and will be there with you as the trustee questions you. If you are filing for Chapter 13, after the Meeting of the Creditors a Confirmation Hearing will take place in which a judge will approve or reject your debt repayment plan. It would be in your best interest to be represented by an experienced attorney for this hearing.
The Walker Law Firm - Bankruptcy Law
If you are ignoring that growing stack of bills, avoiding phone calls, and the sight or sound of a tow-truck makes you nervous, it may be time to contact a qualified bankruptcy lawyer. With over 10 years of experience The Walker Law Firm can help you navigate the process through every step, from your initial filing to the final discharge.
There is too much at stake when it comes to filing for bankruptcy.
Having the right law firm work for you can make all the difference in the outcome of your case. Don't let a missed deadline or a forgotten detail cause you to lose out on your chance for a fresh start. Contact us for a FREE consultation to see if bankruptcy can help you get the relief you need. We are a debt relief agency and we serve the greater Dothan, AL area so give our office a call today.