Chapter 7 Bankruptcy Attorney In Montgomery, Alabama
Is Chapter 7 Bankruptcy Right for Me?
In a Chapter 7 bankruptcy, you are granted the invaluable opportunity to eliminate a significant portion of your debts, which can include burdensome liabilities such as payday loans, medical bills, credit card debt, personal loans, automobile repossessions, and much more. This form of bankruptcy is designed to provide you with a fresh financial slate. Importantly, in many situations, you can retain ownership of essential assets like your home and car, as long as you continue to make timely payments on those accounts throughout the bankruptcy process. The advantages of filing for bankruptcy extend well beyond just debt relief. One of the most immediate benefits is the instant cessation of threatening actions and harassment from creditors, which can include lawsuits, wage garnishments, and the freezing of bank accounts, allowing you to regain control of your financial situation.
However, it’s crucial to understand that there are specific requirements and qualifications that must be met to successfully file for Chapter 7. Navigating the complexities of this process can be challenging, so having the support of an experienced professional is highly beneficial. Gary Backus, a reputable and dedicated bankruptcy attorney based in Montgomery, Alabama, has built a strong track record of assisting individuals in reset their financial paths and achieving stability.
Call Backus Law Group at 334-265-0800 to reach the Montgomery office or 205-755-5208 for the Clanton office to schedule a consultation with a lawyer today.
Are There Any Types of Debt Chapter 7 Doesn’t Cover?
Unfortunately, Chapter 7 bankruptcies don’t relieve you of certain types of debt, which can be a significant concern for many individuals facing financial hardship. If you owe past income taxes to the federal or state government, child or spousal support, or student loans, you'll need to explore alternative payment arrangements to address those specific debts. However, filing for Chapter 7 bankruptcy can be beneficial for other debts you may have, as it can help you free up more funds to effectively manage and tackle these more challenging obligations.
That’s why it’s absolutely critical that you start working with Gary Backus, a Montgomery-based lawyer who possesses a deep and comprehensive understanding of bankruptcy laws and procedures. Gary can take the time to sit down with you personally, listen to your unique circumstances, and help you devise a tailored plan that will set you on the path to get out of debt for good. Don’t hesitate—schedule an appointment with Backus Law Group in Montgomery, Alabama, today and take the first step toward regaining your financial independence!
What Are Some of the Requirements for a Chapter 7 Bankruptcy?
Are you considering filing for Chapter 7 bankruptcy in Montgomery, Alabama? Let Gary Backus, a dedicated bankruptcy attorney, guide you through the process. The Chapter 7 means test ensures that your income level qualifies you for this type of bankruptcy, demonstrating that you lack the necessary funds to settle your debts. Additionally, you're required to complete financial counseling within the six months leading up to your filing.
Gary Backus is here to help you navigate these steps, ensuring that all paperwork is correctly prepared and submitted. With his assistance, you can embark on the path to financial recovery swiftly and efficiently. Start your journey to financial freedom today by contacting Backus Law Group in Montgomery for a consultation.
Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.
Have Bankruptcy Questions?
Call Backus Law Group at 334-265-0800 today to speak to an attorney. Our firm offers $99 Down to get started, giving you and your family a financial fresh start!