Business Details
23 Years
experience
Emergency
services
Your Trusted Montgomery Bankruptcy Lawyers
With over three decades of combined experience, our firm specializes in guiding individuals and businesses through complex financial challenges. We prioritize personalized client relationships, dedicating significant time to understand each client's unique circumstances before recommending tailored solutions. Our practice focuses on consumer and business bankruptcy, debt restructuring, and creditor negotiation, emphasizing transparency and ethical representation.We serve clients across south-central Alabama from three office locations, offering emergency appointments and comprehensive support throughout the legal process. Our team maintains active involvement in bankruptcy law developments to ensure our strategies remain current and effective.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Business Bankruptcy
Debt Collection Defense
Foreclosure Defense
Credit Card Debt Relief
Bankruptcy Consultation
Emergency Bankruptcy Filings
Financial Counseling
Legal Representation
Details
- Year established: 2003
Highlights and features
- We offer 30+ years of bankruptcy law experience with personalized client attention
- Our team provides free initial consultations and emergency bankruptcy filings
- We maintain active involvement in bankruptcy law developments and professional networks
- Our firm offers flexible appointment options including phone consultations
- We guarantee transparent communication about all available debt relief options
What people say
Professional service
Exceptional knowledge
Personalized attention
Effective representation
Thorough explanations
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation for qualifying individuals. This process typically takes 3-5 months to complete, offering a fresh financial start by eliminating unsecured debts. Our attorneys help protect exempt assets while navigating the means test requirements.
Chapter 13 Bankruptcy
Chapter 13 establishes structured repayment plans for debtors with regular income. This 3-5 year process allows debtors to retain assets while repaying creditors under court protection. Our firm specializes in creating feasible payment plans that meet both client needs and legal requirements.
Business Bankruptcy
We assist businesses with Chapter 7 liquidation or restructuring options. Our attorneys evaluate business structures to determine optimal bankruptcy strategies while protecting owner interests. Services include creditor negotiations and court representation for commercial debt resolution.
Foreclosure Defense
Our firm uses Chapter 13 bankruptcy to stop foreclosure proceedings and create catch-up payment plans. We help homeowners protect their properties by restructuring mortgage arrears while maintaining current payments through court-approved repayment schedules.
Credit Card Debt Relief
We specialize in eliminating credit card debt through bankruptcy proceedings. Our attorneys analyze debt composition to determine discharge eligibility while providing strategic alternatives for debt management and creditor negotiations outside bankruptcy.
People
Charles E. Grainger
Principal Attorney
With over 35 years of bankruptcy law experience, Charles Grainger leads our firm's client-centered approach. Former Alabama Secretary of State General Counsel, he specializes in complex debt restructuring cases while maintaining direct client involvement throughout each case.
Brad Hawley
Attorney
Brad Hawley focuses on consumer bankruptcy cases, bringing extensive courtroom experience to client representation. He works closely with clients to develop practical debt solutions while ensuring compliance with evolving bankruptcy regulations and court procedures.
Richard Shinbaum
Attorney
Richard Shinbaum specializes in business bankruptcy cases and commercial debt restructuring. His practice emphasizes protecting business assets during Chapter 7 proceedings while exploring viable reorganization alternatives for struggling enterprises.
Melanie Baker
Executive Manager/Paralegal
Melanie Baker coordinates client services and case management, ensuring smooth communication between clients and attorneys. With over 15 years in bankruptcy law, she provides essential case preparation support and client education throughout the legal process.
Tammy Bramlett
Paralegal
Tammy Bramlett assists with document preparation and court filings, maintaining detailed case organization. Her expertise ensures accurate submission of required bankruptcy documentation while providing client support during the information-gathering process.
Questions
What are the key differences between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation, while Chapter 13 establishes 3-5 year repayment plans. Qualification requirements differ based on income and debt levels, with Chapter 13 requiring regular income for structured payments.
How does bankruptcy affect credit scores?
While bankruptcy appears on credit reports for 7-10 years, it often improves debt-to-income ratios by eliminating obligations. Many clients rebuild credit within 1-2 years through responsible financial management following discharge.
Can bankruptcy stop foreclosure proceedings?
Chapter 13 bankruptcy immediately halts foreclosure, allowing homeowners to catch up on arrears through repayment plans while maintaining current mortgage payments outside the plan structure.
What debt relief alternatives exist outside bankruptcy?
Options include debt negotiation, settlement programs, and financial counseling. Our firm evaluates each client's situation to determine whether bankruptcy or alternative strategies better address their specific financial challenges.
How quickly can bankruptcy protection begin?
Emergency filings can be completed within days when facing imminent collection actions. We offer same-day consultations to develop immediate protection strategies for clients in urgent financial distress.
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