Individuals may seek bankruptcy lawservices for a wide variety of reasons. At Backus Law Group, we have over 15 years of experience in helping people through the federal bankruptcy process. This process includes Chapter 7 filings, as well as Chapter 13 filings for individuals whose income is too high to qualify for Chapter 7.
We understand that each individual has unique needs and concerns when it comes to bankruptcy. Our firm guides clients through the ins and outs of settling debts, honoring commitments, and either closing down or starting over. We work closely with our clients to effectively represent their interests and individual needs.
We are proud to help people who are filing for bankruptcy protection. Our bankruptcy law team in Selma, Clanton, or Montgomery, AL is here for you when you need us.
Chapter 7 Bankruptcy
Our bankruptcy law services help individuals file for Chapter 7 bankruptcy. If your income falls at or below Alabama's requirements, Chapter 7 can be a good way for you to discharge your debts and start over with a clean financial slate.
However, please be aware that Chapter 7 bankruptcy cannot discharge taxes you owe, or alimony and child support obligations. And most student loan debt cannot be discharged in a bankruptcy filing, except in cases of extreme hardship. If you have any questions, please call us in Selma, Clanton, or Montgomery.
Chapter 13 Bankruptcy
If your income level means you cannot file for Chapter 7 bankruptcy, bankruptcy law has another option: Chapter 13. This filing allows people who have a secure source of income to consolidate their debts. An interest-free payment plan (usually on a 3 to 5-year schedule) will then be set up.
With this bankruptcy filing, 100% of your secure debts will still have to be paid, but unsecured debts may accept less than 100% restitution. The debts that can be consolidated include mortgage arrears, student loans, car loans, and credit card debt.
Civil Notary Services
In addition to bankruptcy law services, Backus Law Group also provides specialized civil notary services. Notary services may be needed to officiate documents, court filings, official letters, wills, deeds, bills of sale, and more.
If you or your business requires civil notary services, you will find that our friendly team can assist you with efficient and professional services.
Please don't hesitate to contact our Montgomery office (or our other offices in Clanton or Selma) today to arrange for an appointment.
No representation is made that the quality of the legal services to be performed by Backus Law Group is greater than the quality of legal services performed by other lawyers.
Congress and the President have designated Backus Law Group a debt relief agency. We proudly assist people in filing for bankruptcy protection.