To STOP These Problems...

Stop Sign
  • Personal Loans
  • Payday Loans
  • Garnishments/Lawsuits
  • Car Loans
  • Credit Cards
  • Medical Bills
  • Foreclosure
  • Bad Debt Consolidations

You need a "Cobb on the Job"!

File debt consolidation bankruptcy with $0 down.

File Debt relief bankruptcy starting at $575!

CALL or TEXT now for a FREE consultation!

Years Experience

Trusted Clients

Debts Gone

Frequently Asked Questions

What is the difference between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy?

The purpose of Chapter 7 Bankruptcy is to eliminate your debts. It typically lasts four months and will eliminate all your debts except students loans, taxes, child support, and alimony. The purpose of Chapter 13 Bankruptcy is to enable you to catch up on debts on which you are behind and consolidate them into a regular payment that you can afford. The typical Chapter 13 Bankruptcy lasts three years, but it can last as long as five years. Chapter 13 Bankruptcy is typically used to catch up on house and car payments.

Can I keep my home and/or my car?

YES!!! Chapter 7 and Chapter 13 Bankruptcies are designed to protect your home and car.

How much will bankruptcy cost?

If your income is low and you only need to eliminate your debts, $575 will be the total cost at the Cobb Law Firm, LLC. This includes both credit counseling certificates and a combined credit report. If your income is not low and/or you do not want to eliminate the debt on your home or cars, then there may be additional fees. Chapter 13 Bankruptcy is $0 down to start. There may be additional fees if you are not working and/or have prior Chapter 13 Bankruptcy failures. By law, your Chapter 13 Bankruptcy payments have to be low enough that you can afford it.

Does my spouse have to file with me?


How long will my credit be ruined?

In Chapter 7 Bankruptcy, you can start building your credit again the day after you file. In Chapter 13 Bankruptcy, you can start building your credit again the day after you finish the bankruptcy program.

Can the personal loan companies repossess my household goods?

No. Bankruptcy law forbids the repossession of household goods by personal loan companies.

How long will it take to get a foreclosure, repossession, or garnishments stopped?

The minute you file, all of these will stop. It may also be possible to get the wages garnished during the 90 days before you filed bankruptcy refunded.

Free Consultation

We'll Contact You To Schedule A Meeting

Our Offices

Meetings can be set up at any of these offices.

Oxford Office Address

90 Friendship Road
Oxford, AL 36203
Mobile: 1-256-676-2322

Gadsden Office Address

612 South 4th Street
Gadsden, AL 35901
Mobile: 1-256-676-2322

Geraldine Office Address

41306 Alabama Highway 75
Geraldine, AL 35974
Mobile: 1-256-676-2322

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