Montgomery Chapter 7 Bankruptcy Lawyer
Last updated on April 23, 2025
The Alabama ‘Fresh Start’ Attorneys Of Anderson, Williams, & Farrow, L.L.C.
Proverbs 31: 8-9
Speak up for those who cannot speak for themselves, for the rights of all who are destitute.
Speak up and judge fairly; defend the rights of the poor and needy.
If you are struggling financially from a job loss, mounting medical debt from a sudden illness or expensive divorce, you need help – and you need it now. Federal bankruptcy protections are on the books to provide that very assistance.
It shouldn’t matter how you fell into financial distress, whether by living beyond your means or as a casualty of the national recession. Now is not the time to look back. It’s time to look to the future, and the practical remedies that Chapter 7 or Chapter 13 bankruptcy can provide.
Our experienced Montgomery debt relief lawyers at Anderson, Williams, & Farrow, L.L.C., can help explain the many positives of consumer bankruptcy, specifically that of the Chapter 7 liquidation “fresh start” approach.
You will learn about the “automatic stay” that stops home foreclosure and car or truck repossession; property exemptions that state what possessions you can keep during your bankruptcy; the option of a “short sale” of your home; and dischargeability of medical and credit card debt.
For honest answers to your questions about how a personal bankruptcy can impact your tax standing, imminent divorce, student loan or wage garnishment, contact Anderson, Williams, & Farrow, L.L.C. We have successfully served debt relief clients in the Tri-County Area and River Region of central Alabama since 1997.
Call toll free: 800-518-1847. An evening appointment is available upon request.
Innovative, Effective Legal Solutions For Any Problem That Arises In Your Life
If you qualify for a Chapter 7 bankruptcy filing via the “means test,” debt that can be eliminated include:
- 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
Many of today’s personal and business success stories began with a well-timed bankruptcy strategy. We want to be a part of your success story. Call or email us to discuss how we can help bring you back to a sound financial footing. Our skilled lawyers provide legal solutions for any problem that arises in your life.
FAQs: Alabama Chapter 7 Bankruptcy
Filing for Chapter 7 bankruptcy in Alabama represents a vital step toward achieving debt relief and a fresh financial start. This process allows you to eliminate most of your unsecured debts while still adhering to specific legal guidelines. Below, we address common questions about Chapter 7 bankruptcy to help you better understand its implications and benefits.
Can I keep any of my assets if I file for Chapter 7 bankruptcy in Alabama?
Yes, you may be able to keep certain assets when filing for Chapter 7 bankruptcy. Under Alabama law, certain exemptions are in place that protect specific property, such as your home, car and personal belongings, up to a certain value.
Since these exemptions can vary, consulting with a bankruptcy attorney can help you determine what assets are safeguarded from Chapter 7 in Alabama.
Will filing for Chapter 7 bankruptcy stop creditor harassment and lawsuits in Alabama?
Yes, it will. Filing for Chapter 7 bankruptcy triggers an automatic stay, which halts most creditor actions, including harassment, collection efforts and lawsuits. This legal protection remains in place throughout the bankruptcy process, offering you peace of mind and relief from financial stress.
How long does the Chapter 7 bankruptcy process take in Alabama?
The Chapter 7 bankruptcy process typically takes about four to six months from the filing date to the discharge of debts. This timeline can deviate depending on the complexity of your case and the court’s schedule. Working with an experienced attorney can help facilitate a smooth and timely bankruptcy process.
Can I file for Chapter 7 bankruptcy in Alabama if I have a previous bankruptcy filing?
Yes, but there are restrictions to consider. If you previously filed for Chapter 7 bankruptcy, you must wait eight years from the date of your last filing before you can file again. Consider speaking with our experienced bankruptcy attorneys to discover whether you are eligible for a Chapter 7 bankruptcy and get the process started.
Your Initial Consultation
Contact the Montgomery Chapter 7 bankruptcy attorneys of Anderson, Williams, & Farrow, L.L.C. Call us toll free for the initial consultation that could make a positive difference in your life: 800-518-1847.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.