Overcome Debt Through Bankruptcy

You have reached a crossroads. You have tried to pay off your debt. You have worked hard and chipped away at it, only to find that you are barely paying the interest. You have taken call after call from your creditors. You have spent many sleepless nights wondering if you are ever going to regain control of your finances. You may have done everything you can do on your own, but there is one more debt relief option to consider: bankruptcy.

Like many people, you may be worried about filing bankruptcy. Unfortunately, there are many misconceptions about this process and how it will affect you. The truth is, bankruptcy is designed for you. It is there to help people who have become overwhelmed by debt. It will not ruin your credit or negatively impact your financial future. It is the first step to getting back on track, and our attorneys are here to help you take that step.

At Russo White & Keller P.C. in Birmingham, we have more than 70 years of combined experience providing debt relief services to people throughout Alabama. Starting with a free consultation, we will help you regain control of your financial situation.

Your Bankruptcy Options

Bankruptcy comes in several forms. These forms include:

  • Chapter 7 bankruptcy: This is the most common type of bankruptcy. Chapter 7 allows you to discharge the majority of debts.
  • Chapter 13 bankruptcy: This type of bankruptcy allows you to create a repayment plan that fits your budget so you can repay your debts.
  • Chapter 11 bankruptcy: This type of bankruptcy is primarily used by businesses to recover from debt. It functions similarly to Chapter 13.

Our lawyers will start by learning about your situation and guiding you toward the form of bankruptcy that is right for you. Whether you have accumulated credit card debt, medical debt or any other form of debt, we can provide the guidance you need.

Foreclosure Defense

Have you been threatened with foreclosure? Has a creditor threatened to repossess property? Bankruptcy and other methods can be used to prevent these actions. Our attorneys are well-versed in the requirements that a creditor must fulfill in order to foreclose on a home or repossess property. When a creditor tries to repossess when it should not, which is fairly common, we will push back to help you stay in your home.

Fight Creditor Harassment

When attempting to collect on debts, creditors frequently overstep their bounds. The Fair Debt Collection Practices Act (FDCPA) and other laws were created to protect consumers from attacks by creditors. When creditors break the law, we will hold them accountable and potentially even seek compensation for you.

Start The Debt Relief Process With A Free Consultation

We understand that you may be hesitant to file bankruptcy. We are not going to push you into a bankruptcy filing. Instead, we will review your case, educate you about potential alternatives, and let you know if bankruptcy truly makes sense for you.

To get more information about debt relief, email us or call 205-259-5439.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.