Experienced Birmingham Area Bankruptcy Attorney
Honest Advice and Protective Advocacy From a Knowledgeable Debt Relief Lawyer
At Brent W. Davis, L.L.C., in Birmingham, Alabama, our law practice focuses on debt relief, including filing bankruptcy petitions and helping homeowners prevent foreclosure.
Personal Bankruptcy: Chapter 7 and Chapter 13
Chapter 7 bankruptcy petitions are the core of our personal bankruptcy practice. If your goal is to eliminate your debt and have a fresh start, then filing Chapter 7 bankruptcy may be your best option. However, if you have massive debts, and do not want to lose assets like your car or house, Chapter 13 may be your best option.
If you are considering bankruptcy, you are not alone. Many unplanned life events can lead to financial crisis. Read more about five of the most common sources of financial crisis, including divorce and medical emergencies.
Foreclosure, Foreclosure Alternatives and Mortgage Problems
Are you threatened with foreclosure? Not everyone who gets behind on their house payment is a deadbeat refusing to pay his or her bills. There are several scenarios in which generally hard-working, bill-paying individuals become unable to keep up with their mortgage payments. Regardless of your situation, we can help you understand your options to stop foreclosure and keep your house, as well as several foreclosure alternatives.
One frequent cause of mortgage-related financial crisis is adjustable rate mortgages (ARM). These mortgages usually start with low payments of only interest or low interest. As the ARM adjusts, your monthly payment can skyrocket and you may find yourself in a situation where you cannot afford your mortgage payment. Our firm will help you protect your home.
Our law firm also works with the Truth in Lending Act, which requires lenders to clearly specify the terms of a loan and how much the credit transaction will actually cost. Many lenders sell financial products that include insurance and payment protection. Many times, those “products” are fraudulent and what the consumer is buying is something completely worthless. If a fraudulent mortgage transaction has forced you into financial crisis, we can help.
Business Bankruptcy: Reorganize Debt and Protect Personal Assets
Like individuals, small businesses can fall prey to excessive and unmanageable debt. Business bankruptcy allows you to reorganize debt or helps you close down a business that is no longer profitable. Chapter 7 is available for businesses such as partnerships, corporations, and other entities. Chapter 13 is not an option for corporations or partnerships, but individuals who are self-employed or who run unincorporated businesses are eligible for Chapter 13.
Social Security Disability Insurance: Appeals of Denied Claims
If you have been denied your rightful Social Security Disability benefits, we can help you with the appeals process. Many times, people just give up after the initial decision and do not realize that an attorney experienced in this area can help.
Contact Brent W. Davis, L.L.C.
For more information or to schedule an appointment regarding Chapter 7, Chapter 13, or other bankruptcy issues, please contact us.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.