Chapter 7 Bankruptcy in Alabama

A Chapter 7 Bankruptcy case allows you to discharge your debts while also keeping your personal and real property. Chapter 7 Bankruptcy has different requirements than a Chapter 13 bankruptcy. It's important to talk with an Alabama bankruptcy attorney before making a decision about which type suits you best. In this post, we'll discuss what Chapter 7 means in Alabama and how the bankruptcy lawyers at C. Taylor Crockett P.C. can help.

Who is eligible for Chapter 7 bankruptcy in Birmingham Alabama?

To file Chapter 7 bankruptcy in the State of Alabama, you must meet certain specifications which we will discuss in detail during your free initial consultation. A few of these requirements include:

• Your income must be below a certain level

• You will need to complete a financial management and credit counseling course. We coordinate these courses from our office and you can take one of them in your own home. We will walk you through the process during your free consultation. 

How to file for Chapter 7 Bankruptcy

The process starts with an initial free consultation with our attorneys who will take time with you to discuss what options are available and which one would work best for each person’s unique circumstances. Due to Covid, we can conduct this first consultation either in our office, via Zoom, or via telephone. After determining if you are eligible for Chapter 7, a petition is filed with the local Bankruptcy Court and an automatic stay goes into effect. The automatic stay prevents creditors from continuing to harass you and to attempt to collect any further debts through wage garnishment, foreclosure, repossession or other means.

Speak to a Bankruptcy Attorney Today

Chapter 7 bankruptcy can be a stressful decision, but we're here to help. If you live in the Birmingham, Homewood, Vestavia Hills, Hoover, Jasper, Cullman, Aniston and Tuscaloosa areas, schedule your consultation today by calling us at (205) 978-3550 now!.