Who are we?

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The glory of justice

Justice is the legal or philosophical theory by which fairness is administered. The concept of justice differs in every culture. An early theory of justice was set out by the Ancient Greek philosopher Plato in his work The Republic. Advocates of divine command theory argue that justice issues from God. In the 17th century, theorists like John Locke argued for the theory of natural law.Thinkers in the social contract tradition argued that justice is derived from the mutual agreement of everyone concerned. In the 19th century,...

Practice Areas

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Lawsuit

A lawsuit (or suit in law) is “a vernacular term for a suit, action, or cause instituted or

Negotiation

Negotiation is a dialogue between two or more people or parties intended to reach a beneficial

Legal Documents

Legal instrument is a legal term of art that is used for any formally executed written document

Legal Advice

Legal advice is ordinarily provided in exchange for financial or other tangible compensation

Tax Disputes

A tax is a financial charge or other levy imposed upon a taxpayer (an individual or legal

Car Accidents

A traffic collision, also known as a motor vehicle collision (MVC) among others, occurs when a

Litigation & Arbitration

Arbitration can be either voluntary or mandatory although mandatory arbitration can only come

Finance Law

Law is a system of rules that are created and enforced through social or governmental

Why Are We The Best?

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Benefit One

Law provides a rich source of scholarly inquiry into legal history, philosophy, economic analysis and sociology. Law also raises important and complex issues concerning equality, fairness.

Benefit Two

The history of law links closely to the development of civilization. Ancient Egyptian law, dating as far back as 3000 BC, contained a civil code that was probably broken into twelve books.

Benefit Three

Roman law was heavily influenced by Greek philosophy, but its detailed rules were developed by professional jurists and were highly sophisticated.Over the centuries between the rise and decline.

Our Services

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Bankruptcy

We provide legal advice and represent clients in north Alabama in Chapter 7 and Chapter 13 Bankruptcy cases. We have represented clients in Chapter 7 and 13 for over 20 years and provide a free...

Divorce

We provide legal advice and represent clients in north Alabama in Family Law cases. We have represented clients for over 20 years and provide a free consultation. We have also provided useful...

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Satisfied Clients

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Cases Won

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Pro Bono

Our Accomplishments

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Alimony
Residence orders
Property settlements
Bail
Serious crimes
Less serious crimes
Small Claims Division
Loan Agreements
Money Dispute

What People Say about us

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Theme was responsive and quick to take appropriate action. It provided us with wise counsel and good guidance.

Contact Us Today!

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Meet the team

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Kayla GlockReceptionist
Damon SmithAttorney
Meredith TurpinAdvocate
Tiffany SmithDamon Smith Properties, Property Manager

Frequently Asked Questions

BASICS OF CHAPTER 7 & CHAPTER 13

Some clients file Chapter 13 Bankruptcy because they are behind on their house or car payments. Chapter 13 Bankruptcy can stop a mortgage foreclosure and give you three to five years to catch up your past-due payments. Chapter 13 can also allow you time to catch up on late car payments by paying your car note through the plan, often at a lower monthly amount.

Under the right circumstances, you can file a Chapter 7 Bankruptcy, keep all your property, and get rid of all your credit card and other unsecured debts.

Myself or an Associate Attorney will meet with you without charge to help determine if Chapter 13 or Chapter 7 would best serve your particular needs.

What is Chapter 13 Bankruptcy (commonly called Debtors Court )?

Debtors Court or Chapter 13, is that part of the Federal Bankruptcy Code under which a person may repay all or a portion of his or her debts under the supervision of the Bankruptcy Court. Most people who file a Chapter 13 Bankruptcy do not lose their property. Instead, they file so that they can keep their house, car, and furniture.

Many clients file a Chapter 13 Bankruptcy to prevent their mortgage company from foreclosing on their home. Even if a foreclosure has been started, a Chapter 13 Bankruptcy can stop the proceedings. The late payments can then be caught up over a period of years.

If you are behind on your car or truck payments, filing a Chapter 13 Bankruptcy will stop the finance company from repossessing the vehicle. In many cases, the amount of the car payments can be lowered.

If you have credit card debts or loans that have no collateral, you may only have to pay back a small part of what you owe. Under the right circumstances, you can pay off credit cards, medical bills, and other unsecured debts for as little as 1 cent on the dollar.

Also, a tax levy on your wages can be stopped. Garnishments on wages can be stopped. Some leins on real estate can be stopped. Lawsuits can be stopped. Some taxes can be stopped.

Myself or an associate attorney will meet with you without charge to help determine if Chapter 13 would best serve your particular needs.

What is a Chapter 7 Bankruptcy?

Chapter 7 is a liquidation bankruptcy. Individuals who file a Chapter 7 Bankruptcy usually get rid of all credit card debts, medical bills, and other unsecured debts.

In a Chapter 7, if you want to keep your car and home, you can do so by continuing to make the regular monthly payments as long as you do not have too much equity built up ($30000 joint or $15000 individual). Or, if you decide to give the house or car back, you can also get rid of the debt that goes with it.

If you get a loan by putting up furniture and household goods that you already owned, you can usually keep the furniture and household goods and get rid of the debt.

Wage garnishments can be stopped. Lawsuits can be stopped. Some leins on land can be avoided. To qualify for a Chapter 7, there must be very little equity in your real estate $15000 for individual filer and $30000 joint (married) and no excess income in your budget.

Myself or an associate attorney will meet with you without charge to help determine if Chapter 7 would best serve your particular needs.

Please scroll down this section to view the various answers to the frequently asked questions concerning CH 13 Bankruptcy.
Following this section you will see a section concerning CH7 Bankruptcy. 
DO I NEED TO PAY ANY MONEY UP FRONT?

Most clients who have a regular source of income will be able to file a CH 13 debt consolidation petition without paying any attorney’s fee up front. The attorney’s fee is approved by the court and paid out of the monthly plan payments.

CAN I KEEP MY HOUSE AND STOP FORECLOSURE?  

If a client is behind on their house payments they can stop the foreclosure by filing a CH13 case. The client would be able to add their back house payments to the CH 13 case and pay their back house payments over a period of up to 60 months. The client would however continue to make the regular monthly mortgage payment outside the case.

CAN I PREVENT VEHICLE REPOSSESSION WITH CH13?

A person can file a CH13 case and prevent vehicle repossession. When the case is filed the vehicle/s will generally be added to the case and paid for entirely through the case over a period of up to 60 months. Often the amount owed on the vehicle and the interest rate being charged by the creditor can be reduced during the CH13 case by filing a motion to value the car and objection to the  interest rate..

CAN I KEEP MY FURNITURE AND OTHER HOUSEHOLD ITEMS?

Generally most furniture and other  household items are exempt up to $7500 if filing individually and $15000 if filing jointly and therefore would be retained by the client . If an item is secured by a creditor the item can be paid for in the CH13 case or if available a motion can be filed in certain cases to wipe out that creditors secured claim.

CAN LAWSUITS BE STOPPED? 

Filing a CH13 case prevents any lawsuits from being filed or judgments taken against you. When a client files a debt consolidation case and a lawsuit is pending, it can go no further. If a judgment has been taken, its enforcement can go no further unless allowed by the bankruptcy court.

CAN GARNISHMENTS BE STOPPED?

After a CH13 case is filed a motion is filed that immediately stops garnishments from continuing.

CAN TAX DEBTS BE STOPPED?

Income tax debts over three years old will usually be wiped out with other unsecured debt if the tax returns were filed promptly. Other taxes that are not wiped out can be paid in the CH13 case over sixty months, usually without additional penalties or interest charges.

After a Ch13 case is filed, the IRS cannot garnish your wages, seize your bank account, close your business, perfect a tax lien or take any other collection effort.

Please scroll down this page to view the various answers to the frequently asked questions concerning CH 7 Bankruptcy.

CAN I KEEP MY HOUSE?

Generally a client can keep their house when filing CH7 Bankruptcy if they are current on their mortgage payment and they do not have to much equity in the home. The general rule is $15000 for individual and $30000 for a joint case (joint means you and your spouse file together). Please call to discuss how to determining the amount of equity in your home.

CAN I KEEP MY VEHICLES?

If a client is current on their vehicle payment the client will generally be able to keep the vehicle. If the client owns the vehicle free of any debt the client will generally be able to keep the vehicle if it is not valued much over $75000 individual or $15000 joint.

CAN I KEEP MY FURNITURE AND OTHER HOUSEHOLD ITEMS? 

Generally most furniture and other  household items are exempt up to $7500 if filing individually and 15000 if filing jointly, and therefore would be retained by the client . If an item is secured by a creditor the item can be paid for by the client by reafirming the debt or if available a motion can be filed in certain cases to wipe out that creditors secured claim.
( When reafirming a debt, the creditor will send an agreement to our office, the client would sign the agreement, the agreement will generally say they will keep the property and continue to pay the debt under the original agreement.)

CAN I WIPE OUT LAWSUITS AND GARNISHMENTS?   

The filing of a bankruptcy prevents any lawsuits from being filed or judgments entered against you. If you file bankruptcy and a lawsuit against you is pending, it can go no further. If a judgment has been entered, its enforcement can go no further, at least not without first getting permission from the bankruptcy court.

After a CH7 case is filed a motion is filed that immediately stops garnishments from continuing.

CAN I WIPE OUT TAX DEBTS? 

Income tax debts over three years old can usually be wiped out with other unsecured debt if the tax returns were filed promptly only with a ch13.

WHAT DEBTS WILL NOT BE WIPED OUT?

Generally speaking, the following debts will not be discharged: Income Taxes, Spousal and Child Support, Debts arising out of willful misconduct and or malicious misconduct by the debtor, liability for injury or death from driving while intoxicated, nondischargeable debts from a prior bankruptcy, student loans and criminal fines, penalties and forfeitures, checks written for goods or services.

WHO CAN FILE CH7 BANKRUPTCY? 

You must reside or have a domicile, a place of business, or property in the United States or a municipality.You must not have been granted a Chapter 7 discharge within the last 8 years or completed a Chapter 13 plan.You must not have had a bankruptcy filing dismissed for cause within the last 180 days. It must not be a “substantial abuse” of Chapter 7 to grant the debtor relief. Generally speaking, if after you pay the monthly expenses for necessities there is not enough money to pay the remaining monthly debts, then granting a discharge would not be an abuse of Chapter 7. It would not be fundamentally unfair to grant the debtor relief under Chapter 7.

WHAT SHOULD I NOT DO IF FILING CH7 BANKRUPTCY? 

There are several areas related to this question. You should consult your attorney. In particular there are three items worth mentioning. Under bankruptcy law, certain luxury purchases over $500 within 60 days of the bankruptcy filing are presumed nondischargeable.
Under bankruptcy law, cash advances aggregating $500 within 60 days of the bankruptcy filing are presumed nondischargeable. Debts involving materially false financial statements are nondischargeable under certain circumstances. Do not sell real estate for less than fair market value to an insider such as a relative or business partner.

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. We are a Debt Relief Agency. We help people file for Bankruptcy relief under the Bankruptcy Code. 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.

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What should I do before I go to court?

If you have an attorney before your arraignment date, talk with your attorney in advance. The more your attorney understands about your case, the more he/she can help you.Generally speaking, you should plan on staying at least three hours for your arraignment and in crowded courts you may be

What are my rights?

Anyone charged with a crime has certain legal rights. You have the right to remain silent when questioned. You do not have to say anything about the facts of your case. If you do, your statements can be used against you in a court of law including during your trial. You have the right to the presence of

How do I file a complaint against my lawyer?

In most countries, particularly civil law countries, there has been a tradition of giving many legal tasks to a variety of civil law notaries, clerks, and scriveners.These countries do not have “lawyers” in the American sense,

Who makes the decisions about my case?

In a criminal case you decide whether to: go to trial or plead guilty, have jury trial or a bench trial, testify or maintain your right to be silent. In a civil case your lawyer should consult with you before making any settlement decision.

What if I cannot afford a lawyer?

If you are involved in a criminal case, in most circumstances you may have a lawyer appointed to you if the court decides you cannot afford a lawyer. You might also have the right to a court-appointed lawyer in some civil cases

How will I pay my lawyer?

In English law, a costs lawyer is a legal professional concerned with legal costs who has attained rights of audience and rights to conduct costs litigation.

From Our Blog

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12 Law Schools

A law school (also known as a law centre or college of law) is an institution specializing in legal education, usually involved as part of a...

Our Clients

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