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Chapter 13

Let The Sellers Law Firm Help You File For Chapter 13 Debt Consolidation

At the Sellers Law Firm, our experienced Montgomery bankruptcy lawyers and Selma bankruptcy lawyers can help you file for a Chapter 13 bankruptcy in Alabama letting you retain ownership of your important assets. If you are unable to pay off your current debt but have a stable income, you might benefit by joining the 15,000+ Montgomery area residents who are already improving their financial status with a pending Chapter 13 debt consolidation case. We don’t charge any attorney’s fee or court costs upfront in a Chapter 13 case!

What Happens to Your Debt With Chapter 13

While a Chapter 7 bankruptcy eliminates your debt in usually much less than a year, a Chapter 13 takes 3-5 years to process. During this time, you will make monthly payments to pay off your creditors and restore your credit. This form of bankruptcy is sometimes called "debtor's consolidation bankruptcy" or "repayment bankruptcy.” A Chapter 13 also allows you to pay the attorney fees and court costs in a monthly payment which is included in your Chapter 13 payment. A Chapter 13 and a Chapter 7 are the only debt relief options which give you a federal court order to protect you from the harassment of creditors or a repossession, foreclosure, or garnishment!

At The Sellers Law Firm, our Montgomery bankruptcy lawyers and Selma bankruptcy lawyers will help you review your debts, properties, assets and current income to determine if a Chapter 13 debt consolidation is the right choice for your financial plight. Most people only repay a small portion of their debt under this plan, and we usually find it to be the most effective option. In the Montgomery, Alabama area, around 85% of all cases filed are Chapter 13 cases. If you need immediate help, please call or text us at 334-LAWYERS (529-9377). You may also reach us by using the contact form on our website or by emailing us a Our phone lines are answered 24 hours a day and we can usually meet with you within 24 hours. All consultations are always free!

Protect Your Property and Your Sanity

The stress associated with debt grows as you fall further behind on your payments. Each month you may find that you ‘rob Peter to pay Paul.” However, with a Chapter 13 bankruptcy, you can put an end to the building pressures. The legal process will allow you to arrange payments that you can afford to clear your debt and stop the harassment that accompanies unpaid bills, repossessions, foreclosures, and garnishments.

You can protect your home from foreclosure and prevent creditors from repossessing the properties that you have purchased. Additionally, filing for this type of bankruptcy will impede embarrassing wage garnishments. Being able to stop foreclosures and help you keep your home is our goal. We can help protect your automobile as well. If you have fallen behind on car payments and are concerned about repossession, we can help you keep the car and often reduce the interest payments at the same time. Sometimes, we can even reduce the amount owed on the car to the actual value of the car.

Our entire legal team knows that this is a very stressful time for our clients; therefore, our goal is to be honest and straightforward about how we can help you! If a Chapter 7 or Chapter 13 is not the best option, we will explore other options which may be more beneficial to you and your family!

Which is Better: Chapter 7 or 13 Bankruptcy

Each type of bankruptcy has benefits and drawbacks that we can help you to understand. Our personalized services will help you to determine which is best for your current financial situation. Remember that every client’s financial situation is different. There is no “cookie cutter” answer and our bankruptcy lawyers want to speak to you in detail to learn about you and your financial issues. If you want to protect your home and car, then a Chapter 13 debt consolidation is usually a better choice. Consult with one of our experienced Montgomery bankruptcy lawyers and Selma bankruptcy lawyers.

Our experienced bankruptcy lawyers at The Sellers Law Firm practice throughout South and Central Alabama. Contact us today to arrange for a free consultation appointment. For many years, we heard the “near me” question. “Why don’t you have an office near me?” We answered that question by creating offices in Montgomery, Selma, Greenville, and Troy. We want to help you protect your assets and reclaim your financial health. Call or text us at 334-LAWYERS (334-529-9377) or use the Contact Form on our website to send us a message. Also, our phones are answered 24 hours a day, and we can usually meet with you within 24 hours of contacting us! Furthermore, you may even reach us on Facebook or email us at Remember that doing nothing changes nothing so act today!

The Sellers Law Firm is designated a debt relief agency by an Act of Congress and the President of the United States. We have proudly assisted people seeking relief under the U.S. Bankruptcy Code for four decades.

Client Reviews
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
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
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
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
I highly recommend Sellers Law Firm, they are fantastic and care about their clients. They walk you through step by step and advise you of your options. Sheila Wright