Experienced Birmingham Area Bankruptcy and Foreclosure Lawyer Helping Alabamans Find Relief From Debt
If you are unable to pay your monthly bills or your business is facing mounting debts, it may be time to speak to an experienced bankruptcy attorney. Even if you owe a debt and you are unable to pay, you still have rights. One of your primary rights is the legal option of filing bankruptcy. Depending on your circumstances, other debt relief options may exist.
The law office of Brent W. Davis, L.L.C., has offices in Birmingham and Pelham. Our law practice focuses almost exclusively on debt relief and consumer protection. Bankruptcy and foreclosure attorney Brent W. Davis has more than a decade of relevant legal experience, and we can help you take control of your financial situation. We provide personalized bankruptcy-related services in a welcoming environment. We will work hard to solve your financial problems and get you back on your feet.
- At Brent W. Davis, L.L.C., we help clients file for business debt relief and personal bankruptcy, and we monitor our clients’ creditors to ensure they follow fair lending laws and debt collection regulations. If you are behind on mortgage payments or facing foreclosure, we can explain the foreclosure alternatives and help you save your home or escape an unmanageable mortgage.
Do You Qualify for Bankruptcy?
One of the major public misconceptions about personal bankruptcy is that almost no one qualifies for debt discharge bankruptcy, which is called Chapter 7 bankruptcy. This is not true. To successfully file Chapter 7 bankruptcy, you must pass a means test. If your income is lower than the state’s median income, or if your debts are more than a certain proportion of your income, then you may qualify for Chapter 7 bankruptcy.
Even if you do not qualify for Chapter 7 bankruptcy, you may still file a Chapter 13 bankruptcy petition, which reorganizes your debt payments into amounts you can reasonably afford and discharges most debt that remains after a three- to five-year repayment period.
Your First Step To A Fresh Start
For more information about stopping foreclosure, filing bankruptcy or other debt relief issues, or to schedule an appointment, please contact us. To prepare for your appointment, you may review this list of documents to bring with you on your first visit to our office.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
