Bankruptcy doesn't have to be something bad.
It can actually be the start of something good.
Your situation is unique, and it's personal.
Your attorney should be as well.

Natural Disasters and BAPCPA

The consequences of a natural disaster can be devastating; the harm suffered by innocent victims can be physical, emotional, and financial. When the Bankruptcy Abuse Prevention and Consumer Protection Act was passed, it made no accommodations for victims of natural disasters who needed to file for bankruptcy. After the consequences of Hurricane Katrina made it clear that BAPCPA regulations needed to be modified, emergency measures were adopted to help suffering victims.

Now, there are guidelines established by the US Trustee’s office to alleviate bankruptcy under catastrophic conditions. If you are thinking about filing for bankruptcy, knowing the law is an important first step. Contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC today at (205) 324-4000 to learn more.

Changes to BAPCPA

If a disaster impairs a debtor’s ability to pursue bankruptcy, BAPCPA regulations may be loosened to provide much needed financial stability. In extreme circumstances, the US Trustee’s office has authorized the following changes:

  • Lost documents are not blamed on the debtor
  • The means test is modified to account for disaster-related damages
  • Credit counseling is not necessary
  • The US Trustee’s office may set up communication between creditors and debtors when communication might otherwise be impossible

As the Trustee’s office is responsible for the execution of bankruptcy law, these additions to BAPCPA are generally considered applicable in court. However, these changes are not law. Judges are allowed to suspend these guidelines and apply the original BAPCPA regulations if they deem that decision prudent.

Contact Us

If you are considering filing for bankruptcy, contact the Birmingham bankruptcy attorneys of Greenway Bankruptcy Law, LLC at (205) 324-4000 to discuss your future with a legal professional today.

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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
Tuscaloosa: (205) 737-3350
Gadsden: (256) 467-6650

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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Greenway Bankruptcy Law, LLC 505 20th St N #1220, Birmingham, AL, 35203 | Phone Number: (205) 324-4000 |  Directions | Paula Greenway+