Do you need an Alabama Bankruptcy Attorney?

Call (205) 980-1445 for answers

Birmingham Bankruptcy Attorney and Shelby County Bankruptcy Attorney can answer your questions

Birmingham Bankruptcy Attorney Scott Harwell has been assisting individuals and families with their financial problems, in Bankruptcy Court and in lawsuits for over 19 years. Mr. Harwell understands that excessive debt and financial problems are stressful and affect hardworking Alabama citizens and families due to unforeseen circumstances such as an illness, loss of a job or divorce.  We are here to help you get a fresh start and to move forward with your life. If you are currently having trouble with your finances, please call Harwell Law Firm today at (205) 980-1445 to discuss your situation and schedule a consultation or complete the contact us form.    

Filing for Personal Bankruptcy

Our Birmingham Bankruptcy Attorneys understand that filing for personal bankruptcy can be overwhelming and very stressful.   If your credit cards, medical bills, student loans or mortgage payments are so high that you struggle to make ends meet, a bankruptcy attorney can help. All too often, many people mistakenly believe that they may not be eligible to file for Bankruptcy and use this as an excuse to not consult with a Bankruptcy Lawyer. However, most people do qualify for Bankruptcy Protection. Another common concern is how a Bankruptcy will affect your credit. However, if you are delinquent on your bills or drowning in debt, your credit score will most likely increase after you have discharged your dents. Before you continue to suffer from undue stress and anxiety over your finances, call an experienced Shelby County Bankruptcy lawyer today. We have assisted over one thousand individuals and families with their financial problems and we can also help you.

Four Office Locations in Birmingham, Hoover, Chelsea and Homewood

Unlike most Bankruptcy attorneys that market on the internet that they are a Birmingham Bankruptcy Attorney, a Hoover Bankruptcy attorney, a Chelsea Bankruptcy Law Firm or a Shelby County Bankruptcy Lawyer for search engine purposes, Harwell Law Firm LLC actually has four office locations in the Birmingham metro area with two offices located in Shelby County and two offices located in Jefferson County. This permits us to meet with clients and potential clients at a location which is most convenient to them. The Birmingham office is located in downtown Birmingham at the Wells Fargo Tower, the Homewood office is located behind the Embassy Suites. Our primary Shelby County Law Firm office is located at The Narrows off of Highway 280 at the bottom of Double Oak Mountain and just outside the city limits of Chelsea, Alabama Our second Shelby County Law Firm location is in Hoover near the Riverchase Galleria at One Chase Corporate Center.


Wells Fargo tower
Downtown Birmingham Office at the Wells Fargo Tower
Hoover Office
Hoover Office at One Chase Corporate Center
Shelby CountyHighway 280 Office Located at The Narrows in Chelsea
Shelby CountyHighway 280 Office Located at The Narrows in Chelsea


Homewood Office at Southbridge located behind Embassy Suites
Homewood Office at Southbridge located behind Embassy Suites



  • After the Bankruptcy is filed, all of your creditors receive notice of the Bankruptcy filing and must cease all harassing phone calls
  • ALL collection activity stops – Garnishments, Foreclosures, Repossessions, Lawsuits, Levies are stopped as a result of the Automatic Bankruptcy Stay
  • Exemptions which allows most people to keep their home, vehicles and personal property
  • Court oversight and Orders to provide you with protection from your creditors
  • Within 4 months of filing Chapter 7 Bankruptcy, all of your consumer debt can be eliminated and you can receive a fresh start to your financial future
  • Start rebuilding your credit immediately after you receive a discharge from your debts


For most Alabama individuals and families, they will have the option of filing Chapter 7 or Chapter 13 Bankruptcy. Chapter 7 is commonly referred to as “straight” Bankruptcy whereas Chapter 13 is referred to as “Debtor’s Court.” Because every situation is unique, our Birmingham Bankruptcy Lawyers will meet with you, gather information about your debt, your assets and your income and only then will we make a recommendation about the best possible legal solution to your financial situation.


Basics of Alabama Chapter 7 Bankruptcy

Chapter 7 Bankruptcy, commonly referred to as “straight” bankruptcy, typically lasts 3 to 4 months and results in the majority of people being able to discharge all of their consumer debts and retain their personal property. As with every law, there are exceptions to this general rule and certain debts like child support, taxes and student loans are generally not dischargeable. Because every client’s case is unique, it is our job as your Alabama Bankruptcy Attorney to assess your income, monthly expenses, your debt, the type of debt and then recommend a course of action. If you have questions, please call us at (205) 980-1445 to discuss your case. For additional information on line, you can also click on this link to the official website of the United States Bankruptcy Court for the Northern District of Alabama.

Basics of Alabama Chapter 13 Bankruptcy

Chapter 13 Bankruptcy, which is often referred to as “Debtor’s Court,” establishes a court ordered and court supervised payment plan for all your creditors, whether a mortgage loan, car payment, child support, student loans or past due taxes. Although the plan to reorganize your debts is subject to court approval, your payments are determined and set by what you can actually afford to pay and payments made through the Court are almost always lower than payments you have been making individually.


If you make all of your payments through the plan (usually 3 to 5 years), your payment plan is completed and you will receive a discharge of consumer debts like credit card debts and medical bills. Often, our Shelby County Bankruptcy Lawyers will recommend a Chapter 13 case if a client has fallen behind on their secured payments like a home or a car and the creditor will not work with them to catch up on the past due payments . Chapter 13 can also be a great option if a client does not qualify for Chapter 7 or would lose some of their assets if a Chapter 7 case was filed.


Harwell Law Firm LLC is not just a Bankruptcy Law Firm because when it comes to your family and your finances we can assist you in the following areas:
Chapter 7 “Straight” Bankruptcy
• Chapter 13 – “Debtor’s Court”
• Debt Negotiation with Creditors
• Foreclosure Defense
• Debt Collector Harassment and Violations of the Fair Debt Collections Practice Act
• Fair Credit Reporting Act Violations
• Defending Lawsuits filed by Creditors

If you only have a few debts and are only being sued by one or two of your creditors, your best option may be to defend the lawsuit, especially if the original debt has been turned over to a debt collection agency. On many occasions, although the debt collector may have “bought the debt,” they do not have the legal documentation to prove that you owe any money. We have successfully defended clients in lawsuits filed by debt collection agencies and their attorneys. We will also sue debt collection agencies for violating your federal rights in attempting to collect debts and utilizing practices which violate the Fair Debt Collections Practices Act.

Birmingham Debt Negotiation Lawyer

If you are having trouble making ends meet but do not want to file for Bankruptcy, a viable option would be to hire a local Birmingham Debt Negotiation Attorney. As with most legal issues, although it may cost you less money on the front end to attempt to handle negotiations with creditors on your own, this is also a risky proposition.

Debt Negotiation Services – Why choose a local Birmingham Attorney or Shelby County Law Firm?

Often, national debt negotiation companies make promises which they simply cannot keep. They promise you the world and claim that they can reduce your debt. However, they are limited by what they are able to negotiate based on their agreements with the large banks and credit card companies. If even one of your creditors refuses to participate in a debt repayment plan, this can affect the entire plan and can result in late fees and accrued interest, which only serves to increase your debt. Please do not be fooled by the promises of these debt consolidation and debt settlement companies and send money to a company that you do not know. Unlike these companies, if you choose to file a Chapter 13 case, our fees and charges are overseen by a federal Bankruptcy Judge and, unlike agreements with credit card companies, decisions made by a judge on your case are final and binding.

The Shelby County Bankruptcy Law Firm and Birmingham Bankruptcy Attorneys at the offices of Harwell Law Firm, LLC provides Legal Counsel from a Christian Attorney Perspective in Alabama Bankruptcy Law, Birmingham Chapter 7 Bankruptcy Law and Shelby County Chapter 13 Bankruptcy Law. Harwell Law Firm LLC represents clients in Shelby County, Jefferson County, counties surrounding Birmingham and municipalities of Shelby County and Jefferson County, including, but not limited to: Birmingham, Chelsea, Hoover, Inverness, Greystone, Vincent, Columbiana, Alabaster, Pelham, Helena, Jemison, Montevallo, Calera, Harpersville, Wilsonville, Sterrett, Leeds, Mountain Brook, Vestavia Hills, Homewood, Bessemer, Hueytown, Gardendale, Irondale, Fultondale, Graysville, Fairfield, Clay, Center Point, Brookside, Adamsville, Brighton, Argo, Pell City, Oneonta, Springville, Anniston, Jasper, Huntsville, St. Clair County, Bibb County, Blount County, Talladega County, Tuscaloosa County, Walker County, Cullman County, Madison County and more.