Brent W. Davis & Associates

Bankruptcy and Foreclosure Attorney

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    • Attorney Profile
    • Brent W. Davis
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    • 5 Events That Can Lead to Bankruptcy
    • Chapter 7 Bankruptcy
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    • Personal Bankruptcy
    • Chapter 13 Bankruptcy
    • Avoid Foreclosure & Keep Your Home
    • Adjustable Rate Mortgages
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  • Tips from Brent
    • Keep your Home
    • Reorganize your Debts
    • Protection from Creditors
  • Contact Us
    • Brent W. Davis & Associates, LLC
    • Brent W. Davis & Associates, LLC, Birmingham, AL

Free Consultation: Call (205) 989-1919

  • Home
  • Firm
    • Attorney Profile
    • Brent W. Davis
  • Practice
    • 5 Events That Can Lead to Bankruptcy
    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy
    • Divorce & Bankruptcy
    • Foreclosure Alternatives
    • Personal Bankruptcy
    • Chapter 13 Bankruptcy
    • Avoid Foreclosure & Keep Your Home
    • Adjustable Rate Mortgages
    • Collections/Creditor Harassment
    • Credit Card Debt
    • IRS/Student Loans
    • Truth in Lending Act
    • Social Security & Disability
  • Tips from Brent
    • Keep your Home
    • Reorganize your Debts
    • Protection from Creditors
  • Contact Us
    • Brent W. Davis & Associates, LLC
    • Brent W. Davis & Associates, LLC, Birmingham, AL

Keep your Home

Should Grandma file Bankruptcy?

August 20, 2011 By admin

Many of us hope to leave our family homestead and heirlooms to our children.  The problem these days is that there may be so much debt that creditors would take it all! Bankruptcy can prevent liens and judgments against the title to the home and preserve equity that can be passed on to our loved ones. 

When considering an estate plan or a last will and testament, it is wise to consult a Wills and Estates lawyer AND an experienced Bankruptcy lawyer, if the estate would be overburdened with debt.  Planning now can preserve your gifts to your family later.

 

Filed Under: Keep your Home, Protection from Creditors

Lien Stripping in Bankruptcy…Can it be done?

July 24, 2011 By admin

Last Friday I attended a useful and scholarly Continuing Legal Education seminar hosted by the Birmingham Bar Assoc. Local attorney Robert C. Keller spoke for an hour on Automatic Stay Violations and on Lien Stripping in Chapter 13. He did a good job of making the topics clear and relevant to consumer bankruptcy practice. His materials were well researched. I will be scanning it into the research folder.

Filed Under: Keep your Home, Reorganize your Debts

Missed mortgage payments

July 12, 2011 By admin

When missed mortgage payments grow out of control, the home can be saved if a chapter 13 Federal Court protected repayment plan is filed BEFORE the foreclosure sale is held. This will also protect the homeowner from other creditors and restructure those debts.

Once you are protected by chapter 13, be aware that your mortgage escrow payments may rise temporarily, so that the taxes can be caught up. All letters from the mortgage company or from the Court should be opened as soon as they come in the mail because the time to act can be very short.

Brent will meet with you personally at your free consultation.

Consult Brent

Filed Under: Keep your Home

Foreclosure – how to avoid it

July 6, 2011 By admin

You have the power to stand up to the big mortgage companies.  

Did you know that the Founding Fathers of the United States of America specifically wrote your bankruptcy protections into our Constitution more than 230 years ago?  It’s true.  You can use a Federal Court protected debt repayment plan to stop home foreclosure, pay back what is behind on your mortgage, keep your car and other assets.  

Filed Under: Keep your Home

     
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Bankruptcy FAQ

Chapter 13 Info Center

New Location

Birmingham
Indian Springs Village

Brent W. Davis & Associates, LLC
2473 Valleydale Road, Suite B
Indian Springs Village AL 35244-2017

Phone: (205) 989-1919

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Mailing Address:

Post Office Box 1808
Pelham  AL 35124-5808

Brent W. Davis, L.L.C. serves clients throughout Alabama, including Birmingham, Pelham, Columbiana, Helena, Hoover, Oneonta, Bessemer, Mountain Brook, Alabaster, Calera, Springville, Remlap, Montevallo, Chelsea, Harpersville, Inverness, Jefferson County, Blount County, and Shelby County.

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