Discharging Debt Through Chapter 7 Bankruptcy

For some Alabama consumers facing overwhelming debt, Chapter 7 is the best choice for them to be able to secure a fresh start. While filing for bankruptcy may not be your first choice, bankruptcy may offer you an effective and organized way by which you deal with your debt once and for all. When you turn to the experienced bankruptcy attorney at A. Cooper Attorney at Law LLC, you will receive knowledgeable and straightforward guidance regarding your options.

A Fresh Start

Our goal is to help each individual client lay the foundation for a strong financial future. For you, this may include discharging your debt through a Chapter 7 filing. Angela Cooper focuses on protecting your future, and she will ensure you get every benefit available to you while under bankruptcy protection. We work for meaningful long-term solutions that suit your needs and goals.

What Happens During Bankruptcy?

There are specific eligibility requirements you must meet in order to file for Chapter 7 bankruptcy. This chapter of bankruptcy is for individuals who do not earn enough income to make payments and for those who owe a substantial amount of unsecured debt. During the Chapter 7 bankruptcy process, the following will happen:

  • Automatic stay – Upon filing, the automatic stay will go into effect. This means that all contact from creditors and debt collectors must halt. They will now have to go through your attorney, relieving you from creditor harassment.
  • Liquidation of certain assets – Chapter 7 is sometimes referred to as liquidation bankruptcy. However, bankruptcy laws allow for certain exemptions, which means you will likely be able to keep much of your important property such as your car, home and other assets.
  • Discharge of debts – Ultimately, Chapter 7 will result in a discharge of most of your remaining unsecured debts. This releases you from all financial liability and continued obligations for these specific debts.

Our attorney will carefully evaluate your situation and determine if you may benefit from Chapter 7. She can also help you understand other bankruptcy options that will allow you to create long-term financial improvement in your life.

Financial Solutions For Your Debt Concerns

If you feel burdened by overwhelming debt, we can explain how there may be a way out. Contact our Mobile office at 251-300-2220 or email for a free evaluation of your case. We take bankruptcy cases for $0 Money-Down Bankruptcy.

We are a debt relief agency. We help people file for bankruptcy 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.