Helping Alabama Clients Get A Fresh Start Through Bankruptcy
Did a job loss put you behind on your mortgage payments? Are medical expenses from a health crisis or serious injury piling up beyond your control? Is consumer debt threatening to overwhelm you and your family?
A person can get behind on his or her bills in many ways. This is not a sign of failure but an indication that help is needed. Chat with us to find out about your options for help.
Skilled Legal Guidance With Consumer Bankruptcy Filings
At Hawley & Associates, LLC, Prattville, Alabama, we provide understanding and experienced legal guidance to individuals and families who are struggling with their finances. Let our skilled attorney dispel the myths regarding bankruptcy and provide you with consumer bankruptcy protection.
Whether you need a Chapter 7 liquidation or a Chapter 13 payment plan, we promise to:
- Evaluate your particular circumstances to develop a plan that is right for you
- Strive to make the bankruptcy code work for you
- Work to ensure that you are receiving every protection afforded by the law, from the time of filing through a discharge of your debts
- Fight stop garnishments, repossessions and foreclosures
- Help you obtain breathing room or a fresh start to a solid financial future
Understanding Alabama Bankruptcy Laws
When deciding whether to file a Chapter 13 bankruptcy or a Chapter 7 bankruptcy, oftentimes, the controlling question is whether you will be forced to surrender your real or personal property.
In 2015, the governor of Alabama signed into law multiple modifications to state exemption statutes. These changes to the law help alleviate some of the financial burdens placed on the residents of Alabama, especially for lower-income debtors. These and other exemptions exist under both federal and state laws, which are designed to protect a debtor’s property and livelihood.
You do not need to go through this complicated process on your own. We will help you understand your options regarding asset protection, dischargeable debt and other important aspects of your situation.
Even if you are already in bankruptcy, the law changes. Sometimes it is beneficial to dismiss your current case and start over. As the law regarding the treatment of VA Disability recently changed, this is especially true of veterans receiving disability.
Schedule A Free Consultation With An Experienced Lawyer Today
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.