Northeast Alabama Chapter 13 Bankruptcy Attorneys

Chapter 13 Services Start at $0 Down. Serving Calhoun, Talladega, Etowah, Marshall, Dekalb, Cleburne, Clay, St. Clair & Cherokee Counties

At Cobb Law Firm, LLC, we genuinely care about our clients and their financial and personal success. Bankruptcy may feel like a daunting process, but it is also what will help you and your family recover from your financial mess. Chapter 13 bankruptcy is a useful option for repaying your debts and regaining that financial footing you once had. Our firm is committed to helping clients get back on their feet, and we offer Chapter 13 services starting at $0 down, in most cases. After all, why should legal help be expensive, especially when you are already in a tight financial situation? We offer the lowest price in Northeast Alabama because we genuinely want to help.

What Is Chapter 13 Bankruptcy?

Generally, individuals who file for Chapter 13 bankruptcy (also referred to debt consolidation) are those who have a regular income flow. Chapter 13 allows the debtor to retain their property and pay all or part of their debts over a 3 to 5 year period. 

For dedicated, experienced, and professional Chapter 13 bankruptcy lawyers, give us a call at (256) 733-6102. Free consultations are available.

The Debt Repayment Plan

The Chapter 13 process requires a debtor to file a repayment plan with the Court for approval. The repayment plan lays which creditors are being paid and how much they are being paid. The debtor is then responsible for making regular payments to the trustee. 

The trustee will be responsible for collecting payments from the debtor and distributing payments to the creditors according to the terms of the repayment plan. The debtors themselves will likely have no direct contact with their creditors while under Chapter 13 protection.

Once all payments under the plan have been made, the debtor will be entitled to a discharge that, with a few exceptions, essentially releases them from all debts addressed in the plan. However, it is best to consult an experienced Chapter 13 lawyer at this stage to ensure all the requirements of the plan have been met and to navigate the discharge process.

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Why File Chapter 13?

There are a few advantages to filing Chapter 13 bankruptcy.. For one, Chapter 13 allows individuals to save their homes from foreclosure and make all their delinquent mortgage payments over time. Chapter 13 can also protect your vehicle while you catch up on payments and get the vehicle paid in full.  A Chapter 13 also allows  you to reschedule secured debts and extend them over the lifetime of the approved repayment plan, often at a lower interest rate than what you are currently paying, which may actually reduce the payments. 

Chapter 13 also provides important protection against collection actions. As outlined in 11 U.S.C. Sec. 362, Chapter 13 bankruptcy stops most collection actions against the debtor and their property, which can help you retain some sort of “normal” as you work on paying off your debts (note that 11 U.S.C. Sec. 362 lists some actions Chapter 13 may not halt, such as child custody cases).

Let Cobb Law Firm, LLC Help You Regan Your Financial Freedom

If you seek to file Chapter 13 bankruptcy in Northeast Alabama, contact Cobb Law Firm, LLC for legal assistance. We have been helping clients resolve their debts for decades and are intimately familiar with the legal process. We will foster a comfortable and warm office environment and guide you and your family through your financial hardship. 

Put a Cobb on the job. For the lowest cost of representation in the county, contact our firm at (256) 733-6102 to discuss your next steps during a free consultation.


We Maintain The Lowest Cost of Representation in Northeast, AL We offer clients affordable and attainable legal help during what can feel like an overwhelming time. We serve the Calhoun, Talladega, Etowah, Marshall, Dekalb, Cleburne, Clay, St. Clair and Cherokee Counties.

Find Peace of Mind at a Low Cost

  • File debt consolidation bankruptcy with $0 down.
  • File Debt relief bankruptcy starting at $575.
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