A clean start is a legal right.
Chapter 7 and Chapter 13, handled with discretion. Bankruptcy is not failure — it is the orderly, legal way to get your life back.
Start where you actually are.
Tap the one that sounds like your week. It goes straight to a real person.
How we help
Chapter 7 and Chapter 13, handled with discretion. Bankruptcy is not failure — it is the orderly, legal way to get your life back.
Overwhelming debt can feel isolating. If you’re fielding harassing creditor calls, facing the threat of foreclosure, or watching the bills mount, you have rights and options. We start by listening to your story, analyzing your situation, and explaining the path forward in plain English — for individuals and families across Huntsville and North Alabama.
Filing is a powerful legal tool, not a sign of failure. It’s a strategic, responsible step toward regaining control of your finances, and it can protect your assets and stop creditor actions. Whether the right fit is Chapter 7, Chapter 13, or a debt-relief alternative, our goal is to give you the knowledge and the legal tools to protect your family, your assets, and your future.
Matters we handle
- Chapter 7 — a clean slate
- Chapter 13 — a structured plan
- Stopping garnishment & repossession
- Rebuilding after discharge
How it works
What to bring to the first call
Don’t organize anything. Bring what you have — we’ve seen shoeboxes and we’ve seen spreadsheets, and both turned into wins.
- The bills and notices — unopened is fine
- Pay stubs or income records
- Mortgage or car-loan statements
Common questions
Almost never. Alabama exemptions protect the essentials, and Chapter 13 exists specifically to keep homes and vehicles. We’ll map it before you decide.
The initial consultation is free, and we’ll explain fees clearly before you commit to anything.
Huntsville, Madison, Decatur, Cullman, Gadsden, Anniston, and the surrounding North Alabama communities — from our downtown Huntsville office.
The calls can stop. The restart can begin.
Start over, properly →