Steve D. – Chapter 7 Bankruptcy

Have you ever found yourself trying to figure out how to accomplish something without any resources to accomplish the task? For me, that task was paying on a massive amount of debt – not only debt that I incurred myself, but also my father’s debt that was passed down to me. Keep in mind that I was in my early twenties starting with a family of my own. This is how filing for Chapter 7 Bankruptcy has impacted me and my family. But first, I have to give you a quick tour of how I got into the situation.

My father was in his seventies when he was diagnosed with dementia and was unable to take care of himself. I had no other family to take care of my father, and I was an only child; so it was up to me to accomplish providing care for him. In addition, I had just started a new job that was very taxing on my time and made care for my father even more difficult. To add to it even more, I was also living with my wife in another town, adding a one hour commute to see my father. Then came the day he started having falling accidents which made it necessary for him to be in a nursing home. This required that all of his assets be sold and all proceeds went to my father’s care. His house did not sell, and my father’s money was used to pay the $5,500 per month charge for care. With my back against the wall, I had no other choice but to talk with an attorney regarding bankruptcy options.

Once we had everything laid out to determine the best route, the lawyer recommended chapter 7 due to the amount and the house foreclosure. Until then, I would have never understood the relief I felt after the decision was made and the bankruptcy process started. I was able to breathe and start my life over. Granted, my credit took a massive hit, but my sanity and family was much better off. From here, I was able to get back on my feet and finally accomplish moving forward in my life; I finished my education and kept my career intact due to the efforts of my attorney. I thought I would have felt shame, but instead I felt forgiveness. This option comes with consequences, but it was better than losing everything.

What I can say about bankruptcy is that it should never be taken lightly. It should be a tool that, based on your situation, gives a second chance like in my case. It did prevent me from making some financial decisions right away, but it provided a clear path to eventually get there. Overall, the process made me a better person.

Mary Beth T. – Chapter 13 Bankruptcy

When we filed bankruptcy, our financial situation was was tough. We had massive student loan debts, and we had run up a large amount of credit card debt trying to pay for everything we didn’t actually have money to buy. My husband owned his own company and was working hard, but the money just wasn’t coming in the way we needed. I was a stay at home mom with two children under 3. I tried to go back to work, but it was difficult to find a job that paid enough to cover the cost of daycare for two little ones and still have money to pay other bills. I remember going grocery shopping and having to choose certain things over others because money was so tight. When a child got sick, I not only worried about their wellbeing, but also about how I was going to pay for doctor’s visits or medications they needed. I received constant calls from my credit card companies wanting payments, each of them making my anxiety a little worse. I got to where I dreaded to hear the phone ring. Most of my conversations with my husband were about my worrying about our financial situation, which just added more stress to him.

When my husband suggested bankruptcy, I didn’t want to hear it. I felt like it was admitting defeat, and that we would never recover from something like that. I had never heard anything good about bankruptcy. But I felt we had nowhere else to turn, so I finally agreed to meet with an attorney.

As soon as we filed bankruptcy, all of the phone calls from the credit card companies stopped. We were set up on a payment plan where we were able to make one monthly payment to all of our creditors, leaving us with enough money to create a budget and start buying the things we needed again. And with our plan we were able to keep our house and car, too. Our credit scores took a hit, but we learned to live off of the money we had and not use credit. Bankruptcy gave us room to breathe and get back on our feet, and it helped us learn how to better budget our money.

Now that our bankruptcy is over, we have been able to build up a savings account again. We also have been able to purchase a new home that better fits our family’s needs. And when emergencies come up, we don’t have to worry as much because we know we can find a way to pay for them. What I thought was one of the worst times of my life is probably one of the best things that happened to me. I am thankful for the relief and time to reset that bankruptcy gave me and all of the lessons I learned along the way.

MSgt. Kenneth Johnson
Mr. Matthew Davis at Alabama Bankruptcy Relief Center is a very knowledgeable and accomplished attorney who’s number one priority is to help people get back on their feet after suffering unfortunate circumstances. I highly recommend Mr. Davis and his staff at Alabama Bankruptcy Relief Center.

Teresa Rothermel
Matt is very knowledgeable, and always so pleasant to talk with. He has always taken the time to answer my questions, and made sure I had a thorough understanding of the processes and procedures. Best of all, he treats you like you are his most important client! I would highly recommend him to anyone needing his services.

Captain Charisma
Attorney Davis was able to not only overcome my legal issues but was a great advocate to help better myself. I truly appreciate his sound wisdom and legal expertise.

Bryant Welch
Attorney Davis is an awesome attorney. He is very knowledgeable about the law and provides his clients with excellent legal service.

Gary Vaughan
My experience at Alabama Bankruptcy Relief Center was an excellent one. Mr. Davis was very empathetic and professional. He performed the services I needed quickly and accurately. I would highly recommend Mr. Davis.

Will Grafton
Matt is an excellent attorney who puts in the extra effort to make sure his clients matters get the proper care they deserve. He and his team make their clients feel like a priority. His dedication to his clients and his community are self-evident. I can’t recommend him highly enough.

Kelly Grafton
I highly recommend Matt Davis. He does a fantastic job taking clients through bankruptcy. And, more importantly, he really cares about his clients. You won’t find better in Alabama!

Charles Laputka
Attorney Davis is a very knowledgeable and compassionate colleague of mine. I do not hesitate to refer clients to his office because I know they will be treated with the dignity and respect they deserve and served by an incredible attorney.

Teri Westbrook
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Platinum King
Matthew Davis is a excellent lawyer he was able to get my money back from garnishment. Within weeks he stop them from garnishing my wages. He was very kind and patient and walked me through the process making sure that I understood what was going on. He stop harassing phone calls from bill collectors.

Mary Jones
My experience with Alabama Bankruptcy Relief Center is totally enlightening by the honest professional and quickly on point staff members. From start to finish the staff kept me up to date on my case. Even though I realize that they had or have countless other cases I always felt like my case was top priority. Hats off to Mr Matt Davis, Mr Brian Andrews and The collaborate attorney ‘s team and staff members, for all of your long tireless hours of hard work , just to make sure that I was okay. For this I am truly grateful I pray God’s Blessings upon each of You. The Alabama Bankruptcy Relief Center staff is second to none, they are on point getting the job done. To this date this is how I really feel about Alabama Bankruptcy Relief Center. I call them with hope ,trusting that there was a way to get financially back on track and in God’s will the staff took my information and did the job that God has anointed them to do. It is just something really special about their staff the whole team working together no matter where they are they come through having the best solution for me, my case , my unique situation. I applaud their journey in life of seriously helping people and if there is history to be made or written on their Journey so be it . One could say my case is different, that may very well be , and probably is , but there is one thing that you all can look forward to from Alabama Bankruptcy Relief Center that is they honestly protects your rights. Now That I Truly Appreciate! With Kind Regards , I Thank You All 💜

Karen Kirby
Matt is professional and very knowledgeable. He provided all the information I needed to make a good decision about my financial situation. I highly recommend anyone take the time to talk to and work with this company.