Bankruptcy

Medical Bills - Layoffs - Family Problems - Business Setbacks

Due to misfortune, hard-working people with good intentions sometimes are not able to pay their bills. If you have been laid off, or unable to work because of illness, you may be unable to make mortgage payments. If your family has put a child through drug rehabilitation, you are facing extraordinarily high medical bills. If your family business has run into trouble, business bill collectors may be calling you.

Federal bankruptcy laws may provide you with relief and allow you to get back on your feet. Once you have filed for Chapter 7 or Chapter 13 bankruptcy, creditors are stopped from bill collection harassment, suing you, foreclosing your home mortgage, garnishing your wages, or calling you.

At the Anderson Law Firm, L.L.C., our Alabama bankruptcy lawyers are experienced in Chapter 7 and Chapter 13 filings, and are up-to-date on recent changes in federal bankruptcy law. If you would like advice on eliminating or re-organizing your debt, contact our Montgomery offices and ask to speak with a bankruptcy attorney.

The most common debts eliminated through bankruptcy are:

• Back rent
• Utility rent
• Some court judgments
• Credit card bills
• Department store and gasoline company bills
• Loans from family and friends
• Newspaper and magazine subscriptions
• Legal, medical, and accounting bills
• Unsecured loans

Some debts cannot be discharged through bankruptcy, including:

• Taxes
• Alimony/spousal support
• Child support
• Student loans
• Secured debts
• Personal injury damages arising from driving while drunk
• Debts from fraud, larceny, or embezzlement
• Punitive damage claims for assault and libel

For more information on Chapter 7 and Chapter 13 bankruptcy law, and which debts can be eliminated, visit our bankruptcy information center.

Alabama Bankruptcy Attorneys
The Anderson Law Firm, L.L.C.