Many Alabamans are struggling with debt due to unprecedented financial challenges this year. Fortunately, there are legal options for debt relief, such as a Chapter 7 bankruptcy, that can offer much needed help. What is Chapter 7 bankruptcy? Chapter 7 bankruptcy is...

When Alabama residents get to the point where they are considering bankruptcy as an option to address their debt, they have usually considered all other options. Although household budget adjustments or debt consolidation plans can sometimes be enough to get debt...

Financial struggles can be difficult for Mobile residents to overcome on their own. When they cannot work to reduce their debts and feel stuck with bills they cannot pay, it may be time to talk to professionals who understand legal and effective methods of debt...

If you’re considering bankruptcy, then it’s important for you to know about exemptions. Exemptions are given for certain assets during a bankruptcy so that you don’t have to give up everything you own just to repay your creditors. Using exemptions cautiously, you may...

The longer you go without paying off a debt or without at least making a monthly payment, the more likely it is that the company involved is going to take more aggressive collection action against you. If you have already been subject to letters and phone calls, it's...

You were living a little bit above your means, but you loved the idea of being able to get the things you wanted without having to wait. You took out too many credit cards and used them until they were maxed out. You had a good job, so you knew that you could pay off...

You have been struggling with your finances for a while as a result of losing a job and depleting your savings. You want to get back on track, but even with your new job, you don’t earn as much as you used to. You’ve seen ads for bankruptcy support as well as...

With the economy in flux, you may be worried about paying your bills. It’s totally understandable, and it’s something that you may have already been dealing with for a long time. The added stress of everything going on may make you want to finally take steps to...

When you file for chapter 7 bankruptcy protections, you likely have already completed the means test and established that your adjusted current income is at or below the state median. Those with a higher income may not qualify for Chapter 7 or liquidation bankruptcy....

The monetary pressures on your life are already overwhelming and it only takes a month or two of bad luck, car problems, medical bills or something else to put you in a financial hole you can’t hope to escape. Bankruptcy seems like your only option -- but you’re...