CULLMAN BANKRUPTCY ATTORNEY SERVICES
Below is a fairly complete list of the tasks we, as your Cullman Bankruptcy Lawyers may be called to do in your case. Remember that each case is different, and that not all of these tasks will be required in every case and that some cases may require additional tasks.
- Discuss with the client the possibility of bankruptcy or other options and the pros and cons of Chapter 7 and Chapter 13 bankruptcies.
- Gather from the client and review documentary evidence including credit reports, tax returns and check stubs.
- Assist in obtaining proper credit counseling as required by law.
- Gather from the client and review other documents, such as judgments, divorce decrees or garnishments.
- Analyze the legal issues, such as exemptions and dischargeability.
- Analyze your car and homeowners insurance policy to ascertain if it will provide adequate protection to your creditors.
- Analyze the validity of any liens in your case. Some creditors may assert liens in an attempt to be paid more than they are entitled to in your case.
- Prepare all schedules of assets, debts, income and expenses to be filed with the Court.
- Prepare all plans and other miscellaneous forms that must be filed with your case.
- File all appropriate documents with the Court.
- Notify creditors threatening legal action of commencement of case to stop any further proceedings such as foreclosure, repossession and garnishments.
- File to stop any lawsuits or garnishments in any state District or Circuit Court cases.
- Serve your proposed plan on all creditors.
- Review your file and appear at the meeting of the creditors with you.
- Analyze and, if necessary, amend your case to resolve any objections by creditors or the trustee.
- Prepare and appear if necessary at the confirmation hearing to obtain Court approval of your case.
- Analyze and prepare to defend any motions or other actions filed by creditors.
- Analyze and prepare any objections to claims filed by creditors in your case.
- Analyze and prepare any motion to avoid liens that you are legally entitled to avoid.
- Monitor case progress for problems and advise you of steps to take to avoid them and receive discharge.
- Analyze and prepare any motions requested by you such as incurring debt and keeping tax refunds.
- Review case closing documents and confirm discharge is completed.
- Enroll you into a credit rebuilding education program.