Does your paycheck, week after week, fail to cover your bills? Are you worried that a lender may foreclose on your house or repossess your car? If you have a steady income and can afford to make some payments, but are falling behind, debt restructuring through a Debtors’ Court / Chapter 13 Bankruptcy may help.
Attorney Matt Dunaway will look at your bills, your income, your property, and your debt when evaluating your financial situation. Chapter 13 Bankruptcy provides a way for debtors to reorganize their debt, consolidating overdue credit card debt, overdue car payments, overdue mortgage payments, and back taxes; and pay them off within three to five years.
If you have a house, car, or other property that you may lose if sued for debt, and would like to find out more about debt restructuring, contact our firm to arrange a free consultation at our law firm’s office in Birmingham.
An attorney will sit down with you and go through your situation, explaining complex consumer Chapter 13 issues, and the law regarding Chapter 7 and Chapter 13 Bankruptcy. When you fully understand your options you can decide whether you want to hire our firm to help you file.
At that meeting you will also learn how bankruptcy affects real estate and overdue child support payments, and how bankruptcy lawyers get paid. Unsecured debt, such as credit card debt/balances, may be paid off without interest.
If you decide to file a Chapter 13 Bankruptcy, you will have your first hearing about thirty days later. A Confirmation Hearing is held about six weeks after the first hearing. We attend both hearings with our clients. After our clients’ bankruptcies are final, we assist them in repairing incorrect credit reports and in consumer and credit counseling.
At Dunaway-Attorneys at Law, a Birmingham debt reorganization law firm with an office in Birmingham, Chapter 13 Bankruptcy lawyers assist clients throughout Alabama, including Jefferson County, St. Clair County, Blount County, and Shelby County, and the communities of Birmingham, Oneonta, Ashville, Columbiana, Gardendale, Harpersville, Talladega, Fultondale, Hueytown, Bessemer, Vestavia Hills, Trussville, Tarrant City, Hoover, Moody, Leeds, Pelham, Alabaster, Mountain Brook, Pell City, Margaret, Trafford, Lincoln, and Irondale, Alabama.
For more information about Chapter 13 Bankruptcy / Debtors’ Court, see our Bankruptcy Information Center and Frequently Asked Questions about Bankruptcy.
Attorney Matt Dunaway will explain how to protect your rights