Bankruptcy Attorney
We Can Help You with Chapter 7 and Chapter 13
Bankruptcy Filing Options
Call Us Today to Schedule a Meeting with an Experienced Attorney
Call Us Today to Schedule a Meeting with an Experienced Attorney
Is Bankruptcy The Right Decision For You?
- Stop creditors from harassing you
- Stop wage garnishments
- Stop foreclosure
- Stop repossessions
- Repay debt with court protection or discharge it
Bankruptcy Law Attorney in Athens, AL
When financial burdens become overwhelming, you need a legal partner you can trust. At Stephen G. Campbell, P.C., we provide expert guidance and personalized support to individuals and families seeking a fresh start. As a seasoned bankruptcy law attorney in Athens, AL, Attorney Campbell brings over three decades of experience in helping clients make informed decisions and navigate every step of the bankruptcy process with confidence.
Frequently Asked Questions about Bankruptcy Law in Athens, AL
1. Do I need a bankruptcy law attorney in Athens, AL, to file for bankruptcy?
While you can file on your own, bankruptcy laws are complex. Having an experienced bankruptcy law attorney in Athens, AL, like Stephen G. Campbell, can protect your assets, ensure accurate filings, and increase your chances of success.
2. What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 involves liquidation of non-exempt assets to pay off debts, often resulting in total debt discharge. Chapter 13 is a reorganization plan that allows you to repay debts over 3 to 5 years. We'll help determine which is right for you.
3. Will filing for bankruptcy stop creditor harassment?
Yes. Filing initiates an “automatic stay,” which immediately halts creditor calls, wage garnishments, lawsuits, and foreclosures.
4. Will I lose everything if I file for bankruptcy?
Not at all. Many clients keep their homes, vehicles, and personal property. Our team works to protect your essential assets while resolving your debts.
5. How long does bankruptcy affect my credit?
A Chapter 7 filing can remain on your credit report for up to 10 years, and Chapter 13 for up to 7 years. However, many clients start rebuilding credit within a year of filing.