Top Clanton, AL Chapter 13 Bankruptcy Lawyers Near You
420 20th Street North, Suite 2300, Birmingham, AL 35203
1500 Urban Center Drive, Suite 450, Vestavia Hills, AL 35242
One Federal Place, Ste. 1000, 1819 Fifth Avenue North, Birmingham, AL 35203
420 North 20th Street, Suite 3400, Birmingham, AL 35203
1904 1st Ave N, Suite 300, Birmingham, AL 35203
3590-B Pelham Pkwy, Suite 254, Pelham, AL 35124
505 20th Street N, Suite 1450, Birmingham, AL 35203-4635
2311 Highland Avenue South, Suite 500, Birmingham, AL 35205
420 North 20th Street, Suite 2200, Birmingham, AL 35203
Chapter 13 Bankruptcy Lawyers | Serving Clanton, AL
1901 6th Ave North, Suite 2600, Birmingham, AL 35203
100 Corporate Pkwy, One Lake Level, Birmingham, AL 35242
2001 Park Place North, Suite 870, Birmingham, AL 35203
300 Richard Arrington Jr. Blvd. N, Suite 503, Birmingham, AL 35203
2001 Park Place, Suite 1300, Birmingham, AL 35203
1032 26th St. S, P.O. Box 55147, Birmingham, AL 35255-5147
2100 Southbridge Pkwy, Suite 660, Birmingham, AL 35209
1801 5th Avenue North, Suite 400, Birmingham, AL 35203
109 North 20th Street, 4th Floor, PO Box 11405, Birmingham, AL 35203-1405
1819 5th Avenue North, One Federal Place, Birmingham, AL 35203-2119
505 North 20th Street, Suite 1800, Birmingham, AL 35203
15 Southlake Lane, Ste 140, Birmingham, AL 35244
600 Luckie Dr, Suite 415, Birmingham, AL 35223
2019 3rd Avenue North, Birmingham, AL 35203
1710 6th Avenue North, Birmingham, AL 35203
2067 Columbiana Rd, Vestavia, AL 35216-2139
Clanton Chapter 13 Bankruptcy Information
Lead Counsel Verified Attorneys in Clanton
Lead Counsel independently verifies Chapter 13 Bankruptcy attorneys in Clanton and checks their standing with Alabama bar associations.
Our Verification Process and Criteria
Ample Experience
Attorneys must meet stringent qualifications and prove they practice in the area of law they’re verified in.
Good Standing
Be in good standing with their bar associations and maintain a clean disciplinary record.
Annual Review
Submit to an annual review to retain their Lead Counsel Verified status.
Client Commitment
Pledge to follow the highest quality client service and ethical standards.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy reorganizes your debts with a repayment plan to help you get a new start. Chapter 13 is known as a “wage earner’s bankruptcy,” where you use your income and assets to make payments over three to five years under the payment plan. Chapter 13 filing puts a stop to collection actions, including foreclosure. After making the necessary payments, your dischargeable debts are cleared.
What Are Some Examples of Situations Where I Might Need a Chapter 13 Bankruptcy Lawyer?
Many people struggle to decide between filing a Chapter 13 or Chapter 7 bankruptcy filing. A Chapter 13 filing may be more beneficial for you if you:
- Are employed and earning money
- Own a home but are behind on mortgage payments
- Earn too much income to qualify for a Chapter 7 filing
- Want to hold onto more of your most valuable assets, like a business
How Can a Lawyer Help Me With Bankruptcy?
An experienced bankruptcy lawyer can give you the knowledge and backing you need to navigate the legal system and find the best possible results for you. Because laws regarding bankruptcy exemptions and the property you can keep vary from state to state, speaking with a lawyer near you with knowledge of Illinois’s laws is critical in understanding your situation and making the best decisions. A bankruptcy lawyer can help with:
- Legal advice and counsel
- Negotiating with creditors
- Filing legal motions and taking care of administrative duties
- Improving your chances of keeping your assets and getting everything settled favorably
What Could Happen if I Don’t Hire a Bankruptcy Lawyer?
Not hiring a bankruptcy lawyer can lead to costly errors and prolonged financial stress. If you don’t hire a bankruptcy lawyer, you might make mistakes in the bankruptcy process. These mistakes could lead to your case being dismissed. Without a lawyer’s guidance, you could miss out on important protections, such as stopping creditor harassment or preventing foreclosure. You might also choose the wrong type of bankruptcy, resulting in more financial trouble. Handling bankruptcy alone increases the risk of losing assets you could have kept and wanted to keep. Additionally, you may struggle to negotiate with creditors without a lawyer. This makes it harder to achieve a manageable debt repayment plan or discharge.
What Questions Should I Ask When Trying To Find a Bankruptcy Lawyer in Chicago?
These questions can help you decide if you feel confident that a lawyer has the qualifications, experience, and ability to manage your case well. Many lawyers offer free consultations that allow you to understand your options and get specific legal advice before hiring them. Top questions include:
- What is your experience in handling bankruptcy cases? Have you managed cases like mine? What was the outcome of these cases?
- Do you have experience resolving issues like this in Illinois?
- What is your approach to handling bankruptcy cases?
- What is your record in negotiating favorable debt repayment plans?
- How do you communicate with clients about the progress of their cases?
- How much input will I have about the case strategy?
- What are your fees and billing structure?
Tips for Hiring a Bankruptcy Lawyer
Finding a lawyer who is right for you and will represent your best interests is an important first step in protecting your rights. Find a lawyer who understands your case, knows your needs and goals, and has the experience to get the best outcome. Things to do:
- Ask for recommendations
- Research lawyers online
- Schedule consultations
- Review experience and expertise
- Talk about billing and fees
- Trust your instincts