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Debt Free.

Bankruptcy Lets You Move Forward

Attorney Available 7am – 9pm

Free Consultation

Birmingham Bankruptcy Attorney

Birmingham, Alabama

Talk to a Bankruptcy Lawyer – Free Consultation – House Calls Available*

* House Calls subject to eligibility. Costs apply. Call 205-989-1919 for details.

In addition to live in-office appointments, we are offering telephone client consultations. 

Chapter 7 Bankruptcy

Chapter 7

Private Bankruptcy and Liquidation for a Fresh Start

Chapter 13 Reorganization

Chapter 13

Debt Reorganization Under a Monthly Payment Plan

Foreclosure

Foreclosure

Preservation of the Family Home Is a Top Priority

Wage Garnishment

Wage Garnishment

How to Stop Wage Garnishment & Tax Liens

Car Reposession

Car Repossession

We Know All the Ways How You Can Keep Your Car

Debt Relief

Credit Report Disputes

Handling Disputes Against Experian, Equifax and Transunion

Find Relief from Debt

If you need an experienced Birmingham bankruptcy attorney, the professionals at Brent W. Davis & Associates, LLC can help you find relief from debt.

If you are unable to pay your monthly bills or are facing mounting debts, it may be time to speak to an experienced bankruptcy attorney. People suffering from debt have rights, and deserve to be treated with dignity. One of your primary rights is the legal option of filing bankruptcy. Many different debt relief options exist, depending on your particular circumstances. You can save your home from foreclosure using a court-protected repayment plan, or reorganize your personal debt and make it fit your budget, allowing you to eliminate debt and get a fresh start.

Brent W. Davis, L.L.C.

New Address:
2166 Pelham Parkway,
Pelham, AL 35124

Phone: (205) 989-1919

See Map (new window)

Available 7am - 9pm

Avvo Rating Very Good
Birmingham Bankruptcy Attorney

 

Student Loans and Your FHA Mortgage

Student Loans and Your FHA Mortgage: Don't Let Delinquency Derail Your Mortgage Loss Mitigation For many American homeowners, navigating the complexities of their mortgage and other debts can feel like a high-wire act. This is especially true when student loan debt...

Chapter 7 or Chapter 13 in Alabama?

Chapter 7 or Chapter 13 in Alabama? Find the Right Bankruptcy Path for Your Family's Fresh Start When you're exploring solutions to overwhelming debt, like persistent credit card balances or the struggle to keep up with vehicle payments, you'll likely encounter two...

Debunking Common Alabama Bankruptcy Myths

"I Heard That..." – Debunking Common Alabama Bankruptcy Myths So You Can Make Informed Choices When you're facing what feels like a mountain of debt – perhaps from high-interest credit cards or overwhelming vehicle loans – and you're working tirelessly to keep your...

Automatic Stay in Alabama

Finding Your Breath: How the Automatic Stay in Alabama Offers Immediate Protection from Creditors The phone rings, and your heart sinks. Another creditor? The mounting pressure of calls, the worry about your car, the struggle to manage household needs while juggling...

Rebuilding Your Credit After Bankruptcy

Rebuilding Your Credit Are you feeling overwhelmed by financial stress? The constant calls, mounting bills, and seemingly impossible debt can be crushing. For many, bankruptcy offers a necessary path to a fresh start. A primary concern is often, "What will this do to...

How to Choose the Right Bankruptcy Attorney in Birmingham

Navigating Financial Storms: How to Choose the Right Bankruptcy Attorney in Birmingham Financial hardship can feel like a relentless storm, leaving you overwhelmed and uncertain about the future. If you're facing mounting debt in Birmingham, Alabama, bankruptcy might...

Don’t Lose Your Alabama Home: How Bankruptcy Immediately Stops Foreclosure

How Bankruptcy Immediately Stops Foreclosure Facing foreclosure notices in Alabama? The fear and uncertainty can be paralyzing. You might feel like you're out of options as the possibility of losing your home looms. But before you give up hope, understand this: You...

Understanding Chapter 7 vs. Chapter 13: Which is Right for You?

Understanding Chapter 7 vs. Chapter 13: Which is Right for You? Feeling overwhelmed by debt? You’re not alone. Many individuals find themselves struggling under the weight of financial burdens, unsure of where to turn. If you're exploring bankruptcy as a potential...

What Will Happen to My Property During Bankruptcy?

Understanding Exemptions and Retention in Birmingham, Alabama When facing financial hardships, many people consider filing for bankruptcy as a way to regain control over their finances. However, one of the most common concerns potential clients have is, "What will...

From Rock Bottom to Rising Up

How Chapter 7 Bankruptcy Can Pave the Way to Credit Repair Facing overwhelming debt can feel like being trapped in a deep hole, and a damaged credit score often makes it even harder to climb out. Many people mistakenly believe that bankruptcy will permanently ruin...

How Will Bankruptcy Affect My Credit?

Understanding the Impact and Rebuilding Your Financial Future Filing for bankruptcy is a significant financial decision, and one of the primary concerns for many people is how it will affect their credit. Bankruptcy can have a lasting impact on your credit score, but...

How Long Does Bankruptcy Actually Take?

The Bankruptcy Timeline Feeling overwhelmed by debt? Bankruptcy might seem like a daunting process, but understanding the timeline can help ease your mind. Let's break it down: Chapter 7 (Liquidation): Generally the faster option, Chapter 7 typically takes 3-6 months...

What Happens When You Get Behind On Your Mortgage in Alabama?

Behind On Your Mortgage? Facing the threat of foreclosure can be one of the most stressful and overwhelming experiences a homeowner can encounter. The thought of losing your home, the place where you've created memories and built your life, is heart-wrenching....

Chapter 13 and Chapter 7: What Documents Do You Need?

What Documents Do You Need? Before diving into the documents required, it's important to understand the differences between Chapter 7 and Chapter 13 bankruptcy: Chapter 7 Bankruptcy: Often referred to as "liquidation bankruptcy," Chapter 7 involves selling non-exempt...

Don’t Let Foreclosure Steal Your Home!

Chapter 13 Bankruptcy Can Be Your Lifeline Are you facing the terrifying threat of mortgage foreclosure? Feeling overwhelmed by mounting debt and unsure where to turn? You're not alone. Thousands of homeowners find themselves in this difficult situation every year....

Stopping Foreclosure with Chapter 13

Stopping Foreclosure with Chapter 13 Foreclosure is one of the most frightening prospects a homeowner can face. The idea of losing your home, the place where you've built your life and created countless memories, can be heart-wrenching. However, there is a powerful...

Facing Foreclosure? Bankruptcy May Be Your Best Option to Save Your Home

Facing Foreclosure?  Are you an Alabama homeowner who is at risk of foreclosure? If so, you may have more options than you realize to avoid losing your home. One powerful tool that can help stop foreclosure proceedings is Chapter 13 bankruptcy. Chapter 13 Bankruptcy...

Chapter 7 Bankruptcy: Your Fresh Start in Alabama

Chapter 7 Bankruptcy: Your Fresh Start in Alabama Feeling overwhelmed by debt? Struggling to keep up with payments? Chapter 7 bankruptcy might be your solution to financial freedom. Let's break down how it works and what it means for you in Alabama. What is Chapter 7...

Breaking Free from Medical Debt: You’re Not Alone

Breaking Free from Medical Debt: You're Not Alone  A mountain of medical bills can feel overwhelming, but there's hope and help available. Did you know that medical debt is the leading cause of bankruptcy in America? You might be surprised to learn that nearly 2/3 of...

Your Friendly Neighborhood Bankruptcy Lawyers

Brent W. Davis and Associates LLC Makes House Calls*...

How Did These Credit Card Bills Get So Big, SO Fast?

Credit Card Bills Life has a way of sneaking up on us, doesn’t it? One moment, everything seems manageable, and the next, you’re staring at a mountain of credit card bills, wondering, “How did this happen?” You’re not alone in feeling this way. The reality is that...

Keep Your Home Safe from Creditors with Chapter 13

Keep Your Home with Chapter 13 Facing financial difficulties can be incredibly stressful, especially when it feels like your home is at risk. But there's good news for homeowners in Birmingham, AL: Chapter 13 bankruptcy can help you keep your house safe from...

Navigating Financial Challenges

Finding the Right Bankruptcy Lawyer in Birmingham, Alabama In today’s fast-paced world, financial stability can sometimes feel like a distant dream. For many of us balancing careers, families, and personal aspirations can be overwhelming, especially when unexpected...

Determining When Bankruptcy is Appropriate for You

Understanding when bankruptcy is a viable option is crucial. Over the past 23 years, my experience with Chapter 7 and Chapter 13 bankruptcy clients has revealed common indicators that suggest it might be time to seek debt relief. Here are five key signs: Age and...

I’ve Been up All Night Worrying About My Bills Again. What Can I Do?

Struggling With Debt A lot of people in Birmingham are struggling with debt. This is because of things like: High medical bills: Healthcare in the U.S. is really expensive. Even with insurance, people can end up with huge bills. Job loss or less money: When people...

How Long Does it Take to Get Out of Debt with Chapter 7?

How Long Does it Take to Get Out of Debt with Chapter 7? After filing Chapter 7 bankruptcy, there are a few steps before your debts are officially forgiven. First, you need to take some classes: You'll need to complete a credit counseling course before you file and a...

Bankruptcy Lawyers Can’t Bankrupt Your Student Loan, OR Can They?

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What Happens if I Fail the Means Test in Chapter 7 Bankruptcy?

What Happens if I Fail the Means Test ? The bankruptcy means test analyzes your income to determine whether or not you are eligible to file Chapter 7 bankruptcy. Consisting of two steps, the means test is used to determine if you have sufficient disposable income to...

Do You Qualify For An Exclusion From The Bankruptcy Means Test?

Exclusion From The Bankruptcy Means Test Some higher earning people may be concerned that the Chapter Seven bankruptcy Means Test would prevent them from getting protection from debts. The recently announced extension of the National Guard and Reservists Debt Relief...

Holiday Spending Can Come at a High Cost

Holiday spending will come at a high cost if it means adding on additional credit card debt just as interest rates rise. With Credit Cards at 36% interest means you’ll spend 28 years paying off a $5,000 debt. We can use bankruptcy law to keep your property safe and...

Free Consultation

Come in now for a free consultation. We provide personal, handcrafted debt management and debt elimination advice to good people going through hard times.

The law office of Brent W. Davis & Associates, LLC serves clients from our office in Birmingham – Indian Springs Village (see map). Our law practice focuses almost exclusively on debt relief and consumer protection. Senior bankruptcy and foreclosure prevention attorney Brent W. Davis has more than two decades of bankruptcy legal experience. We provide personalized bankruptcy-related services in a welcoming environment. We will work hard to solve your financial problems and get you back on your feet.

At Brent W. Davis & Associates, LLC, we help clients file for business debt relief and personal bankruptcy, and we monitor our clients’ creditors to ensure they follow fair lending laws and debt collection regulations. If you are behind on mortgage payments or facing foreclosure, we can explain the foreclosure alternatives and help you save your home or escape an “underwater” mortgage.

Do You Qualify for Bankruptcy?

Yes! Our Founding Fathers wisely included bankruptcy protections in the United States Constitution. In recent years there have been changes to the bankruptcy law. Fortunately, these changes turned out to be “more bark than bite.” The law still allows Americans all of the same Chapter 7 bankruptcy as before.

Your First Step To A Fresh Start

For more information about stopping foreclosure, filing bankruptcy, or to schedule an appointment, please contact us or come to our office in Birmingham – Homewood or Pelham.

Birmingham bankruptcy attorney Brent W. Davis will give you the personalized attention you need to turn a new leaf.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.