Student Loans and Your FHA Mortgage: Don't Let Delinquency Derail Your Mortgage Loss Mitigation For many American homeowners, navigating the complexities of their mortgage and other debts can feel like a high-wire act. This is especially true when student loan debt...
Bankruptcy Answers for Alabama
Chapter 7 or Chapter 13 in Alabama?
Chapter 7 or Chapter 13 in Alabama? Find the Right Bankruptcy Path for Your Family's Fresh Start When you're exploring solutions to overwhelming debt, like persistent credit card balances or the struggle to keep up with vehicle payments, you'll likely encounter two...
Debunking Common Alabama Bankruptcy Myths
"I Heard That..." – Debunking Common Alabama Bankruptcy Myths So You Can Make Informed Choices When you're facing what feels like a mountain of debt – perhaps from high-interest credit cards or overwhelming vehicle loans – and you're working tirelessly to keep your...
Automatic Stay in Alabama
Finding Your Breath: How the Automatic Stay in Alabama Offers Immediate Protection from Creditors The phone rings, and your heart sinks. Another creditor? The mounting pressure of calls, the worry about your car, the struggle to manage household needs while juggling...
Rebuilding Your Credit After Bankruptcy
Rebuilding Your Credit Are you feeling overwhelmed by financial stress? The constant calls, mounting bills, and seemingly impossible debt can be crushing. For many, bankruptcy offers a necessary path to a fresh start. A primary concern is often, "What will this do to...
How to Choose the Right Bankruptcy Attorney in Birmingham
Navigating Financial Storms: How to Choose the Right Bankruptcy Attorney in Birmingham Financial hardship can feel like a relentless storm, leaving you overwhelmed and uncertain about the future. If you're facing mounting debt in Birmingham, Alabama, bankruptcy might...
Understanding Chapter 7 vs. Chapter 13: Which is Right for You?
Understanding Chapter 7 vs. Chapter 13: Which is Right for You? Feeling overwhelmed by debt? You’re not alone. Many individuals find themselves struggling under the weight of financial burdens, unsure of where to turn. If you're exploring bankruptcy as a potential...
What Will Happen to My Property During Bankruptcy?
Understanding Exemptions and Retention in Birmingham, Alabama When facing financial hardships, many people consider filing for bankruptcy as a way to regain control over their finances. However, one of the most common concerns potential clients have is, "What will...
From Rock Bottom to Rising Up
How Chapter 7 Bankruptcy Can Pave the Way to Credit Repair Facing overwhelming debt can feel like being trapped in a deep hole, and a damaged credit score often makes it even harder to climb out. Many people mistakenly believe that bankruptcy will permanently ruin...
How Will Bankruptcy Affect My Credit?
Understanding the Impact and Rebuilding Your Financial Future Filing for bankruptcy is a significant financial decision, and one of the primary concerns for many people is how it will affect their credit. Bankruptcy can have a lasting impact on your credit score, but...
How Long Does Bankruptcy Actually Take?
The Bankruptcy Timeline Feeling overwhelmed by debt? Bankruptcy might seem like a daunting process, but understanding the timeline can help ease your mind. Let's break it down: Chapter 7 (Liquidation): Generally the faster option, Chapter 7 typically takes 3-6 months...
Chapter 13 and Chapter 7: What Documents Do You Need?
What Documents Do You Need? Before diving into the documents required, it's important to understand the differences between Chapter 7 and Chapter 13 bankruptcy: Chapter 7 Bankruptcy: Often referred to as "liquidation bankruptcy," Chapter 7 involves selling non-exempt...
Facing Foreclosure? Bankruptcy May Be Your Best Option to Save Your Home
Facing Foreclosure? Are you an Alabama homeowner who is at risk of foreclosure? If so, you may have more options than you realize to avoid losing your home. One powerful tool that can help stop foreclosure proceedings is Chapter 13 bankruptcy. Chapter 13 Bankruptcy...
Chapter 7 Bankruptcy: Your Fresh Start in Alabama
Chapter 7 Bankruptcy: Your Fresh Start in Alabama Feeling overwhelmed by debt? Struggling to keep up with payments? Chapter 7 bankruptcy might be your solution to financial freedom. Let's break down how it works and what it means for you in Alabama. What is Chapter 7...
Breaking Free from Medical Debt: You’re Not Alone
Breaking Free from Medical Debt: You're Not Alone A mountain of medical bills can feel overwhelming, but there's hope and help available. Did you know that medical debt is the leading cause of bankruptcy in America? You might be surprised to learn that nearly 2/3 of...
Your Friendly Neighborhood Bankruptcy Lawyers
Brent W. Davis and Associates LLC Makes House Calls*...
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...
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...
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...
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 and a...
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...
What Happens if I Fail the Means Test in Chapter 7 Bankruptcy?
What Happens if I Fail the Means Test ? The bankruptcy means test analyzes your income to determine whether or not you are eligible to file Chapter 7 bankruptcy. Consisting of two steps, the means test is used to determine if you have sufficient disposable income to...
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...
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...
Brent W. Davis, L.L.C.
New Address:
2166 Pelham Parkway,
Pelham, AL 35124
Phone: (205) 989-1919
Available 7am - 9pm