Alabama Chapter 7 Bankruptcy Attorney
Due to the current economic pressures, the number of consumers filing for bankruptcy protection continues to increase. Many of the clients I serve are under water due to unplanned medical bills or credit card debt.
My clients want to do the right thing, and they often have struggled to pay off ever-growing debts. Going home and having a relaxing evening is difficult when the bill collectors call nonstop. Many clients tell me they get calls at work, as well.
I am attorney Joe Ingram. I have years of experience helping families file for bankruptcy and get the debt relief they need. Filing for Chapter 7 or Chapter 13 bankruptcy can give you and your family the fresh start you deserve.
One of the advantages of filing for bankruptcy is that it stops creditor harassment and all collection actions immediately. As soon as the paperwork is filed, creditors and collection agencies are prohibited from contacting you, except through your lawyer.
At the law offices of Joseph A. Ingram, Attorney at Law, I am happy to provide a free telephone consultation to discuss your options. Contact my law office online or call me at 205-335-2640.
I am available by appointment weekends and Saturdays. The sooner we talk, the sooner I can help you find relief from crushing debt.
The Advantages of Chapter 7 Bankruptcy
In Chapter 7 bankruptcy, which is sometimes called "straight bankruptcy," most of your debt, including credit card debt, medical bills and past-due mortgage payments, can be wiped away. Some obligations, such as student loans, spousal and child support, and most tax debts are generally not eligible for discharge in bankruptcy. Even if you have those types of debt, however, getting rid of your other debt can make them affordable.
Chapter 7 protection is essentially designed for people who lack the means to pay off consumer debt. In order to qualify for Chapter 7 bankruptcy protection, you must pass a "means test," which considers your disposable income and your level of indebtedness.
It is a fairly simple calculation. If the income for your family of 4 is less than $32,756, for example, you would qualify for Chapter 7. If your disposable income is high in relation to your debt, you may not qualify for Chapter 7 but we can still consider filing for Chapter 13.
I am here to help you and your family through this difficult time. I can help you find a credit counseling course and walk you through the process of filling out the financial forms so I can file your bankruptcy as soon as possible.
To get started, contact me online or call me at 205-335-2640 for a confidential appointment.
