Chapter 13 Debt Consoldation
Filing for Chapter 13 Bankruptcy in Alabama
There are many reasons that people find themselves in financial hot water—often because of circumstances beyond their control. Job loss, divorce, a work injury...before you know it you are relying on credit cards to pay your bills, and the debt just keeps adding up.
Maybe you bought your home with an adjustable rate mortgage (an ARM), and now you find yourself unable to make the monthly payments because your rate went up and up. Many people are in your shoes—and many of them are seeking legal help to avoid foreclosure.
If you are being hounded by creditors, if the bank is threatening foreclosure on your home, if you are behind on your bills and don't know how you will catch up, it's time to contact Alabama bankruptcy attorney Mark Johnson at the Johnson Law Firm.
Chapter 13 consumer bankruptcy may provide the safe harbor you need to start your financial life over again.
Bankruptcy can:
Stop or delay home foreclosures
Stop creditor harassment
Stop wage garnishment or seizure of your bank account
Stop or delay repossession of property
Protect your car from repossession
Stop credit card companies from piling fines onto your bill
There is light at the tunnel—if you get legal help. Bankruptcy lawyer Mark Johnson has been helping people get a fresh start with Chapter 7 and Chapter 13 bankruptcy for more than 7 years. He can help you get back on the road to financial stability.
Contact our Arab law office for a free consultation to learn more about bankruptcy and whether you qualify for Chapter 7 or Chapter 13 consumer bankruptcy.
Personal Bankruptcy and Your Credit Rating
Many people avoid declaring bankruptcy because they are afraid of what a bankruptcy will do to their credit ratings. If this is your concern, you should realize that late payments, non-payment, and collection proceedings are already damaging your credit rating.
For some people, bankruptcy is the necessary first step to repairing their credit rating and getting back on track to financial stability. Chapter 13 bankruptcy will put a plan in place to repay all or some of your creditors. While you are making those payments, you are rebuilding your credit.
Don't let your "bad credit" today become "no credit" tomorrow. Bankruptcy may be the help you need. To find out if bankruptcy is right for you, contact our law office in Arab today for an appointment over the phone, email or at our primary location.
Stop Foreclosure with what you can afford | 
