South Alabama Civil Lawyers
Debt problems rarely happen all at once and are rarely anticipated. Sometimes a law suit creates an unexpected financial burden. Sometimes the cost of divorce and resulting support payments cause financial strain. Sometimes an accident or illness leaves you suddenly unable to do something you have always been able to do - work and make a living. Sometimes personal finance challenges can catch inexperienced households unaware, and leave crippling debt in their wake.
Likewise, careful planning does not always result in sound finances or fair dealing. Many mortgage holders have recently learned that their financing terms allow for fast-rising interest rates and high fees. Escrow accounts can balloon mysteriously, and fees for unexplained or unreceived services can appear on mortgage statements.
Experienced Bankruptcy, Consumer Protection, Social Security, and Probate Law Legal Services.
The attorneys of the law firm of Espy, Metcalf & Espy P.C. focus their practice solely on areas that damage their clients' finances, income, and business dealings. We believe that, by helping our clients manage these matters, they are freed to enjoy other things.
Bankruptcy Law: When debts go unpaid, problems can come from all directions, including law suits, repossession, bill collector harassment, tax issues, and wage garnishment. Once these problems begin, it is hard to return to financial health without assistance.
Our clients often fear loss of property and other possessions due to unmanageable debt. We can often use bankruptcy law to eliminate your responsibility for debt or to arrange a payment plan you can afford, allowing you a return to peace of mind, and often enabling you to retain all your property.
Consumer Protection Law: Dishonest and negligent businesses can cause a stunning array of problems to responsible and trusting consumers. Many people are victimized by inaccurate or misleading credit scores issued by the major credit reporting agencies. Others are misled as to the true cost of interest when buying a house or car, which can lead to threats of foreclosure. Others pay fraudulent monthly fees added to their mortgage statements, or are overcharged for payday loans. Consumers also encounter with alarming frequency unfair debt collection practices such as creditor harassment and related threats of repossession or wage garnishment.
Social Security Law: Many people seeking Social Security disability benefits are ill or disabled and unable to earn an income and pay medical bills. Social Security disability procedures take time, which our clients often cannot afford, and require mobility that our clients often don't have.
We can work to help you obtain the Social Security disability benefits you deserve and have paid for. We can file your paperwork, represent you at your determination hearing, and fight for your rights.
Probate Law: Probate law involves the handling and preparation of finances in the event of death. Our probate work is an extension of our debt relief and debt management services. We transfer property, liquidate and distribute assets, handle final affairs of solvent and insolvent estates, and prepare probate documents, including wills, trusts, and powers of attorney.
Contact Us
Don't lose hope of a solution for your debt and consumer fraud problems. We can work with you to move past seemingly insurmountable financial challenges, so that you can return to the life and dreams you knew. We have worked with thousands of people from Alabama and Florida, with experience, compassion, and skill. To save your home, save your business, or just to save your sanity, Contact us at 334-793-6288, or toll free at 1-800-310-4020. We offer a free initial consultation to clients.
Espy, Metcalf & Espy P.C.
326 North Oates St.
Dothan, AL 36303
Phone: 334-793-6288
Toll free 1-800-310-4020
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.