Bankruptcy

If you are struggling financially and are looking for quality legal advice, you have found the right bankruptcy law firm and the right website to learn your rights.  Debt problems come in many forms.  For some people, unforeseen circumstances, such as divorce, illness, injury or job loss have caused extreme financial stress.  For others, debt problems may be the result of overspending and poor financial choices.  No matter what the reason, help is available through the law offices of AltCourt. If you are overwhelmed with unsecured debt such as credit cards, medical bills, personal loan and utility bills, then Chapter 7 bankruptcy is usually the best option to change your financial picture.  There are certain asset and income limitations and not every type of debt is eliminated through Chapter 7.  However, for the majority of individuals who earn less than the Gulf Coast median and have minimal assets, Chapter 7 provides the most relief.   If on the other hand you are someone with significant non-exempt assets and have the ability to repay either all or a portion of your debt over time, then Chapter 13 is the best choice to reorganize your debt.  The most common use of Chapter 13 is to save a home that is in foreclosure.   You are able to repay the mortgage arrears over a three to five year period while being allowed to make your current mortgage payment once again.  Chapter 13 will stop a foreclosure, provided there has not been a prior sheriff sale or auction date and will force the mortgage company to accept current payments once again.   In 99% of all situations, there is a solution and a way to financial relief through bankruptcy.  The attorney or law firm that you hire is the most important decision that your face.  The right attorney can advise you as to what Chapter is best and can guide you through the process from start to finish.  The AltCourt Attorneys have been helping individuals and families gain control of their debt with sound advice, a caring heart and a compassionate soul.

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Call us at 251-421-2398 or use our contact form.