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We provide free consultations to help clients consider alternatives to bankruptcy such as reinstatement of your loan, restructuring, refinancing, business loans, sale, and other options you may have to preserve your assets and avoid bankruptcy. 

Careful consideration of the meaning, effect and type of bankruptcy is important. 
Attorney Jimmy Ray Earley will guide you through this important decision.

Alabama Chapter 7 and 13 Bankruptcy Protection

Some people are frightened because they think Bankruptcy is a scar they will never get over. Other people think “its no big deal.” They are both wrong.

With the current economic crisis many Alabamians are falling behind and some can’t make rent or mortgage payments. Defaults and Foreclosures are rising at alarming rates. While it is not right for all cases, bankruptcy may be the best option for relief and the best way to save your home, stop repossession, wage garnishment and the stress that comes with each of these.

Thousands of Alabama citizens have found debt relief from Chapter 7 and 13 bankruptcy. Attorney Jimmy Earley is one of the few Alabama attorneys qualified to help with these financial issues and provide advice and guide you through the bankruptcy process.


There are many benefits of Chapter 7 bankruptcy for people faced with debt, including:

  • Fresh financial start

  • Opportunity to rebuild credit

  • An automatic stay to stop collection efforts

  • Possibility of saving home from foreclosure

  • Stop to repossession and wage garnishment

Unlike some debt consolidation scams that take advantage of people at their most vulnerable, we can help you find real solutions, not quick fixes that will leave you in worse shape. Bankruptcy can protect you and when you are ready to begin the process, it is important to speak with a lawyer. We even have monthly payment plans to help you get back on your feet if you are facing foreclosure.


Schedule a Free Consultation

We help people file for bankruptcy relief under the Bankruptcy Code if necessary. If you are facing foreclosure, contact Attorney Jimmy Earley for a free consultation. 

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