About Bankruptcy

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Don’t let the credit card companies and uninformed media sources scare you. Bankruptcy relief is still available. Contact me today to see if you qualify.

Credit card companies and debt collectors are promoting the myth that bankruptcy has been eliminated as an option. These scare tactics are being used to discourage debtors from seeking legal advice. Even some media sources, including personal finance “expert” Suze Orman, have falsely reported that Chapter 7 bankruptcy has been completely eliminated for people that earn more than their state median income. These reports are FALSE!

Call our office today to learn the truth about bankruptcy reform. You have found the right law firm if you are considering filing for bankruptcy protection in the Mobile, Alabama area.

At A. Cooper Attorney at Law, LLC, we represent individual consumers that need debt relief and desire to either completely eliminate debt and certain contract obligations, or reorganize by lowering debt payments. You have legal rights! Understanding what those rights are and the options available to you is the first step to a finding a solution. We are committed to helping you find that solution. Let us help you decide whether bankruptcy is right for you.

Don’t spend another minute worrying – contact us at 251.300.2220 or use the form on the right, and schedule a no-cost consultation to find out the truth about your individual situation.

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What to bring to your appointment

First, download our questionnaire, fill it out and bring it with you. Make sure you also read the Bankruptcy Notices.

In addition to the list of creditors, schedules of assets, liabilities, income and expenses, you should bring to your bankruptcy evaluation:

  • Pay stubs for the 6 months before filing your case.
  • Tax returns or transcripts for the most recent year.
  • Last two months of bills.
  • A recent credit report. (You can receive one free at www.annualcreditreport.com) NOTE: This is the only website guaranteed to provide legitimate free credit reports – you should NEVER have to give your credit card information!

Time between filing bankruptcy cases

You will not be eligible to receive a discharge of your debts in Chapter 7 if you have filed a Chapter 7, 11, or 12 bankruptcy case within the 4 years prior to the date of filing the pending case, or if you have filed a chapter 13 case within 2 years of the pending case.

There are numerous new restrictions in the bankruptcy law – I can help you navigate through the maze. Contact me today and put your mind at ease.