Baldwin County Chapter 7 & 13 Bankruptcy Attorneys
Bankruptcy is not a familiar process for most people. It can be confusing and complex. At Gina H. McDonald & Associates, L.L.C., we provide professional bankruptcy guidance to those seeking to remove debt from their lives. Our Mobile, Alabama, bankruptcy attorneys will take the time to answer your questions and help you become debt free.
If you have questions about debt relief, please contact Gina H. McDonald & Associates at (205) 453-4497.
Bankruptcy is a legal proceeding that allows people to eliminate their debt or set up a debt-repayment schedule, depending on the bankruptcy chapter that they file. It also stops creditors from calling for collections and puts a temporary, and sometimes permanent, hold on foreclosures.
Bankruptcy Options From Knowledgeable Alabama Lawyers
Our experienced bankruptcy lawyers have a substantial understanding of each chapter of the Bankruptcy Code, and can help you decide which option is right for you. Many individuals who wish to wipe their debt clean and obtain a fresh start choose Chapter 7 bankruptcy. For those people who have enough money to pay back some of their debt, Chapter 13 allows for a repayment plan to be created. This plan repays debt for a few years and then eliminates the remaining balance.
Businesses that wish to file for bankruptcy most commonly choose Chapter 11, also known as business reorganization bankruptcy. Chapter 11 allows businesses to keep their doors open while repaying debt with a carefully designed repayment schedule.
Life After Bankruptcy
While bankruptcy can help to relieve the pressure of debt, it cannot cure every financial concern. Debt that is not dischargeable in bankruptcy court includes:
- Child support
- Student loans
- Criminal fines
- Certain taxes
At Gina H. McDonald & Associates, we form a close personal relationship with each one of our clients and stick with them throughout the entire bankruptcy process. This means that we help you rebuild your credit once the bankruptcy proceedings are complete. We also help you develop payment schedules to cover your nondischargeable debts and keep you on track to financial freedom.
If you are considering bankruptcy as a way to get the debt relief you deserve, we can help you understand all your options and clear up any misconceptions you may have. At Gina H. McDonald & Associates, we know that filing for bankruptcy can be difficult. Our attorneys take the time to make the process easier for our clients to go through. Contact us today for an initial consultation. We have multiple law offices, including our new office in the Mobile County area for your convenience.
We are a debt relief agency. We help people file for debt relief under the Bankruptcy Code.
The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.