Is it a Consideration?
Bankruptcy
Unfortunately, at times, people are faced with the unfortunate situation of having more debt than they can handle.
Contrary to credit card company assertions, most people do not intentionally and willingly overspend so that they cannot meet their financial obligations. Generally, unexpected expenses like medical emergencies, loss of jobs, wrecks with uninsured motorists, etc., cause sudden unexpected financial obligations that we cannot reasonably meet.
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Overview
Bankruptcy Prevents Your Creditors From Harassing You
Once a petition for bankruptcy is filed, a bankruptcy carries an “automatic stay”, which prevents your creditors from taking any further debt collection efforts including harassing you to pay the debts. Creditors cannot initiate nor continue any lawsuits, wage garnishments, or even telephone calls demanding payments
What About my House and Car?
Secured creditors, who make car loans, mortgage loans, etc., are treated differently than unsecured creditors like credit card companies or medical providers. Generally, secured creditors can have the automatic stay lifted if you are not current with your payments or if you cannot reasonably be expected to make your payments. If you are up to date on those payments to secured creditors and you have a good payment history, generally they will allow you to reaffirm your debt to them so that you can keep your home or car.Do you need an Attorney in one of the Following Cities?
Everything about our firm is geared toward meeting the needs of our clients. Select a city near you for information specific to your area.
98%
SUCCESS RATE
Recent Successes
$1.7 Million
$1,700,000.00 settlement with a commercial cleaning company. The father of a young family fell as a result of not being warned of a wet floor. Because of his injuries we were able to show he was permanently disabled from performing his occupation.April 10, 2019 • Personal Injury
$1.5 Million
A workers’ compensation trial in the Circuit Court of Etowah County ended in a permanent and total disability verdict for our client. This would result in a lifetime payout of over 1.5 million dollars.November 30, 2018 • Worker's Compensation
$155,000
$155,000.00 settlement for a wife and husband where the wife was injured in a side impact collision car wreck. The wife was severely injured had several surgeries. Fortunately, we were able to get the insurance reimbursement amount cut in half.November 21, 2018 • Car Wreck
$287,000
Worker’s compensation settlement hearing where our client was permanently disabled as result of his on the job injury. Instead of a weekly payout over the course of his life, he is accepting a lump sum of $287,000.00.May 15, 2019 • Worker's Compensation
MEMBER
We care about our clients as people. We treat everyone as we would want to be treated. That is something that has enabled us to effectively practice law for more than two decades.
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Great attorney, would recommend him to anyone!! Great workers comp attorney as well!! Thank you for helping us through some rough times!!
Brooke Durham
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Phillip miles is too me in my family the best Attorney in Gadsden. He cares about the people.
Levorn Davis
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The attention Philip has given our business is second to none. He is very detailed and super easy to work with. I would recommend Philip to any business needing an attorney.
Jason Guinn
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Great lawyer. He helped me with my case and treated me fairly. I felt heard and important. If you need a lawyer call him.
Missy
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Great professional service. Friendly group working hard for you. Have used for years. He always goes extra mile to get every thing the law says you are owed. Very easy to talk to and explains complex legal jargon so normal people can understand. Highly recommend this Firm. Good People
Missy
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Phillip miles is too me in my family the best Attorney in Gadsden. He cares about the people.
Miaa Murry
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