Birmingham Bankruptcy Lawyers

S. Scott Allums has years of experience assisting businesses, families, and individuals file for Chapter 7 or Chapter 13 bankruptcy in Birmingham and throughout Alabama.  With a process in place to directly serve your bankruptcy needs, he and his staff provide prompt, efficient service so you can stop worrying about your debts and start planning for your future. 

Clients meet directly with Mr. Allums, a dedicated and knowledgeable Birmingham bankruptcy attorney, during their first visit to our Bessemer office.  He carefully assesses your financial circumstances—examining a variety of documents, including pay stubs, tax returns, bills, divorce decrees, lease agreements, and bank account statements—to set up a debt relief plan best suited to your individual needs.  Mr. Allums stays with you through your entire bankruptcy case.  He attends your 341 meeting of creditors, works with your court-appointed trustee, and deals with creditors on your behalf.

Chapter 7 bankruptcy

Chapter 7 bankruptcy involves the liquidation of assets to pay off creditors and is frequently filed by individuals, married couples, and small businesses.  It is the simplest, most common type of bankruptcy.  As established in the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, prospective filers must take a means test to determine their eligibility for chapter 7 bankruptcy.  Debtors are granted an automatic stay immediately after filing a bankruptcy petition.  You must then attend a 341 meeting of creditors, when the court's chosen trustee questions you under oath about your property, assets, and debts. 

Chapter 13 bankruptcy

Chapter 13 bankruptcy is typically filed by individuals and sole proprietors who do not qualify for Chapter 7 under the means test.  It allows you to keep the majority of your assets as long as you are able to pay off your debts over the course of three to five years.  Chapter 13 bankruptcy is beneficial if you have significant assets you do not want to liquidate or non-dischargeable debts you must continue paying. 

Chapter 13 filers often have:

See our frequently asked questions page for information on filing for bankruptcy and what it can do for you.

Call on S. Scott Allums, P.C. for debt relief help from a qualified bankruptcy lawyer

Drowning in debt?  S. Scott Allums, P.C. can stop collectors from contacting you about outstanding bills.  Contact our firm for a free initial consultation to determine if bankruptcy is right for you.  We work with clients in Jefferson, Tuscaloosa, Shelby, Bibb, Walker, and Blount counties, including Birmingham, Alabama.

We are a debt relief agency.  We help people file bankruptcy under the Bankruptcy Code.