Practice Areas Overview

Experienced Bankruptcy Representation

At Brent W. Davis, L.L.C. in Birmingham, Alabama, we focus on the following aspects of bankruptcy law:

Personal Bankruptcy

Chapter 7 is the core of our practice. If your goal is to eliminate your debt and have a fresh start, then filing Chapter 7 bankruptcy may be your best option. However, if you have massive debts, and do not want to lose assets like your car or house, Chapter 13 may be your best option.

Business Bankruptcy

Like individuals, small businesses can fall prey to excessive and unmanageable debt. Chapter 7 is available for businesses such as partnerships, corporations, and other entities. Chapter 13 is not an option for corporations or partnerships, but individuals who are self-employed or who run unincorporated businesses are eligible for Chapter 13.

Foreclosure & Real Estate

Not everyone who gets behind on their house payment is a deadbeat refusing to pay his or her bills. There are several scenarios in which generally hard-working, bill-paying individuals become unable to keep up with their payments. For example, an unexpected illness, loss of job, or divorce can cause financial strain. Regardless of your situation, we can help you get your finances in order so you can keep your house.

Adjustable Rate Mortgages

Adjustable Rate Mortgages (ARMs) usually start with low payments of pure interest or low interest. As it adjusts, your monthly payment can skyrocket and you may find yourself suddenly in a situation where you cannot afford your mortgage payment. Our firm will help you protect your home.

Fair Debt Collection Practices

In a word, creditors can be nasty. Many times, they employ harassing, threatening, and bullying collection tactics that violate the Fair Debt Collection Practices Act. Filing bankruptcy and providing them with the phone number of your lawyer can stop them immediately.

Credit Card Debt

The tactics used by credit card companies often take advantage of young and unsophisticated individuals who do not understand all the fine print. Credit card offers are passed out like fliers in a mall. Interest rates go up and fees are assessed following a late payment. Chapter 7 or 13 bankruptcy is a better option than a debt consolidation agency.

IRS / Student Loans

IRS and student loan debts are cannot be discharged in a Chapter 7 bankruptcy, which means they will not go away. With Chapter 13 bankruptcy, you can restructure debt so that there is more money available to pay the IRS and student loan debts. It may also be possible to freeze interest and penalties.

Truth in Lending Act

The Truth in Lending Act requires lenders to clearly specify the terms of a loan and how much the credit transaction will actually cost. Many lenders sell financial products that include insurance and payment protection. Many times, those "products" are fraudulent and what the consumer is buying is something completely worthless.

Social Security & Disability

If you have been denied your rightful Social Security Disability benefits, we can help you with the appeals process. Many times, people just give up after that initial decision and do not realize that an attorney experienced in this area can help.

For more information or to schedule an appointment regarding Chapter 7, Chapter 13, or other bankruptcy issues, please contact us.

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