Debt Relief & Bankruptcy Solutions
Take Control of Your Future
How Chapter 7 & Chapter 13 Differ
The appropriate chapter depends on your income, property, repayment ability, goals, debt types, and prior filing history. I review these details before explaining which options may be available.
Chapter 7 Bankruptcy
Chapter 7 generally uses a liquidation process to discharge qualifying debts. Eligibility requirements, Alabama bankruptcy exemptions, property ownership, and obligations that can’t be discharged all affect whether this chapter is appropriate.
Chapter 13 Bankruptcy
Chapter 13 uses a court-approved repayment plan. It may be an option for someone with regular income who needs time to address arrears on secured debt or doesn’t qualify for Chapter 7. The available relief and plan terms depend on the person’s financial circumstances.
Debt Problems That May Require Prompt Review
A foreclosure sale, repossession, garnishment, or creditor lawsuit may involve deadlines that shouldn’t be ignored. Bring any notices, court papers, collection letters, or sale dates to the initial consultation so I can evaluate the timing and possible legal paths.
Situations that may call for a prompt bankruptcy assessment include:
- A creditor has filed or threatened a collection lawsuit.
- Money is being withheld through wage garnishment.
- A mortgage lender has scheduled or threatened foreclosure.
- A lender is pursuing vehicle repossession.
- Creditor harassment continues despite efforts to resolve the debt.
Filing a case may trigger the automatic stay, a federal protection that pauses many collection actions. Its effect must be reviewed in context because exceptions and case-specific limitations apply. Depending on income, creditor cooperation, debt type, and repayment capacity, debt consolidation or negotiated relief may offer an alternative.
Get a Clearer Plan for Managing Your Debt
Homewood residents can contact me to discuss bankruptcy, debt consolidation, creditor pressure, or another potential path to relief. During a free, no-obligation consultation, I can review urgent deadlines, identify relevant records, and explain the options worth considering.
I offer virtual and in-person consultations, flexible payment plans, and individualized guidance backed by more than 25 years of legal experience. You can receive direct explanations so you can make an informed choice about your next step.
Call (659) 336-2597 to schedule your free consultation with The Law Firm of Marshall A. Entelisano.
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Compassionate Guidance, Honest SolutionsWe understand the stress of financial struggles and are here to help with honesty and care. You’ll work directly with an experienced attorney who provides clear, upfront guidance—no hidden fees, no surprises.
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Trusted Debt Relief in AlabamaFor over 25 years, we've helped thousands of people just like you eliminate financial stress, stop creditor harassment, and regain control of their future. We don’t just provide legal solutions—we offer hope and a clear path forward.
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Convenient Payment PlansWe believe financial relief should be accessible to everyone. That’s why we offer flexible payment plans to fit your budget, so you can get the help you need without added stress.
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We Provide Free ConsultationsWe offer a completely free and confidential consultation to discuss your financial situation and find a path to relief. Whenever you're ready, we're here!