Chapter 7 Bankruptcy Attorney

Financial hardships can strike any person at any given moment. Whether they stem from divorce, unemployment, sudden and unexpected medical expenses or a number of other causes, these hardships can quickly drain your cash reserves and become ruinous to your financial well-being. If you find yourself encumbered with debt that you cannot repay, it’s time to seek the legal expertise of David S. Clark.

We have offices that serve the needs of people who desire debt relief in the form of a Chapter 7 bankruptcy. We can provide you with the information you need, including Alabama state exemptions. Before you make a decision regarding your bankruptcy declaration, get the facts from an experienced Chapter 7 bankruptcy attorney. We have more than 15 years of experience with bankruptcy law, have helped numerous people and families gain a fresh start. We can help you, too.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is also known as liquidation bankruptcy. It usually does not require you to repay any unsecured debt, but rather it serves as a legal elimination of it. Unsecured debts that can be wiped away with Chapter 7 bankruptcy include:

  • Credit cards
  • Medical bills
  • Most judgments and garnishments
  • Repossession debt
  • Eviction or broken lease debt
  • Some back taxes

These unsecured debts can be eliminated through legal discharge. At David S. Clark, Attorney At Law, LLC, we focus on bankruptcy and debt solutions so we know exactly what legal protection you may be granted under Chapter 7 bankruptcy laws.

Qualifications for Chapter 7 Bankruptcy

A Chapter 7 discharge is not a right that everyone is qualified for, but most people who are experiencing financial challenges will meet the requirements to file. Bankruptcy laws changed in 2005; they require that people seeking Chapter 7 protection submit proof of income. If your income is at or below the state median income level, you may qualify for Chapter 7. If, however, your income exceeds the state median level, you may be required to undergo means testing.

Means testing measures your ability to repay some of your unsecured debt with disposable income, or income that may be left over at the end of the month after all necessities are paid. David S. Clark, Attorney At Law, LLC offers a consultation and evaluation, and during our time together we can determine whether or not you meet the Chapter 7 bankruptcy filing requirements. If you are looking for a chapter 7 bankruptcy attorney, we've got you covered.

Contact Us Today!

Facing financial hardships is challenging, particularly when you do it alone. Let us be your guide as you navigate through these difficult times. We can offer guidance and help you get a fresh start.

We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.