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 8: The Discharge

The following program was produced by the United States Courts.

Again debtors are usually able to discharge most or all of their debts. To get a discharge, you must fulfill certain duties including the completion of a financial management course after the case is filed. When you take this course depends on the chapter of your bankruptcy case. As with pre-bankruptcy credit counseling, you can find approved providers of this course by calling the bankruptcy court in your area or by accessing a list posted on the bankruptcy Court’s website. The cost of the course varies. Some agencies will reduce or waive the cost depending on your circumstances.

The discharge prohibits creditors from taking any action including sending a letter or filing a lawsuit to collect a discharged debt. Once you get your discharge creditors may not attempt to collect any discharged debt from you. If they do you can file a motion with the court reporting the action and asking that your case be reopened to address the matter. If the Court finds a creditor has violated the discharge it may fine the creditor, require the Creditor to pay your legal fees, or take other action. The discharge does not prevent you from voluntarily paying a debt for personal or other reasons.

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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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The sellers law firm is the best in Alabama they are friendly and very professional from the attorneys to the people in the office. They where very helpful throughout the whole process and even after it was over. So if you are in need for a bankruptcy firm give Brandon sellers a call you won't be disappointed Thank you Again Brian Floyd
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