South Alabama Bankruptcy Law Attorneys
Many people avoid the thought of bankruptcy due to the confusion and emotion it can involve. This is understandable. Bankruptcy law is complex, creditors can be intimidating, and there is comfort in staying with a known course, whatever the cost.
Bankruptcy, however, is often the best option for people in unmanageable financial situations. Bankruptcy law was established to help people return to a healthy financial state in an orderly and efficient way, with minimal problems for both the person engaged in bankruptcy and his or her creditors.
If You Are Considering Bankruptcy, We Can Help You Understand Your Options.
The road leading to bankruptcy is often painful. Purchases can be repossessed. Creditor harassment tactics can purposefully embarrass you. Credit can be denied and your wages can be garnished at work. The experience of insolvency can be made worse if it follows a divorce, accident, illness, lawsuit, struggling business, or other unexpected event.
Our goal is to free you from the overwhelming burden of debt. We can work with the courts and your creditors to lower your monthly payments to a point where you can live on what you bring home and pay down your remaining debt.
The new bankruptcy Chapter 7 and 13 laws of 2005 will not prevent you from filing for and benefiting from bankruptcy protection. Debt consolidation and other methods are still available. You can still obtain protection from debt, aggressive creditors, wage garnishment, and other problems.
Bring us your collection notices, unpaid bill statements, or forclosure notices. If you have them available, please bring the following to your free initial consultation:
- Pay stubs
- Last years tax return
- Loan documents for your house or car
- Recent credit report; free at www.annualcreditreport.com
For more information about bankruptcy, see our Bankruptcy Overview page.
Contact Us
The law has anticipated your problems. There are bankruptcy plans specifically for wage earners, farmers, and even fishermen. We are skilled in working with the bankruptcy laws of Alabama and Florida, and have helped thousands of people in both states reclaim their lives from debt. Doing so enables them to return to the business of caring for their families and property, and focusing on their businesses, careers, and lives. Contact us at 334-793-6288, or toll free at 1-800-310-4020 to speak to an attorney with answers regarding bankruptcy relief. 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.