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How to Start the Chapter 7 Bankruptcy Process in Mobile

Talk to Our Mobile Chapter 7 Bankruptcy Attorney Today

Often, individuals believe bankruptcy is only a last resort when it comes to high debt and poor credit. While not without some consequences, bankruptcy can actually provide much-needed relief to people who are constantly pressured by creditors, who are under investigation by the IRS, or who are faced with foreclosure.

At Ryan Legal Services, we have been representing clients in bankruptcy matters since 1998. We represent individuals in Chapter 7 and Chapter 13 Bankruptcy matters in cities such as Mobile, Robertsdale, and the greater Baldwin County. Our team takes the time to clearly explain bankruptcy laws so the client can make informed decisions about their case. Whatever they choose, we stand by our clients and protect their rights.

Get that fresh financial start you deserve – call (251) 241-5234 to speak with our Mobile chapter 7 bankruptcy attorney today.

Understanding Chapter 7 Bankruptcy in Mobile & Baldwin County

A Chapter 7 bankruptcy case is a liquidation bankruptcy. Liquidation is a procedure wherein a Trustee is appointed to represent your general unsecured creditors from a panel of Trustees hired and supervised by the United States Bankruptcy Court Bankruptcy Case Administrator. The State of Alabama and North Carolina are currently the only states who utilize a Bankruptcy Administrator. All other states operate their Bankruptcy Trustee program through the United States Department of Justice, Office of the United States Trustee.

In Alabama, the Bankruptcy Courts supervise the Bankruptcy Administrator rather than the United States Department of Justice Office of the U.S. Trustee (“the Trustee program”). The law and role of a panel trustee in a Chapter 7 case are basically the same in every state, regardless of whether the Bankruptcy Administrator or the United States Department of Justice Office of the U.S. Trustee is overseeing the panel trustee. The panel trustee is a liquidator.

You may ask yourself, “why would I want to liquidate everything I own?” That is a commonly asked question when a person thinks about contacting a Chapter 7 bankruptcy attorney. The best answer is that you would not be submitting to a Trustee who sells all of your property. Alabama law provides the legal protections mentioned earlier called “exemptions.” It cannot be stressed enough the importance of consulting with a lawyer who fully understands how these exemptions apply to your particular circumstances.

Secure your financial future by calling (251) 241-5234 and discussing your case with our Mobile Chapter 7 bankruptcy lawyer.

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