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.

Birmingham Chapter 13 Bankruptcy Lawyer

Individuals and small business owners who are facing the dangers of foreclosure, repossession and garnishments should consider bankruptcy as an option for getting a fresh start. Chapter 13 bankruptcy is one way to take control and restructure your debt repayment plan in a manner that you can afford.

If you are swamped by debt, then Chapter 13 bankruptcy may be the best way for you to obtain much-needed financial relief. Birmingham Chapter 13 bankruptcy lawyer Paula Greenway can assess your situation and help you choose a plan of action. Contact her today at (205) 324-4000 to schedule a free initial consultation.

Restructuring Your Debts

We are dedicated to getting our clients the debt relief they need.  With well over a decade of experience at our disposal, we may be able to help you, too.  We may be able to answer questions you have about:

Chapter 13 bankruptcy provides debt relief for people who wish to protect their assets and reduce their debts to manageable levels. Unlike those who turn to Chapter 7 (liquidation) bankruptcy, Chapter 13 filers do not run the risk of having their valuables taken and sold for debt repayment purposes.

A Chapter 13 restructuring plan will change your payment schedule into a new, manageable, 3 to 5 year plan. Filers will see a reduction in their unsecured debts, but their secured debts must still be paid off in full. Chapter 13 may help you:

If you have any further questions, or if you believe that Chapter 13 may be the right choice for you, call Birmingham Chapter 13 bankruptcy lawyer Paula Greenway today at (205) 324-4000.

Other Options

At Greenway Bankruptcy Law, LLC, we understand that you may not feel comfortable filing for bankruptcy. While the process has a number of protective benefits, it can cause future problems with securing loans and making large purchases. You may wish to turn to debt negotiation as an alternative. However, unlike bankruptcy, debt negotiation plans will not grant you federal court protection of your homes, assets, and privacy.

To learn more about your other options and how Birmingham Chapter 13 bankruptcy lawyer Paula Greenway can help you make the right choice, contact Greenway Bankruptcy Law, LLC today at (205) 324-4000.

Contact Us

If you are suffering from more debts than you can pay off, Chapter 13 bankruptcy may be the solution for you. Contact Birmingham Chapter 13 bankruptcy lawyer Paula Greenway today at (205) 324-4000 to discuss your situation.

Chapter 13 Bankruptcy FAQs

What financial situations call for Chapter 13 bankruptcy?

Chapter 13 bankruptcy is best for individuals with a steady income who want to reorganize and pay down their considerable debts. Chapter 13 is good for those who have assets they would like to protect, assets that might be sold off in other bankruptcy plans like Chapter 7. It also suits those who can successfully use 3-5 years to pay off the debt they have accumulated. Many people can benefit from the advantages provided by Chapter 13 bankruptcy. For example, it allows homeowners to stop foreclosures and make up past mortgage payments. It also allows debtors to reschedule secured debts, which can lower payments.

Can filing for Chapter 13 bankruptcy help stop the foreclosure of my home?

Yes, Chapter 13 bankruptcy is ideal for those who have debt and want to stop the foreclosure of their home. Under a Chapter 13 plan, creditors such as mortgage lenders are prevented from continuing collection efforts, effectively stalling foreclosure. Additionally, homeowners under Chapter 13 plans are allowed to pay back mortgage debts. A Chapter 13 bankruptcy plan can allow owners to keep their homes as long as they keep up with their new mortgage payments.

What are the requirements to complete a Chapter 13 bankruptcy plan?

Debtors are eligible for discharge from their Chapter 13 bankruptcy plan once that have completed all payments and as long as they meet certain requirements. For discharge, the debtor must not have any outstanding domestic support obligations to pay. They cannot have received a bankruptcy discharge from another plan within a certain number of years: two years for previous Chapter 13 cases and four years for previous Chapter 7, 11, and 12 cases. Additionally, they must complete an appropriate course in financial management. Given that these requirements are met, individuals can achieve discharge from a Chapter 13 bankruptcy plan.

"When I had my power cut off because I just didn't have the money to pay the power bill, a friend suggested I call Paula Greenway. From the moment I walked in her office I felt like a burden was lifted from my shoulders."
Robin M
"I would just like to say that I was impressed by the staff of Greenway Bankruptcy Law, LLC and their attention to professionalism. They made the bankruptcy process not only pleasant but simple."
Jennifer S.
I can't tell how comforting it is to know your attorney is working on your case. I would and have recommended their service to friend and associates."Ed H.
"I would like to thank Greenway Bankruptcy Law, LLC for the way in which they handled my bankruptcy case."
Robert M.
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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