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The Bankruptcy Attorney Decatur, Alabama, Recommends

We’ll Visit You If You Can’t Come To The Office | Emergency Consultations | In-person & Virtual Meetings Available

Home Of The One-Day Bankruptcy Filing Process

Get a fresh start today! If you are tired of the never-ending cycle of debt, harassing phone calls and stress, then the knowledgeable and experienced team at Josh O'Neal & Associates can help. Our bankruptcy attorneys in Cullman and Decatur, Alabama, have helped hundreds of people just like you:

  • STOP foreclosures
  • STOP harassing and embarrassing phone calls
  • STOP garnishments and collection attempts

We will guide you through your bankruptcy situation to help you file correctly for the best outcome in your financial situation. Find the right solution for your debt problems today! Our office offers emergency consultations, so stop by today.

We can help you eliminate your debt and keep your property. In addition, we can stop garnishments and foreclosures. You don’t need to worry about completing long, difficult paperwork to file for bankruptcy. We will do the work for you. We can complete all of your paperwork in one day, so you won’t have to undergo multiple appointments.

Let Us Help You Get A Fresh Start

The process of declaring bankruptcy can be daunting and complicated. You need our experienced disability attorney in Decatur, Alabama, to help you through the process. Our knowledgeable team will help you determine which type of bankruptcy filing is right for you. There are two main types of bankruptcy:

  • Chapter 7: When filing a chapter 7 bankruptcy, you will typically have to liquidate your assets to pay your creditors and outstanding debts. Certain assets are exempt, and there is no repayment plan required.
  • Chapter 13: Chapter 13 bankruptcies require a repayment plan for your debt, over a three- or five- year period. If you have a steady income, this can help you restructure how you pay back some of your debt. If you diligently work through your repayment plan, some of your debts may be eliminated.

As a skilled disability attorney Cullman, Alabama, trusts, we will thoroughly explain all of your options to give you a fresh financial start.

Answers To All Your Bankruptcy Questions

Q: Will the garnishments and collections stop if I file bankruptcy?
A: Yes, absolutely. All collections stay upon the filing of bankruptcy.

Q: Will I lose my property if I file bankruptcy?
A: No! In many cases, you can keep all of your property.

Q: Will I be able to keep my home?
A: Yes, you can keep your home in many circumstances and still get the debt relief that you need.

Schedule an appointment today, and we answer all of your questions and help you get the financial relief you need.

Disclaimer: We are a debt relief agency, in that we help you file for bankruptcy under the United States Bankruptcy Code.

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