Answers And Advice Based On Decades Of Experience
If you are considering filing for bankruptcy, you probably have many questions and concerns. Contact the law office of Jack B. Sabatini, Attorney at Law, for answers and advice from a Huntsville, Alabama, bankruptcy lawyer with more than 30 years of experience.
We strive to educate our clients, sharing our knowledge with them to enable them to make the best decisions for their individual situations.
We offer the following brief answers to frequently asked questions about bankruptcy for our clients and potential clients; contact our law firm for more information:
How can I stop foreclosure?
Filing for Chapter 7 or 13 bankruptcy will immediately stop foreclosure proceedings. Typically, Chapter 13 bankruptcy is the best option for those who wish to stay in their homes and avoid foreclosure permanently. It allows individuals to reorganize their debts and discharge some of their unsecured debt after a three- to five- year period, freeing up additional income to use toward their mortgages.
What debts can I discharge in bankruptcy?
Generally, all unsecured debt, including credit card balances, outstanding medical bills, some unpaid income taxes, and judgments are dischargeable in bankruptcy.
Can I keep my home and automobile?
Generally, you will be able to keep your home, car and other personal property during bankruptcy. Work with an experienced attorney and communicate your goals for the bankruptcy and tailor your filing to your needs.
Will a bankruptcy filing stop creditor calls and harassment?
Yes. Immediately upon filing for bankruptcy, it will become illegal for creditors to attempt to collect on debt you owe.
How will bankruptcy affect my credit score?
While filing for bankruptcy will reduce your score, the goal of bankruptcy is to get you on the path to financial success. After bankruptcy, you will be able to start fresh, make payments on time and begin to rebuild your credit.
Will a bankruptcy filing stop lawsuits or garnishments?
Upon filing for bankruptcy, all wage garnishments and legal actions against you for unpaid debt will immediately stop.
Can one spouse file for bankruptcy?
Yes. If you are married, one spouse can file alone, or you can file together with a joint bankruptcy petition. Contact us to find out which option would most benefit you and your family.
Call For More Answers To Frequently Asked Questions About Bankruptcy
The first step in turning your financial situation around is to contact the law office of Jack B. Sabatini, Attorney at Law. Call us at 256-534-4557 or email our law firm to schedule a meeting with Jack B. Sabatini.
We offer free initial consultations.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Jack B. Sabatini
Attorney at Law 108 South Side Square Huntsville, AL 35801