Bankruptcy Services in Huntsville, AL
The Law Offices of Joseph G. Pleva combine extensive experience with personalized service to better serve our clients. Bankruptcy is a complex process that is often obscured by misinformation. In reality, it can be a tremendous asset for individuals in financial risk. The most important step is to seek the guidance of an experienced attorney who knows the nuances of bankruptcy cases.
Chapter 7 Bankruptcy
Chapter 7 is the most common form of bankruptcy for individuals, and for good reason. It can provide relief from multiple types of debt, including credit card bills, personal loans, and medical bills. Every individual must first go through a credit counseling course to determine if they are eligible for these bankruptcy services. Whether they are eligible or not, we will assist every client in moving forward, reapplying for other bankruptcy services, and protecting client rights.
Chapter 13 Bankruptcy
Another common route is Chapter 13 bankruptcy. The key underpinning of Chapter 13 is reassessing the debt and working out a detailed plan to repay it, typically over three to five years. This option is favored for those whose homes or vehicles are threatened with foreclosure or repossession. Our team assists clients in keeping their property and staying informed while negotiating with creditors.
Families are frequently at risk of losing their homes because of unpaid property taxes. Bankruptcy halts foreclosure, and our bankruptcy services can renegotiate monthly payments to get clients caught up on their debt. Additional benefits of a consultation include lowering property taxes, market analysis, determining market value, and dealing with paperwork.
With house prices skyrocketing, mortgage problems are more and more common. As previously mentioned, preventing imminent foreclosure is an important bankruptcy service we provide. Furthermore, our team can reduce principles, negotiate loan modifications, eliminate second and third mortgages, and more.
Contact us to find out what bankruptcy services we can provide you with.