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 Grainger Hawley & Shinbaum, LLC, with offices in Montgomery and Prattville, Alabama, we provide understanding and experienced legal guidance to individuals and families who are struggling with their finances. Let our skilled attorneys 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
• We fight to 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 shouldn’t 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.Under prior administrations, it was virtually impossible to discharge student loans. Under the current administration, a streamlined approach has been developed to review student loans in bankruptcy. This process could result in a total or partial discharge of your student loans.

Schedule A Free Consultation With An Experienced Lawyer Today

Your success is our success. Don’t wait until it is too late. Send us an email, or call us now at 334-361-7750 to schedule your free initial consultation.

Attorney Brad Hawley

Attorney Brad Hawley possesses years of practical experience focused on bankruptcy, civil and criminal defense. He has prosecuted and defended clients in state court, and is a former enlisted member of the United States Army. Brad is driven by his desire to help people that have been hurt by the legal system, and is dedicated to fixing injustices he sees around him. [ Attorney Bio ]