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May 2023

How to Choose the Right Bankruptcy Attorney in Alabama

By Attorneys & Lawyers, Bankruptcy Law No Comments

It can be hard to find the right bankruptcy attorney, thankfully, you don’t have to do it alone.  

If you’re struggling with the weight of debt and considering bankruptcy, it’s important to have an experienced personal bankruptcy attorney on your side. Yet, with so many bankruptcy law firms available, choosing one can be even more overwhelming. Thankfully, you don’t have to make the choice alone. Here are a few essential factors to consider when selecting a bankruptcy attorney in Alabama. 

What is Bankruptcy?

Before explaining a few essential factors of a bankruptcy attorney, it is important to provide a brief explanation of what bankruptcy is. Essentially, when it comes to personal bankruptcy, there are two main types: Chapter 7 and Chapter 13. Chapter 7 bankruptcy allows individuals and businesses to discharge their debts, while Chapter 13 bankruptcy involves a repayment plan.

Each chapter has specific eligibility requirements and follows distinct processes. To learn more about which chapter of bankruptcy may be most suitable for your situation, click here!

DISCLAIMER: The following blog post is just advice, and you will be better served to call David S. Clark with your bankruptcy questions. This blog contains helpful tips and advice, but is not professional legal advice, and shouldn’t treated as such.

Need Bankruptcy Help? Call David S. Clark

Auburn and Opelika Expertise 

Auburn and Opelika may be smaller than cities like Huntsville or Birmingham, but that’s where their neighborly atmosphere shines. So, when it comes to a bankruptcy attorney, it is essential to not only find an attorney who has extensive knowledge of Alabama bankruptcy laws, but one who treats you as your neighbor would–with love and care. 

Experience and Specialization

When it comes to a successful personal bankruptcy case, finding a bankruptcy attorney who truly understands your wants and needs is crucial. However, their experience and specialization play a pivotal role. Therefore, it’s essential to research different attorneys, read reviews, and ensure that the law firm you choose has extensive knowledge in personal bankruptcy, particularly in Chapter 7 and Chapter 13 cases.

Personalized Approach

Furthermore, since every bankruptcy case is different, a dedicated bankruptcy attorney must be able to adapt and improvise depending on your unique financial situation. By working closely with you, a bankruptcy attorney can also create a tailored plan that addresses your concerns and helps you achieve the best possible outcome.

The Difference With David S. Clark, Your Opelika Bankruptcy Attorney

Choosing the right bankruptcy attorney is a crucial step towards financial freedom. With David S. Clark, a seasoned Chapter 7 and Chapter 13 bankruptcy attorney in Auburn and Opelika, Alabama, you can trust that you’ll receive experienced legal representation and compassionate guidance. His local expertise, specialization, client testimonials, personalized approach, and excellent communication make him the ideal choice for Auburn or Opelika residents seeking a fresh financial start through bankruptcy.

Take the first step towards a brighter financial future by scheduling a consultation with David S. Clark today!

DISCLAIMER: The above blog post is just advice, and you will be better served to call David S. Clark with your bankruptcy questions. This blog contains helpful tips and advice, but is not professional legal advice, and shouldn’t treated as such.

3 Signs You May Need to File for Bankruptcy

By Bankruptcy Law, Financial Tips No Comments

Bankruptcy is often misunderstood and could actually lead to a life of financial peace.

Even with the most meticulous planning and as much as we try to avoid it, financial hardship and bankruptcy can happen to anyone. Also, with many myths surrounding it, bankruptcy is often dismissed as a viable solution for many Auburn or Opelika residents. Some even believe that filing for bankruptcy means the end of their finances forever. However, bankruptcy is often misunderstood and could actually lead to a life of financial peace.

Despite that, deciding whether or not to file for bankruptcy is a major decision that requires careful consideration. So, here are three signs that may indicate it’s time to speak with a bankruptcy attorney about your options from David S. Clark, an experienced personal bankruptcy attorney in Opelika, Alabama. 

DISCLAIMER: The following blog post is just advice, and you will be better served to call David S. Clark with your bankruptcy questions. This blog contains helpful tips and advice, but is not professional legal advice, and shouldn’t treated as such.

Need Bankruptcy Help? Call David S. Clark

Overwhelming Debt

When the weight of debt becomes seemingly unmanageable, it can be challenging to pay even the minimum amount owed. This not only leads to deeper debt but can even add a significant burden to your daily life. More debt can also lead to late fees, penalties, and interest charges, making it even harder to get out of debt.

Unmanageable debt is often a strong indication that it may be time to talk to an experienced bankruptcy attorney about your options. Depending on your situation, Chapter 7 or Chapter 13 bankruptcy may be able to help by consolidating your debts and allowing you to make more manageable payments. In some cases, it may even be possible to discharge some or all of your debts, giving your finances a fresh start.

Debt Collection Harassment & Threats of Legal Action

Beyond the effect that overwhelming debt can have on you and your family, creditors can sue you for non-payment of debt, leading to wage garnishment, property liens, or even the seizure of a number of your assets.

Thankfully, filing for Chapter 7 or Chapter 13 bankruptcy can halt legal action and protect your valuable assets. When you file for bankruptcy, an automatic stay goes into effect, which puts an immediate stop to creditor actions, including lawsuits and wage garnishment.

Lack of Savings

While the lack of a savings account does not mean bankruptcy, it can act as a warning of what could happen in the future. Ultimately, without a financial cushion, a single unexpected expense, such as a medical emergency, car repair, or job loss, can quickly spiral into financial distress. 

Filing for bankruptcy can help you get back on your feet by giving you a fresh start. It can discharge your debts, freeing up your income to rebuild your savings and secure your financial future

David S. Clark, Your Auburn & Opelika Personal Bankruptcy Attorney 

In conclusion, if you are struggling with overwhelming debt or facing legal action from creditors in Alabama, filing for bankruptcy may be a viable solution. However, it’s essential to speak with an experienced bankruptcy attorney in Alabama to understand your options. 

At David S. Clark, we are dedicated to helping our clients in Auburn or Opelika achieve financial freedom. Contact us today to schedule a free consultation and learn more about how we can help you with Chapter 7 or Chapter 13 bankruptcy. 

DISCLAIMER: The above blog post is just advice, and you will be better served to call David S. Clark with your bankruptcy questions. This blog contains helpful tips and advice, but is not professional legal advice, and shouldn’t treated as such.