South Alabama Civil Lawyers
Life will always offer the unexpected, and no amount of planning can guard against every possibility. Debt issues can arise from any number of unforeseen problems, from floods and car accidents to divorce and job loss. Exciting and promising purchases can cause an avalanche of problems if financing was poorly explained, or if a property or item was defective or poorly built. And the Social Security benefits you have paid for your entire life are of no help in a time of need if your claim for benefits is denied.
Bankruptcy Law, Consumer Protection, and Social Security Disability Benefits. We Can Help When Your Need Is Greatest.
At the law firm of Espy, Metcalf & Espy P.C. we focus our business exclusively on legal areas that offer people help when life becomes unmanageable. Debt problems can cause almost constant anxiety to people with high debt levels. Victims of fraud and unfair wage garnishment can unjustly lose large amounts of money, often to the point of financial crisis or insolvency. And Social Security should help people who can't work or work as much as they once could; it should not cause additional problems at a difficult time.
We have investigated, researched, and offered remedies to these problems and more for over 46 combined years, and know what to do to minimize your problems and maximize available solutions. The law offers many protections, including effective bankruptcy protection that is still almost completely intact even after the 2005 bankruptcy law revisions. Protections include:
- Chapters 7, 11,12 and 13 under bankruptcy law
- Home Ownership and Equity Protection Act ("HOEPA")
- Fair Debt Collection Practice Act ("FDCPA")
- Truth in Lending laws ("TILA")
- Real Estate Settlement Procedures Act ("RESPA")
- Fair Credit Reporting Act ("FCRA")
The law does not leave you stranded. If you have a problem, ranging from payday loan and check-cashing problems to abusive mortgage tactics, bankruptcy laws and others can provide justice and relief.
Contact Us
Regardless of the cause of you current debt or consumer fraud problems, chances are the law offers solutions that will remove or dramatically reduce them. We have helped thousands of people throughout southern Alabama, reclaim their lives from crippling debt, consumer fraud, and their effects. Contact experienced attorney for a free initial consultation at 334-793-6288 or toll free at 1-866-840-5397 .
Espy, Metcalf & Espy P.C.
326 North Oates St.
Dothan, AL 36303
Phone: 334-793-6288
Toll free 1-866-840-5397
Fax: 334-712-1617
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.
