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Bankruptcy Answers for Alabama

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...

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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...

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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 lawyer's contact...

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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...

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This is the Era of Do-It-Yourselfers.

Do-It-Yourself Bankruptcy? This is the era of Do-It-Yourselfers.    Spend a few hours on Google, download the official bankruptcy forms, and you can file your own bankruptcy or Chapter 13!  What could possibly go wrong? Tomorrow, December 1, 2015 NEW bankruptcy forms...

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Alabama Payday Lending Tops $120M in Two Months

In a break from tradition, instead of a blog entry essay, I am reproducing the entire article from www.collectionscreditrisk.com  that can be found here: alabama-payday-lending-tops-in-two-months I could not say it better myself.   Payday loans are the scourge of the...

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Bad Loans Remain Well Above Precrisis Levels

Bad Loans Remain Well Above Precrisis Levels Even though unemployment is shrinking, wages have fallen over the past seven years since the Great Recession of 2007.  Banks are struggling to make new loans to a smaller pool of high credit rating holders.  The bad debts...

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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...

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Fair Consumer Reporting in Bankruptcy Act of 2015.

Fair Consumer Reporting in Bankruptcy Act of 2015. Creditors can prevent you from getting your fresh start after your Bankruptcy has ended if hey fail to report the debt to the Credit Reporting Agencies as zero and bankrupt.  It happens more than it should. This...

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How to Tell When Bankruptcy Makes Sense For You.

Does Bankruptcy Make Sense For You? It's a good question.  Over the past 23 years representing Chapter 7 and Chapter 13 bankruptcy clients have told me how they knew it was time to get protection from debt.  There are five ways most people know. 1.  Age and...

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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:...

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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...

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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...

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Can I Afford To File Bankruptcy?

Can I Afford To File Bankruptcy? Many people put off filing bankruptcy because they think they can’t afford it. In reality, if you are making minimum payments on credit cards just to kick the can down the road, you are probably spending good money after bad....

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Will My Neighbors Know?

Will my neighbors know that I have filed for Chapter 7 Bankruptcy? Not unless you tell them. No one puts a sign in your yard. Not even your mother will know. Bankruptcies are public record, but someone would have to look at your credit report or search the Courthouse...

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Brent W. Davis, L.L.C.

New Address:
2166 Pelham Parkway,
Pelham, AL 35124

Phone: (205) 989-1919

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Available 7am - 9pm

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Birmingham Bankruptcy Attorney