James K. Lambert Attorney at Law
James K. Lambert is a Fairhope Alabama Attorney who practices in the areas of Bankruptcy (Chapter 7 and Chapter 13), DUI and Drug Offenses, Uncontested Divorce and Modifications, Wills, Estates, and Probate, and Personal Injury. Mr. Lambert serves all of Baldwin County and Mobile County. Call today for a free consultation. 251-928-5595
James K. Lambert Attorney at Law
James K. Lambert is a Fairhope Alabama Attorney who practices in the areas of Bankruptcy (Chapter 7 and Chapter 13), DUI and Drug Offenses, Uncontested Divorce and Modifications, Wills, Estates, and Probate, and Personal Injury. Mr. Lambert serves all of Baldwin County and Mobile County. Call today for a free consultation. 251-928-5595
Bond Botes Sykstus Tanner & Ezzell PC
Bond, Botes, Sykstus, Tanner & Ezzell P.C. is a experienced bankruptcy, debt relief, and social security disability law firm serving Huntsville, AL and the surrounding areas. Dealing with financial problems is never something should have to deal with. Luckily, when it does occur the attorneys at Bond & Botes are here to help walk you through the process.
Bond Botes Sykstus Tanner & McNutt PC
Bond Botes Sykstus Tanner & McNutt PC are experienced bankruptcy, social security, and debt relief attorneys in Florence, AL. Our dedicated and caring attorneys take pride in easing the stress related with financial problems. Call our attorneys today to discuss your financial situation.
Bond, Botes & Handy, P.C.
The bankruptcy attorneys at Bond, Botes & Handy, P.C. are experienced and caring when handling your financial matters. Our attorneys will be there with you every step of the way as we go through this difficult process. Contact our attorneys today for a free consultation of your financial issues.
Bond, Botes & Handy, P.C.
Bond, Botes, & Handy PC is a Gadsden, AL bankruptcy and financial services law firm. We offer every potential client a FREE face-to-face consultation with an experienced bankruptcy attorney. If you need debt relief, the law is there to help you. And so are the attorneys at Bond & Botes.
Dezenberg & Smith, Attorneys At Law
Overwhelming debt can happen to anyone. Medical bills, credit card debt and loans can snowball, especially if an unexpected financial crisis arises. At Dezenberg & Smith, Attorneys At Law we know that bad things happen to good people. Debt does not make you a bad person. It just means you are in a bad situation. Our Huntsville Bankruptcy Lawyers have…
Gina H McDonald & Associates
Gina H. McDonald & Associates offer comprehensive bankruptcy services and guidance through the Debtors Court process. The sooner you call our offices, the sooner we can help you get on the road to debt relief. Nothing is more stressful than trying to pay off a debt that you know you can not afford. Our associates will listen to your concerns,…
Russo White & Keller, P.C.
The lawyers at Russo, White & Keller P.C. have over 50 years of combined legal experience serving residents across the State of Alabama. When you hire our firm, you are not just hiring one lawyer, you're hiring all of the lawyers in our firm. Effective attorneys don't just know the law; they understand it. For that reason, we work zealously…
James E. Cox
Let attorney James E. Cox of Auburn, Alabama be by your side when you need representation throughout any divorce, bankruptcy or DUI case and know you are working with a full-service law firm that cares.
Beason Law Group, P.C.
Professional attorneys representing both individuals and small businesses. We provide assistance with loan modifications, bankruptcy filings and all other issues related to consumer and business debt.
Buntin Etheredge & Dowling LLC
The firm of Buntin, Etheredge & Dowling, L.L.C. practices in all federal and state courts throughout Alabama and Florida. The firm concentrates heavily in civil litigation on the plaintiffs side.
Ronald E Boackle
We find the best solutions for our customers who are experiencing financial problems or problems with their debts.
S. Scott Allums, PC
Attorney S. Scott Allums, P.C. assists residents and businesses in Jefferson, Tuscaloosa, Shelby, Bibb, Walker, and Blount counties with all their bankruptcy needs. We provide personalized care and comprehensive services for clients seeking help with: Chapter 7 bankruptcy Chapter 13 bankruptcy (debtors court) Repossessions Foreclosures Garnishments
Stephen L. Klimjack, LLC
Alabama bankruptcy lawyer Stephen L. Klimjack will review your financial situation and determine the best kind of bankruptcy that suits your needs.
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Basic Difference Between Bankruptcy Lawyer and Debt Settlement Attorney
While it's common that a bankruptcy attorney is also well-qualified to act as a debt settlement attorney, you should understand an important distinction between the two legal means of resolving debts.
A debt settlement attorney will represent you with your creditors to negotiate a workable payment plan, and perhaps even negotiate a reduction in the total amount you owe. However, the debt settlement attorney will work separately with each creditor. In addition, the creditors aren't obligated to sit down at the table with your debt settlement attorney.
In contrast, if you file for bankruptcy, your bankruptcy lawyer represents your interests before the bankruptcy court. The bankruptcy court does have the power to compel your creditors to participate in the proceeding. You've now centralized all claims against you into a single proceeding. Your bankruptcy lawyer will still be negotiating with your creditors, but now under the supervision of the bankruptcy court.
A challenge to filing for bankruptcy is that it can have legal implications beyond the bankruptcy proceeding itself and is a matter of public record. You may find it preferable for a debt settlement attorney to help you resolve your debt issues privately, especially if you have only one or two major creditors.
A bankruptcy attorney can help advise you whether filing for bankruptcy or working privately is the right option for you.
Sources of Bankruptcy Law
The main bankruptcy laws in the United States are federal laws. If you do file for bankruptcy, you'll be filing in a federal bankruptcy court. A bankruptcy attorney must be admitted to practice in the federal court district where you're located in order to represent you in the bankruptcy court.
In addition, each state does have its own laws that can impact your case, such as homestead exemption laws that determine how you can protect your home during the bankruptcy process.
Basic Bankruptcy Law
The Bankruptcy Code is commonly known by its various chapters, such as Chapter 7 or Chapter 13. Simply put, the chapter under which your bankruptcy lawyer will recommend you file will depend on whether you're filing as an individual or a legal entity. The chapter selection will also depend on whether you want to liquidate your assets to pay off your debts or reorganize your debts into a single payment plan.
Each chapter has its own requirements, so you might only be eligible for one type of bankruptcy. Your bankruptcy lawyer will help determine which chapters are available to you.
The goal of the bankruptcy proceeding is to offer you a fresh start once it's over. This doesn't mean you can avoid paying your debts through bankruptcy, only that your bankruptcy attorney will help you negotiate a manageable resolution.
