Protect your rights. Contact a Gadsden AL Bankruptcy lawyer

Chapter 7 bankruptcy is the quickest way for you to gain relief from your debts and begin the process of rebuilding your credit. Chapter 7 and Chapter 13 make up two of the main bankruptcy options available to individuals and small businesses that are seeking debt resolution.

Not everyone may qualify for Chapter 7 bankruptcy, especially under the conditions set in 2005 by the Bankruptcy Abuse Prevention and Consumer Protection Act. To find out if you are eligible for a Chapter 7 filing, contact Gadsden Chapter 7 bankruptcy lawyers Dani V. Bone & Sam D. Bone, Attorneys at Law today.

How We Help

We have a breadth of experience helping our clients overcome debt through the filing of Chapter 7 bankruptcy. While filing for a Chapter 7 bankruptcy may not be the right option for everyone, it may be beneficial for you. Our Gadsden Chapter 7 bankruptcy attorneys would be happy to discuss your case with you in more detail.

Eliminating Debt

Filing for Chapter 7 bankruptcy will eliminate all of your unsecured debts. This includes all debts that are not backed by any sort of physical property, such as your home, car, or any other large-ticket item. One of the largest debts that will disappear is credit card debt. Other payments that we be resolved include medical bills and lawsuit judgments.

In some special cases, income tax debts may be discharged – if they are over 3 years old and are on a return that was filed on time. Assessments filed against you may be discharged 240 days or more past the filing date.

The Liquidation Process

During the liquidation process of Chapter 7 bankruptcy, your estate, which includes physical property and other equitable interests, will be divided into two separate categories – exempt and non-exempt property. A portion or all of your non-exempt property will be sold and the proceeds of these sales will be used to pay off secured debts. Your exempt property, however, cannot be touched by the court.

It is important for you to understand and be prepared for this process. Gadsden Chapter 7 bankruptcy lawyer Dani V. Bone has the experience and knowledge necessary to alleviate your fears, answer your questions, and help you cope with this procedure.

Contact A Gadsden Alabama Bankruptcy Lawyer

If you have questions about bankruptcy, feel free to call or email to set up your free no obligation consultation. You may call our office at (256) 547-1005 or email at




1031 Forrest Ave
Gadsden, AL 35901



(256) 547-1005