Law Office Of Jeffrey J. Courtney
Call our office: 334-521-1454
Law Office Of Jeffrey J. Courtney
334-521-1454

Helping Clients Overcome Personal And Legal Challenges

Overcoming Personal and Legal Challenges

Find Financial Freedom With Our Elmore County Debt Relief Attorneys

Being overwhelmed by credit card debt, facing the burden of medical costs or struggling with the loss of a job can make every day a battle. You may feel like these challenges are an impossible obstacle to overcome, and it may be difficult to envision a better tomorrow. However, the bankruptcy process can offer you hope through meaningful debt relief and help you take the first step toward a stronger financial future.

At the Law Office of Jeffrey J. Courtney, LLC, we understand the challenges that come with overwhelming debt. Our attorneys have extensive experience helping the people of Alabama find relief from the burden of debt, and we will use that experience to provide you with the compassionate and skilled guidance you deserve. We have helped hundreds of Elmore County citizens get the relief and peace of mind they need to move forward in a positive direction with their lives.

Recovering From Debt And Moving Forward With Your Life

While your debt may seem like an impossible challenge, it is possible to build the foundation for a stronger future. Our experienced bankruptcy attorneys can help you:

  • Determine whether Chapter 7 or Chapter 13 bankruptcy is the best solution for your situation
  • Find solutions that may help you save your home, your car and any other important property
  • Achieve relief from the burden of debt in your life

Depending on your circumstances, you may be able to wipe out all of your unsecured debt through a Chapter 7 discharge or restructure your debt through Chapter 13. Under Chapter 13, you make a monthly payment that you can afford and pay only some or none of your unsecured debt. In both Chapter 7 and Chapter 13 cases, you are usually able to keep property that you want to keep, such as your home and your vehicles.

What Is The Difference Between Chapter 7 And Chapter 13 Bankruptcy?

Generally, Chapter 7 bankruptcy is for those who want to dispose of all of their debt, but they don’t own much property or they don’t have much equity in the property that they do own. In addition, they are usually caught up on the payments on the property they want to keep. Also, Chapter 7 cases are for people who simply want to give up certain property and dispose of all of their debts.

With Chapter 13 bankruptcy, people usually have a lot of equity in the property that they want to keep, or they are behind on property they want to keep and may be trying to avoid foreclosure or repossession. In Chapter 13, petitioners propose a plan to make affordable monthly payments to catch up on the debts for the property they want to keep. In most instances, payments end up being only a portion of the debt you may owe to your unsecured creditors.

Both types of bankruptcy may allow you to either keep or surrender certain property and dispose of certain debts. However, your personal circumstances and certain eligibility requirements will direct which type is best for you. Our experienced bankruptcy attorneys at the Law Office of Jeffrey J. Courtney, LLC, can help you understand your options and make a decision that is best for you.

What Debts Cannot Be Discharged In Bankruptcy?

Not all debts can be wiped away with a bankruptcy filing. Generally, bankruptcy cannot discharge certain financial obligations. These include:

  • Student loans: Most student loans are not typically forgiven unless you can prove undue hardship, which can be challenging.
  • Child support and spousal maintenance: Additionally, child support payments and spousal support ordered in a divorce remain your responsibility, as these are legal obligations to provide support for others.
  • Tax debts: Recent tax debts and non-income tax debts are not likely to be dischargeable.

Lastly, any debts incurred through fraud or malicious acts may also be non-dischargeable. Our debt relief lawyers in Wetumpka can provide guidance and help you better understand how these exceptions may apply to your unique situation.

Do You Need Debt Relief? Contact A Wetumpka Bankruptcy Lawyer.

You don’t need to face the challenge of mounting debt alone. Call the Law Office of Jeffrey J. Courtney, LLC, at 334-521-1454 to speak to an attorney about whether bankruptcy is the right solution for you. You can also send us a message by using our online contact form.

Our debt relief lawyers offer free initial case evaluations and consultations. We are looking forward to answering your questions and telling you more about how we can help you find financial freedom.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.