Many Alabamians will be facing financial problems as a result of the Coronavirus pandemic. Because of this, we are not charging any upfront fees or costs to file a Chapter 13. We hope that by doing this that we are able to help families keep their cars, homes, and paychecks.

American Bar Association
Alabama State Bar
Alabama Criminal Defense Lawyers Association
National Association of Consumers Bankruptcy Attorneys

Bankruptcy Basics - Part 1: Introduction

The following program was produced by the United States Courts.

If you are considering bankruptcy, this video will give you basic information about the process, the relief it offers, and how to find the legal help you may need. Thank you for watching this video on bankruptcy basics. This video will explain what bankruptcy is and what happens in a bankruptcy case. This information is provided to help consumers. Individuals like you understand the bankruptcy process.

People who are having trouble paying their debts sometimes consider bankruptcy as a remedy for this situation. Bankruptcy is a legal process by which you can deal with your debts when you can no longer pay them.

By filing bankruptcy many individuals find that they're able to get most, if not all, bills discharged meaning wiped out, keep most if not all of their property, and or get extra time to pay bills if you have a regular income. An individual, called a debtor, usually files bankruptcy to obtain a discharge which will wipe out all or most of his or her debt, so they will not have to be paid.

A person may file alone or with the person's spouse. Once the bankruptcy begins creditors cannot try to collect debts from the bankruptcy debtor or sue the debtor to obtain a judgment. With a few exceptions, the creditors have no claim on the debtor’s future income or future assets.

Bankruptcy is not the only way to deal with too much debt. In some situations, another approach might be better. Alternatives may include an out-of-court settlement with creditors, reduction of payments to creditors, obtaining help from a Consumer Credit Counseling Service, or payment of debts by selling or borrowing on property. These alternatives however require some cooperation from creditors and are more likely to succeed if tried soon after financial difficulties begin.

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Brandon was my first choice for an attorney because he is part of the community and you see him at the local store or PTA meetings and he always has time for you and answer your concerns. Ronica Phifer
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The Sellers Law Firm represented me in my social security case, and later in my Chapter 7 bankruptcy. I have been very happy with all that you have done for me, and I refer people to you all the time. Thanks for all that you have done for me and my family. Angie Langford
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I would like to start out by saying Brandon sellers is more than a lawyer that has helped my family out in numerous occasions but he's also a great friend to our family. Whenever he can't find a resolution for the problem he always recommends somebody that can. I've known him for years grew up together always been really good friends. I like to say in closing I'm really glad I know him I'm glad he's been able to help us when we've needed him. Thanks for everything you've done. Timothy Palmer
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