Whether it is you, a family member, or your small business experiencing financial hardship in this tough economy, sometimes filing for chapter 7 bankruptcy is the best solution for your most difficult problems. The Birmingham Bankruptcy attorneys at Harwell Law Firm LLC can assist you in filing for chapter 7 bankruptcy. Chapter 7 of the United States Bankruptcy code is known as the “fresh start” bankruptcy which allows debtors to discharge most if not all of their unsecured debt, including credit cards, medical bills, and payday loans. In essence, it allows a debtor to get a fresh start and begin rebuilding credit immediately. For some clients their credit actually improves due to filing bankruptcy now that they are able to make payments on their debts. Additionally, in most cases you may keep your vehicle and home if there is not excess equity above state and federal exemption laws.

Birmingham Bankruptcy Lawyer – Chapter 7

Determining whether you qualify for a Chapter 7 bankruptcy will be based on your family’s income and household size among other considerations. During your initial consultation, a Birmingham Bankruptcy Attorney will determine whether you will be able to file and qualify for a chapter 7 bankruptcy. Although we must be paid our attorney fees prior to filing the Chapter 7 Bankruptcy, we do offer convenient payment plans which allow you to retain Harwell Law Firm LLC and stop all calls from debt collectors. When you have paid us one-half of the legal fees, we will start working on your bankruptcy petition and start getting your case in a position to file. Once we file your case, the automatic stay period will begin. The automatic stay is part of federal bankruptcy law which says that creditors may not collect on debts without first getting relief from the automatic stay from the bankruptcy court, which is rare. This means that after we file your bankruptcy petition we can stop lawsuits, wage garnishments, harassing phone calls and all collection activity. Our fees are affordable and based on whether you are filing a single or joint petition with a spouse and how much debt you are seeking to discharge. Call our Birmingham Bankruptcy Lawyers today at (205) 980-1445 or on line by completing our Contact Us form.

Hoover, Chelsea and Homewood Bankruptcy Law Firm

In addition to our office in downtown Birmingham, we also have offices in Hoover, Chelsea and Homewood. Consequently, if you need a Hoover Bankruptcy Attorney, a Chelsea Bankruptcy Lawyer, a Homewood Bankruptcy Attorney or you are looking for a Shelby County Bankruptcy Law Firm, we have a location which should be convenient to your home or your place of work.