Do I need a bankruptcy attorney?
Understanding bankruptcy, debt, and legal solutions.
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 the Federal Bankruptcy laws could stop ALL of the threatening phone calls and letters IMMEDIATELY! We are a Dothan, AL law firm and we can help!
Bankruptcy and Debt Relief
Bankruptcy offers 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.
Why Go It Alone?
While you are not required to hire a bankruptcy 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.
Your Bankruptcy Lawyer
How can a bankruptcy lawyer working for you make a difference in the success of your case?
If you have a bankruptcy lawyer working for you, creditors and debt collectors may not contact you for any debt collection purposes after you file.
That's right, they must deal directly with the law firm. This even applies to your mortgage lender if you are in foreclosure when you file for bankruptcy. Your attorney will be your representative to your creditors and to the Bankruptcy Court. 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 bankruptcy cases are the same, you need an attorney who will listen and understand the specifics of your situation. At Walker Law Firm, you will have that attorney. Contact us today for a free bankruptcy consultation!
Filing for Bankruptcy
Chapter 7 or Chapter 13?
You may be asking yourself whether bankruptcy is right for you, but you would also need to know which type of bankruptcy would be right for you if you decide to file. Chapter 7 Bankruptcy usually allows for the discharge of most secured debt while Chapter 13 Bankruptcy involves a debt repayment plan overseen by the Bankruptcy Court. And did you know that some cases can be converted from a Chapter 13 filing to a Chapter 7 filing or the other way around? The right bankruptcy lawyer can help you figure out the answer to all of these questions.
Details, Deadlines, and Dates
Bankruptcy is a highly detailed process 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 anything that you might be missing. If missing information surfaces during the course of your bankruptcy proceedings, even if accidentally left out, it could be detrimental to your case.
There are many deadlines in the bankruptcy process. A missed deadline could mean a delay or even a dismissal of your bankruptcy case. Your bankruptcy attorney will keep you up to date with all of the important dates and deadlines in your bankruptcy case.
Meetings and Hearings
During the course of your bankruptcy, whether you file Chapter 7 or Chapter 13, you will have to attend a 341 Meeting, otherwise 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 Bankruptcy Judge will approve or reject your debt repayment plan. It would be in your best interest to be represented by an attorney experienced with bankruptcy for this hearing.
You Need a Bankruptcy Lawyer!
A Law Firm You Can Trust
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 attorney.
With over 10 years of experience in consumer bankruptcy, we can help you navigate the process through every step, from your initial filing to the final discharge.
The Walker Law Firm Has Your Back
There is too much at stake when it comes to a bankruptcy filing. Having the right law firm work for you can make all the difference in the outcome of your bankruptcy case.
Don't let a missed deadline or a forgotten detail cause you to lose out on your chance for a fresh start. Contact the Walker Law Firm today for a FREE bankruptcy consultation with an experienced bankruptcy lawyer to see if bankruptcy can help you get the relief you need. We serve the greater Dothan, AL area.