Bankruptcy

Serving individuals and families throughout the communities of Shelby County, Chilton County, Jefferson County, Tuscaloosa County, Talladega County and surrounding areas. 

A fresh start for a better future.

Struggling with overwhelming debt?

We know the feeling: you’re trying to keep up with the Joneses, or maybe you’re just trying to keep a roof over your head. But one misstep and suddenly you’re in danger of losing everything you’ve worked so hard for.

Stop harassing creditors

Get legal protections from unreasonable demands of creditors or even prevent them from calling your home to collect a debt.

Stop lawsuits

Don’t let lawsuits ruin your life. Get help from a bankruptcy attorney today.

Stop foreclosures

We can help you save your home from foreclosure.

Stop wage garnishments

Stop wage garnishments from taking large percentages of the income you earn.

Stop repossessions

Receive a temporary stay to give you time to catch up or make payments.

Keep your assets

We can help you keep your assets and get a fresh start.

 Serving individuals and families throughout the communities of Shelby County, Chilton County, Jefferson County, Tuscaloosa County, Talladega County and surrounding areas.

Bankruptcy Attorneys – Chapter 7

Let Elder Legal Help You Get Out of Debt

Elder Legal is ready to help clients like you get your finances under control. The best part is that we always offer clients a free consultation. Come in and discuss your options face to face with one of our experienced bankruptcy attorneys.

Why Bankruptcy

The purpose of bankruptcy is to give you a fresh start on your road to financial recovery. Bankruptcy provides you with protection from creditor harassment and relief from financial pressures. By filing for bankruptcy you are taking responsibility and making a legitimate step in getting your financial life back in order. Bankruptcy can be intimidating but it is a legal and respectable way to regain your financial dignity instead of losing it.

How We Help With Your Bankruptcy

There are many rules and regulations to follow when filing for bankruptcy. Elder Legal bankruptcy attorneys can help you better understand the rules that apply to you. We understand bankruptcy law and can help you understand it, too. Our lawyers, paralegals and administrative staff can answer any questions about bankruptcy you may have.

We can also help protect you against creditor harassment and ensure that you’re not being abused. We can give you guidance and helpful tips on staying ahead financially after you are discharged from bankruptcy. Let our experienced attorneys guide you through the entire bankruptcy process. Call us at 205-965-7855 or fill out the contact form below and we’ll get to work for you. 

We can assist you by helping eliminate the debts that currently overwhelm your daily life. You may face foreclosure, vehicle repossession, wage garnishment, litigation, or you might simply need a way out of your unmanageable debt. Our bankruptcy attorneys can offer the solutions and assistance you need to reclaim your financial freedom.

Elder legal would like to help you secure a debt-free future and get your financial life back on track. If you’re struggling financially, Chapter 7 Bankruptcy may be the solution you’ve been searching for. Our attorney has decades of experience helping people move through each step of the Chapter 7 Bankruptcy process. Give us a call today at (205) 965-7655 to schedule a consultation so we may outline the options available to you. Consulting an experienced and local Bankruptcy Attorney is a smart choice when faced with real financial difficulties. Your initial consultation with the legal team at our offices is always free.

What Is Chapter 7?

Individuals and business entities are eligible to file for Chapter 7 bankruptcy. For instance, individuals may file Chapter 7 to free themselves of debt, or businesses may complete a Chapter 7 bankruptcy to terminate their business. Chapter 7, also referred to as “straight bankruptcy,” does not involve filing a repayment plan, as is t

Who Can File Chapter 7?

The first part to determine your eligibility for Chapter 7 bankruptcy, is a process which is referred to as the “means test.” The “means test” is designed to determine whether you can afford to pay back your creditors. Individuals with high income will not qualify for a Chapter 7 bankruptcy. 

Chapter 7 eligibility is also determined by the value of your assets. State law provides certain protections for your home, vehicles, and personal property but sometimes if they are very valuable or have no liens against them, it can cause problems in a Chapter 7 case. 

Lastly, you are ineligible for a Chapter 7 if you have a recent Chapter 7 discharge.

 Non-Dischargeable Debts

Keep in mind that Chapter 7 bankruptcy may not discharge all debts. Certain debts that cannot be discharged include those related to alimony, child support, fraudulent debts, and student loans, as well as certain back taxes. That being said, some of the common debts that can be discharged in a Chapter 7 bankruptcy include large credit card debts and medical bills. 

Call 205-965-7655 for Professional Guidance

If you seek to file for Chapter 7 bankruptcy in Alabama, reach out to Elder Legal for experienced and informed guidance. Bankruptcy law is our bread and butter. We are deeply familiar with the bankruptcy filing process, especially for those in our local community. We aim to keep our prices low for your financial health and convenience. Let us help you out of your financial rut ASAP. 

Our bankruptcy services help with a number of debt-related issues, including:

• Personal loans
• Payday loans
• Lawsuits and wage garnishments
• Car loans
• Credit cards
• Medical bills
• Foreclosure
• Bad debt consolidations

Confident & Understanding Legal Representation Today

At Elder Legal, our clients will always be treated with the compassion and honesty. We aim to create a comfortable and open office environment led by a team of confident, experienced professionals. We understand the fear, anxiety, depression, and negative emotions that our clients are feeling and how confusing and disheartening the legal process can be. Our attorneys and staff vow to always be there for our clients, to lend a compassionate ear, to comfort them, and to make sure they understand what is happening at all times while we guide them through this process.