How Did These Credit Card Bills Get So Big, SO Fast?
Credit Card Bills Life has a way of sneaking up on us, doesn’t it? One moment, everything seems manageable, and the next, you’re staring at a mountain of credit card bills, wondering, “How did this happen?” You’re not alone in feeling this way. The reality is that...Keep Your Home Safe from Creditors with Chapter 13
Keep Your Home with Chapter 13 Facing financial difficulties can be incredibly stressful, especially when it feels like your home is at risk. But there’s good news for homeowners in Birmingham, AL: Chapter 13 bankruptcy can help you keep your house safe from...Navigating Financial Challenges
Finding the Right Bankruptcy Lawyer in Birmingham, Alabama In today’s fast-paced world, financial stability can sometimes feel like a distant dream. For many of us balancing careers, families, and personal aspirations can be overwhelming, especially when unexpected...What Documents Do I Need to Get Chapter 13 Bankruptcy Protection?
What Documents Do I Need to Get Chapter 13 Bankruptcy Protection? Filing for Chapter 13 bankruptcy can be a complex process, but having the right documents ready can make it much smoother. Chapter 13, often referred to as a “Debtor’s Court,” allows individuals...Determining When Bankruptcy is Appropriate for You
Understanding when bankruptcy is a viable option is crucial. Over the past 23 years, my experience with Chapter 7 and Chapter 13 bankruptcy clients has revealed common indicators that suggest it might be time to seek debt relief. Here are five key signs: Age and...Preventing Car Repossession with Chapter 13 Bankruptcy in Birmingham, AL
How Will It Feel to Tell Your Boss You Can’t Come to Work Because the Bank Took Back YOUR Car? Are you struggling to keep up with your car payments and worried about repossession? You’re not alone. Many people in Birmingham, AL, face this challenge, but there’s a...I’ve Been up All Night Worrying About My Bills Again. What Can I Do?
Struggling With Debt A lot of people in Birmingham are struggling with debt. This is because of things like: High medical bills: Healthcare in the U.S. is really expensive. Even with insurance, people can end up with huge bills. Job loss or less money: When people...How Long Does it Take to Get Out of Debt with Chapter 7?
How Long Does it Take to Get Out of Debt with Chapter 7? After filing Chapter 7 bankruptcy, there are a few steps before your debts are officially forgiven. First, you need to take some classes: You’ll need to complete a credit counseling course before you file...Bankruptcy Lawyers Can’t Bankrupt Your Student Loan, OR Can They?
What to Do When the Student Loan Repayment Ends in September 2023 and You Just Don’t Have the Money. Who is eligible?New AND former bankruptcy clients How We Use the Power of Bankruptcy Law to Reduce or Eliminate Your Student Loans Review/Recertification of Income...Wage Garnishment! Paycheck Garnishment! Now I Can’t Pay My Rent!
Paycheck Garnishment! What to Do When a Garnishment Hits You Like a Load of Bricks. I spoke with a client today who suddenly had her entire bank account totally emptied because of a garnishment from a lawsuit 15 years ago. She was in tears. Her rent is due in 10 days....Do You Qualify For An Exclusion From The Bankruptcy Means Test?
Exclusion From The Bankruptcy Means Test Some higher earning people may be concerned that the Chapter Seven bankruptcy Means Test would prevent them from getting protection from debts. The recently announced extension of the National Guard and Reservists Debt Relief...Holiday Spending Can Come at a High Cost
Holiday spending will come at a high cost if it means adding on additional credit card debt just as interest rates rise. With Credit Cards at 36% interest means you’ll spend 28 years paying off a $5,000 debt. We can use bankruptcy law to keep your property safe and...Who is the Chapter 13 Bankruptcy Trustee and What Does He Do?
What Does the Chapter 13 Bankruptcy Trustee Do? The job of a bankruptcy Trustee is to seize and sell your house, car and other property to pay your debts. It sounds scary, but we can use bankruptcy law to keep your property safe from the bankruptcy trustee AND make...Don’t Go to Jail for Back Child Support!
Don’t Go to Jail for Back Child Support We serve many hard-working people that pay their child support and love their kids. When good people have employment interruptions or illness, child support payments can fall behind.Unfortunately, here in Alabama Child Support...What is the Means Test? Can I pass it?
The Means Test is a Clumsy Attempt to Keep Rich People Out of Bankruptcy, Right? Well yes and no. That means test is a clumsy piece of legislation that is true. It is also true that rich people usually don’t file chapter 7 bankruptcy. It’s not easy to determine...What Is a Buy Now, Pay Later Service?
Buy Now, Pay Later (BNPL) Services for Groceries With food prices at historic highs, more consumers are turning to buy now, pay later services for their grocery purchases. Companies such as Klarna, Zip, Zilch, Affirm and Afterpay seem so convenient. Klarna reported...That Boyfriend from Twenty Years Ago Ruined My Credit Today
Case Study: That Boyfriend from Twenty Years Ago Ruined My Credit Today. The first call of the day was from a suburban mom. She was in tears after her paycheck was garnished from out of the blue. We talked for a while, and I explained all the legal protections of...Saving Your Home After the Death of a Husband
Case Study: Saving Your Home After the Death of a Husband I was able to help my client save her home after her husband passed away this spring. With the expenses of his last illness and burial, her fixed retirement income was not enough to pay the mortgage for several...Case Study: Stop Mortgage Foreclosure FAST!
Stop Mortgage Foreclosure FAST! Today we helped our client to save her home from mortgage foreclosure. When she called, there was a mortgage foreclosure scheduled on her home. Following an illness and missed work she reached out to the mortgage lender, but they didn’t...There’s a Good Chance That Americans’ Total Credit Card Balances Will Soon Reach a New Record High
Prices are rising and credit card balances are hitting record levels. Interest rates are moving up into the 18% APR range for folks with better credit ratings. Worse for the rest. Household debt is rising faster than inflation. Due to record high home values, credit...Life After Bankruptcy
Life After Bankruptcy Ok, it’s over. You have your Chapter 7 bankruptcy discharge from the Bankruptcy Court. What now? Do these seven things to tie up your loose ends and begin your fresh start the right way! Keep Keep your Discharge Order. Keep your...Government Stimulus Check: Don’t Believe the Hype!
So here’s what’s up: To Tenants: If the government says you don’t have to pay your rent and there’s a ban on evictions, you better do whatever you can to pay your rent. There will be major repercussions when evictions bans are lifted. Don’t think you’ll get a free...Am I Eligible To File Bankruptcy?
What Type of Bankruptcy Are You Eligible For? One of the common misconceptions about bankruptcy is that many people — high wage earners in particular — are not eligible. The truth is: everyone with debt problems is eligible to file bankruptcy. The question is what...Chapter 13 Bankruptcy Life Cycle
Chapter 13 Bankruptcy Life Cycle Alabama Bankruptcy Lawyer Knowing what you are getting into can make the idea of filing Chapter 13 bankruptcy much less intimidating. My name is attorney Brent W. Davis. I believe in taking the time to prepare you by educating you...Can One Spouse File For Bankruptcy?
Can One Spouse File For Bankruptcy? When married couples are in need of debt relief, there are many different approaches they can take to get it. When the possibility of filing for bankruptcy is considered, questions frequently arise about the best way to go about it:...Can I File More Than Once?
Can I File More Than Once? One of the more common misconceptions about bankruptcy is that a person is only able to file one time and then will never be allowed to file again. This is not true. While there are certain restrictions with regard to how frequently you are...Can I Keep My Retirement Savings?
Can I Keep My Retirement Savings? Many people end up exhausting their retirement savings in order to pay off debts such as hospital or credit card bills. A better solution may be to discharge the debt by filing bankruptcy. When you file bankruptcy, you can keep your...How Do I Stop A Bank Account Garnishment?
How Do I Stop A Bank Account Garnishment? When a creditor garnishes your bank account, it can create a financial nightmare. Your checks will bounce and you can no longer pay your bills. If you are in this situation, one way out is to file bankruptcy. I am Birmingham,...Can I Walk Away From A Foreclosed Home?
Walk Away From a Foreclosed Home? While you can walk away from a foreclosed home, you may not be able to walk away from tax problems arising from cancellation of debt income. The only sure way to avoid debt or tax consequences arising from a foreclosure or short sale...Brent W. Davis, L.L.C.
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Pelham, AL 35124
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