Chapter 13 Bankruptcy – David S. Clark – Attorney at Law, LLC

A Breakdown of Bankruptcy & Wage Garnishment in Alabama

davidsclark — Wed, 18 Oct 2023 16:44:03 +0000

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Hiring an attorney can often add undue stress to an already fractious time. Bankruptcy cases are no different.

[/vc_column_text][divider line_type=”No Line” custom_height=”8″][divider line_type=”No Line” custom_height=”8″][divider line_type=”No Line” custom_height=”8″][divider line_type=”No Line” custom_height=”8″][divider line_type=”No Line” custom_height=”8″][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Bankruptcy can be scary. The thought of losing your home, car, and other possessions is certainly intimidating. And to add insult to injury, when considering bankruptcy, debt collectors can garnish your wages. Thankfully, many of the common misconceptions about bankruptcy are untrue. In fact, bankruptcy can significantly help those with overwhelming personal debt in many ways. One such way is protection from wage garnishment.

Here is a quick breakdown on bankruptcy and wage garnishment from David S. Clark, an experienced bankruptcy attorney in Opelika, Alabama.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

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.

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What are wage garnishments?

According to the US Department of Labor, wage garnishment is “a legal procedure in which a person’s earnings are required by court order to be withheld by an employer for the payment of a debt such as child support.” This means that your pay goes to a creditor instead of you. Some common forms of garnishments can be child support, alimony, student loans, and income taxes.

Wage garnishments can be embarrassing, financially crippling, and difficult to stop. Some forms of wage garnishment can even take up to 50% or more of your wages. One of the few ways to effectively fight against wage garnishments is declaring bankruptcy.

Chapter 7 bankruptcy and wage garnishments

When you declare Chapter 7 bankruptcy, wage garnishments are stopped. IRS garnishments are also temporarily stopped. The automatic stay that is enacted upon declaration of Chapter 7 bankruptcy will temporarily halt all collections. This gives you a break from the financial stress that comes with wage garnishments. From there, law professionals can help you regain your financial footing and instill fiscally responsible habits. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]

Chapter 13 bankruptcy and wage garnishments

When you declare Chapter 13 bankruptcy, wage garnishments are also stopped. Much like declaring Chapter 7 bankruptcy, declaring Chapter 13 bankruptcy also issues an automatic stay that halts all collections. Stopping wage garnishments is one the most impactful ways that declaring bankruptcy helps those in overwhelming debt. Once wage garnishments have been halted, you have time to get your financial situation back to a manageable state.

Through the Chapter 7 and Chapter 13 bankruptcy processes, and with the help of legal professionals, regaining your financial freedom and getting back on your feet isn’t so far away. It will take hard work, commitment, and starting new financial habits, but it is absolutely possible to get back to a healthy place with your finances. The financial easement process of automatic stays, which halt wage garnishments, is only one such way that the bankruptcy process can help.

The Difference With David S. Clark

If you are looking for dedicated bankruptcy law professionals to help you with your financial hardships, look no further than the experienced David S. Clark. Our focused and successful legal team has a combined legal experience of over 25 years.

If you are an Auburn or Opelika, Alabama area resident in financial distress, let us serve you and help you get back on your feet. Contact us today to begin your journey back to financial freedom.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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.

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How to Choose the Right Bankruptcy Attorney in Alabama

davidsclark — Fri, 26 May 2023 15:15:27 +0000

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

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![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

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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.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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3 Signs You May Need to File for Bankruptcy

davidsclark — Thu, 11 May 2023 15:00:58 +0000

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. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

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[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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Understanding Bankruptcy: Chapter 7 vs. Chapter 13

davidsclark — Tue, 25 Apr 2023 18:49:29 +0000

Chapter 13 vs. Chapter 7 and how an experienced bankruptcy attorney can help.

Thankfully, when it comes to bankruptcy, you don’t have to walk through it alone. Here is a quick breakdown of the difference between Chapter 7 and Chapter 13 from David S. Clark, an experienced bankruptcy attorney in Opelika, Alabama. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

Chapter 7 Bankruptcy

Chapter 7, also known as “liquidation bankruptcy,” is the most commonly filed type of bankruptcy in the United States. This type of bankruptcy enables you to regain control of your finances by having a bankruptcy court discharge most of your unsecured debt.

By eliminating these debts, Chapter 7 bankruptcy can provide a fresh start for any Auburn or Opelika resident seeking freedom from the, often, overwhelming weight of debt.

Dischargeable debts under Chapter 7 include:

Credit card balances (including overdue and late fees)
Medical bills
Personal and payday loans
Mortgage or automobile loans for which you are unable to pay
Utility bills
Social Security overpayments
Veterans’ assistance loans and overpayments

Non-dischargeable debts under Chapter 7 Include:

Non-dischargeable debts under Chapter 7 include:
Child support
Alimony
Student loans
HOA fees
Secured debts

Furthermore, in every Chapter 7 Bankruptcy case, the bankruptcy court assigns an impartial case trustee that faces your debtors for you. Ultimately, these appointed trustees aren’t working to make money for the creditors or to make your debts magically disappear. They seek the best route forward for both parties.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy, while similar to Chapter 7, focuses more on the idea of repayment and reorganization. Ultimately, unlike Chapter 7, Chapter 13 provides more flexibility in terms of debt repayment, allowing residents to catch up on missed mortgage payments or car payments.

In Chapter 13 bankruptcy, a dedicated bankruptcy attorney creates a repayment plan to pay off your debts over a period of three to five years. The repayment plan is based on a number of items such as your income, expenses, and the types of debts owed.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

Which Type of Bankruptcy is Right for You?

The type of bankruptcy that is right for you will depend on your unique financial situation. If you have little to no disposable income and cannot pay off your debts, Chapter 7 bankruptcy may be the best option. However, if you have a regular income and want to keep your assets while paying off your debts, Chapter 13 bankruptcy may be a better fit.

Ultimately, consulting with an experienced bankruptcy attorney is essential to determine which type of bankruptcy is right for you. They can evaluate your financial situation and help you make an informed decision.

Before anything, it is also important to remember that while debts can appear similar, every financial situation is unique. So, before filing for bankruptcy, it is important to understand that bankruptcy is not the end. With the help of an experienced bankruptcy attorney, like David S. Clark, you can not only have an advocate, but a friend to encourage you through the entire process.

If you’re an Opelika or Auburn, Alabama resident struggling with the weight of overwhelming debt and seeking the financial advice, wisdom, and encouragement of an experienced bankruptcy attorney, contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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Does Bankruptcy Affect Employment Status?

davidsclark — Mon, 27 Mar 2023 14:26:56 +0000

It is very rare for employers to find out about your bankruptcy status. In fact, you are not legally required to inform your employer of your Chapter 7 or Chapter 13 bankruptcy.

Rest assured knowing that you can not be fired solely due to the fact that you filed for bankruptcy. However, in some situations, it could possibly prevent you from getting a job within a private industry in the future.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

Can I Lose My Job Due to Bankruptcy?

An employer can not legally fire you because of your bankruptcy. Even more, an employer can’t change the terms and conditions of your employment based on your bankruptcy filing.

For example, your employer is not allowed to:

Reduce your salary
Downgrade your position
Take away your specific responsibilities, or
Terminate your employment

If for some reason you are fired shortly after filing for bankruptcy and there are no other justifications for your dismissal, you may have a case against your employer for illegal bankruptcy discrimination. However, keep in mind that bankruptcy can’t protect you from other misconduct, such as tardiness, inability to get the job done and dishonesty.

Could Bankruptcy Affect My Future Employment?

When applying for jobs, no federal, state or local government agency can take your bankruptcy into consideration when deciding whether to hire you. On the other hand, private employers have the power to do so.

The only time this really causes problems against someone who has filed for bankruptcy is for certain jobs that deal with money. For example, if you are applying for a job such as accounting or bookkeeping, employers tend to be more cautious.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

Will My Employer Find Out About My Filed Bankruptcy?

It is very rare for employers to find out about your bankruptcy status. In fact, you are not legally required to inform your employer of your Chapter 7 or Chapter 13 bankruptcy.

Although it is very unlikely, these are the most likely ways that an employer could find out:

Wage garnishments. If your wages were being garnished previously, your employer will be notified to stop the wage garnishments due to your debt being discharged.
Chapter 13 payments. This is very uncommon, but if you have filed for Chapter 13 bankruptcy, a few jurisdictions require your debt reorganization payments to be deducted from your paycheck, which would make your employer aware.
Owing your employer money. If for instance, you have to pay back a wage overpayment, you will have to list that as one of your debts in your bankruptcy paperwork, and your employer will be notified of that.

David S. Clark – An Experienced Bankruptcy Attorney Here to Help You!

If you have worries about the consequences of Chapter 7 or Chapter 13 bankruptcy affecting your employment status, contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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The Role of a Bankruptcy Attorney

davidsclark — Mon, 13 Mar 2023 16:03:14 +0000

A quick breakdown of the helpful role an experienced bankruptcy attorney provides in your unique bankruptcy case

Below is a helpful explanation of the role of a bankruptcy attorney, and what to expect during bankruptcy from David S. Clark, an experienced bankruptcy attorney in Opelika, Alabama.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

What is Bankruptcy?

Before walking through the specific tasks 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 of bankruptcy requires certain qualifications and includes different processes. For more information on which chapter of bankruptcy could be best for you, click here!

Initial Bankruptcy Consultation

Before any plans are drawn up, a bankruptcy attorney’s initial consultation is essential to your journey toward a fresh start. During this consultation, your attorney will evaluate your financial situation and provide advice on the best course of action.

Additionally, the attorney will review your debts, assets, and income to determine if you qualify for bankruptcy and discuss the potential consequences of filing.

Preparation of Bankruptcy Paperwork

After your initial consultation, the bankruptcy process begins. One of the most important roles of a bankruptcy attorney is to prepare and file the necessary paperwork for your unique bankruptcy case. This process can be complex and time-consuming, and it requires a thorough understanding of Alabama’s bankruptcy laws and regulations.

Your attorney will work closely with you to gather all the required information and documentation, such as financial records, tax returns, and asset listings. With this information, your attorney will prepare the necessary forms, including the bankruptcy petition, schedules, and statements, ensuring that everything is complete and accurate. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

Representation in Court

Another important role of a bankruptcy attorney is to represent you in court throughout the bankruptcy process. Your attorney will attend all necessary court hearings, including the meeting of creditors and the confirmation hearing, to advocate for your specialized interests.

They will present evidence and arguments to the bankruptcy trustee and the judge, and answer any questions they may have about the case. Throughout this process, the attorney’s goal is to not only protect your rights but ensure your best interests are being served.

Post-Bankruptcy Guidance

There are a number of myths surrounding bankruptcy, especially when it comes to the consequences.

David S. Clark and his team of professionals understand the overwhelming nature that bankruptcy can present. While it may be easy to find information about the best course of action to take, what is actually true about bankruptcy, or ways to cheat the system–an experienced bankruptcy lawyer could be the difference in the future of your finances forever.

If you are an Auburn or Opelika resident seeking the help of an experienced bankruptcy attorney, contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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Personal Bankruptcy FAQ

davidsclark — Mon, 27 Feb 2023 21:48:50 +0000

Frequently asked questions about bankruptcy and how an experienced bankruptcy attorney can help.

Below are a few of the most commonly asked questions about bankruptcy to help you understand the process and make informed decisions about your financial future.

So, whether you’re an Opelika resident considering bankruptcy as a way to manage your debt or you simply want to learn more about the process, here are a few of the answers you may need from David S. Clark, an experienced bankruptcy attorney in Opelika, Alabama. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

Will I lose my home if I file for bankruptcy?

As mentioned, bankruptcy is a daunting idea for several reasons, but the ability to lose your home often causes many Alabama residents to shy away from even the thought of bankruptcy.

The answer to this question depends on a number of important factors such as the type of bankruptcy you file for (as shown below), the amount of equity in your home, and more.

If you file for Chapter 7 bankruptcy, your home may be at risk if you have a significant amount of equity in it. However, if you file for Chapter 13 bankruptcy, you may be able to keep your home as long as you continue making payments under the court-approved repayment plan.

Ultimately, when it comes to personal bankruptcy, every case is going to be different, so it is essential to communicate with a dedicated bankruptcy attorney on the best options that could protect your home.

Will bankruptcy stop debt collection harassment?

According to Section 524 of the U.S. Bankruptcy Code, no one can take action against you if your debt has been discharged through bankruptcy. Known as the “automatic stay”, this action is immediately ordered and enforced by the bankruptcy court as soon as you file for bankruptcy.

Ultimately, the automatic stay makes it illegal for creditors to contact you about any discharged debt once you file for bankruptcy. This means creditors can’t call, email, visit, or do anything that attempts to collect a debt from you.

It is important to note that although creditors can no longer contact you regarding discharged debts, not all debts are discharged through bankruptcy.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

When should I file for bankruptcy?

Unfortunately, when it comes to bankruptcy, there is no simple answer to this question as it depends on your individual circumstances. Generally speaking, if you’re struggling with overwhelming debt and are unable to make timely payments, it may be time to consider filing for bankruptcy.

Other instances could include situations where you’re facing foreclosure, wage garnishment, or constant harassment from creditors. However, it is important to note that filing for bankruptcy should not be taken lightly, and seeking the counsel of an experienced bankruptcy attorney first is essential.

David S. Clark – A Local Lawyer Dedicated To You

While these are a few of the more popular questions about bankruptcy, it is important to remember that every personal bankruptcy case will be different. Yet, you don’t have to go through it alone.

If you are an Auburn or Opelika resident ready to file for Chapter 7 or Chapter 13 bankruptcy or simply seeking the financial help of an experienced bankruptcy attorney, contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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A Guide to Chapter 13 Repayment Plans

davidsclark — Tue, 17 Jan 2023 17:13:31 +0000

What is a Chapter 13 bankruptcy repayment plan? What would mine look like?

Typically, when it comes to personal bankruptcy, there are two types: Chapter 7 and Chapter 13. While these may fall under the same umbrella, there are a few key differences when it comes to their distinctions.

More specifically, Chapter 13 bankruptcy is also called the “wage earner’s plan”. This is usually a more desirable avenue for debt relief than Chapter 7 because it enables a customer to keep certain valuable assets out of a creditor’s reach. The debtor then proposes a plan with a help of a bankruptcy attorney to repay creditors over a reasonable period of time.

Here is a guide to Chapter 13 repayment plans for any Auburn or Opelika resident looking to file Chapter 13 bankruptcy from David S. Clark, an experienced bankruptcy attorney in Alabama.

What is the Chapter 13 Repayment Plan

The Chapter 13 repayment plan is a legal document that establishes how to pay back creditors, typically over 3 to 5 years. Once your unique plan is drawn up, a bankruptcy judge and any creditors will have a chance to assess and possibly challenge any part of your repayment. Once confirmed, you’ll follow the plan and pay back any and all debt over the allotted time.

While it is possible to create your own repayment plan, the process can be extremely complicated, plus without detailed knowledge about Chapter 13 bankruptcy, presenting your plan to the bankruptcy judge can result in failure.

That’s why it is best to work with an experienced bankruptcy lawyer, who can ensure your repayment plan meets all requirements and has your best interests at heart. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

Differences in Debts, Differences in Repayment

Unfortunately, creating a repayment plan is not as easy as placing all your debts in one box with a bow on top. Generally, your debts will be split into three different categories in your Chapter 13 bankruptcy repayment plan.

Priority Debts

Aptly named, priority debts are the debts that must be paid off during a Chapter 13 repayment plan. These can include a number of types of debt but a few examples include the taxes you owe, the cost of filing for bankruptcy, and child/spousal support payments.

Secured Debts

Secured debts are backed by a home mortgage, auto loan, business equipment, inventory, or any other type of collateral. Depending on the foundation around the secured debt, you could be required to pay back the value of the collateral or the full payment of the debt.

Unsecured Debts

Unsecured debts typically come in the form of medical bills, credit cards, or unsecured personal loans. These debts are typically last on the list in terms of Chapter 13 repayment, which means that it’s totally possible for creditors not to be paid in full and these debts are “discharged” at the end of your plan. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

David S. Clark – Auburn and Opelika Chapter 13 Bankruptcy Attorney

When it comes to Chapter 13 repayment plans, every plan is unique. That’s why having a dedicated Chapter 13 bankruptcy attorney can not only help establish the best repayment plan for you but do so with your best interests at heart.

David S. Clark is an Auburn and Opelika, Alabama bankruptcy attorney that understands the complex nature of Chapter 13 bankruptcy. For more information, contact David S. Clark today! [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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Is a Bankruptcy Attorney Necessary?

davidsclark — Wed, 02 Nov 2022 15:08:11 +0000

Bankruptcy can give you a fresh start when you are under the weight of overwhelming debt. Yet, much like any legal matter, the process of bankruptcy can be confusing.

Here’s how to decide if you need a bankruptcy lawyer and what to expect from David S. Clark, a bankruptcy attorney based in Opelika, Alabama.

Different Types of Bankruptcy

While there are many types of bankruptcy, when filing as an individual, cases often fall under either Chapter 7 or Chapter 13.

Chapter 7, also known as a straight or liquidation bankruptcy is designed for Auburn or Opelika residents who are unable to pay monthly debt payments. In every Chapter 7 Bankruptcy case, the court assigns an impartial case trustee that faces your debtors for you. Ultimately, these appointed trustees aren’t working to make money for the creditors or to make your debts magically disappear. They seek the best route forward for both parties.

In a Chapter 13 bankruptcy case, also called a wage earner’s plan, the court approves a repayment plan that gives you a period of a reasonable amount of time to pay off your debt. This is usually a more desirable avenue for debt relief than Chapter 7 because it enables you to keep certain valuable assets out of a creditor’s reach. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

What’s The Point of a Bankruptcy Lawyer?

When it comes time to file for bankruptcy, it can seem like everyone is against you. A dedicated bankruptcy lawyer, like David S. Clark, seeks to not only fight for you but also to relieve the overwhelming aspects that often come with a bankruptcy case.

Almost like a tour guide, a bankruptcy attorney can advise you about matters such as:

Whether bankruptcy is a smart move or not
Which type of bankruptcy to file
How every step of the bankruptcy process will work
Details on the elimination of debt depending on the chapter of bankruptcy you file
Any and all paperwork as well as further discussions with creditors

It can be tempting to handle every step of bankruptcy alone, but just because you file for bankruptcy doesn’t mean your debt magically disappears. Without an experienced lawyer, you may make legal mistakes that carry long-term financial consequences.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

David S. Clark, More Than Your Bankruptcy Attorney

Filing for bankruptcy is a significant decision, yet, as mentioned, it doesn’t mean the end of your finances forever. David S. Clark is an Opelika-based bankruptcy attorney who has helped countless Alabama residents find freedom from the weight of immense debt.

Whether you are seeking to file for Chapter 7 or Chapter 13 bankruptcy, David S. Clark can help you every step of the way. For more information, contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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How to Find The “Best” Bankruptcy Attorney

davidsclark — Mon, 10 Oct 2022 16:38:42 +0000

Important factors to consider when seeking the “best” bankruptcy attorney.

Thankfully, bankruptcy does not mean the end of your finances forever, in fact, it often means a fresh start. Although, despite the chance for a clean slate, declaring bankruptcy involves a deep dive into your financial history, mountains of paperwork, and confusing legal discourse that can make it seem impossible.

Yet, with a dedicated bankruptcy attorney, you don’t have to go through it alone. So, when it comes time to choose a bankruptcy attorney in Alabama, who should you call?

Here at David S. Clark, we may be a little biased about who the “best” bankruptcy attorney in Alabama is, but being the best isn’t our end goal. Our goal is not only to help those in the depths of financial ruin through bankruptcy but to also bring a level of compassion to each of our clients.

So, before you choose a bankruptcy attorney, here are a few “must-haves” your attorney should have from the experienced team at David S. Clark in Opelika, Alabama. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/3″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1582649947294{background-color: #dddddd !important;}”]

Dedication to Your Needs

At the end of the day, your bankruptcy attorney should be someone you are comfortable with. Look for an experienced attorney who will not only represent you but will listen to you to best understand your unique situation.

Also, don’t make your decision solely on price. Bankruptcy requires careful preparation and understanding of legal issues. Misunderstandings of the law or making crucial mistakes in the process could be the difference in the success or failure of your bankruptcy case. [/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom”][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

Local Experience in Chapter 7 & Chapter 13 Bankruptcy

There are a few different distinctions when it comes to Chapter 7 and Chapter 13 bankruptcy. The biggest difference is that Chapter 7 focuses on discharging “unsecured” debt such as credit cards, personal loans, or medical bills while Chapter 13 allows you to catch up on “secured” debts like your home or car while also discharging any unsecured debt.

Beyond having familiarity and experience with the distinctions of bankruptcy laws, a bankruptcy attorney should also be local. By hiring an attorney like David S. Clark, who is local to Auburn and Opelika, Alabama, you can have faith knowing they will use their knowledge of the local court procedures and personnel to your benefit.

David S. Clark – Your Auburn or Opelika Bankruptcy Attorney

So, while there is technically no answer to who the “best” bankruptcy attorney is, through these helpful considerations, we hope that your path to financial peace is closer than ever before.

For more information on how the experienced team at David S. Clark can help you recover from financial ruin with Chapter 7 or Chapter 13 bankruptcy in Auburn or Opelika contact David S. Clark today![/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” bg_color=”#dddddd” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”padding-7-percent” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][vc_column_text]

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