Finding Alternatives to Bankruptcy
If you are struggling with debt, you just want some relief. When you find out that you could get a fresh start and save your house through bankruptcy, you may be ready to take action right away. However, bankruptcy is not right for everyone, and an experienced lawyer may be able to find alternatives to bankruptcy that work better for you.
Experienced Alabama Alternatives to Bankruptcy Lawyer
I am attorney Brent W. Davis. From my office in Birmingham I help clients throughout Alabama and the Birmingham metro area get the debt relief they deserve through a variety of ways. While bankruptcy may be the right choice, I will help you look at a complete range of options, including credit counseling and debt settlement. Call (205) 989-1919 for an experienced Birmingham bankruptcy attorney.
Honest Counsel for Honest Debt Solutions:Contact Brent W. Davis & Associates
The minute you hire me, I will start working with your creditors to see if we can arrange a plan to reduce debts and interest rates without having to file for bankruptcy. There are a number of possible plans and alternatives to bankruptcy; we may be able to find one that addresses your immediate and long-term financial concerns:
- Mortgage and Loan Modifications
- Payment Plans
- Interest Rate Reduction
Do Not Go See a Debt Repayment Company
You are looking for debt relief solutions and bankruptcy alternatives. I understand that, but I strongly advise all of my clients not to go see a credit counseling agency. The plans they offer often reduce your interest rate but will not get rid of your interest. There are other flaws with the plans they offer, including:
- Not all creditors have to agree to abide
- A creditor can opt out at any time
- Creditors can continue to pursue collections against you
Unlike a credit counseling agency, I offer direct negotiations with the creditor for you. I can help you explore alternatives to bankruptcy, and if a plan cannot be reached with your creditors, I can help you through the Chapter 7 or Chapter 13 bankruptcy process as well. My goal is to help you find solutions, not just give you the information you want to hear.
Schedule a Free Initial Consultation
Open weekdays from 7:30 a.m. to 6 p.m., my offices are located in Birmingham – Homewood and Pelham and offer free parking. I offer my clients payment plans and flexible fee arrangements. Contact me today at (205) 989-1919 for a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.