It’s time to stop worrying about debt.
Our attorneys and staff pride ourselves in our ability to treat each case as an opportunity to help somebody create a new financial future for themselves and start fresh without stress. Bond & Botes attorneys have helped guide over 100,000 individuals and married couples through the bankruptcy process to get the relief they needed at a time they needed it most. Not looking for bankruptcy? We can also help through other solutions like debt settlement and debt negotiation, among others. See how we can help you.
Fixing your financial situation doesn’t have to be complicated or stressful
The experienced attorneys at Bond & Botes, P.C. have helped over 100,000 individuals and married couples recover from debt throughout Tennessee, Mississippi, and Alabama over our 30 years of doing business. The process is straightforward, and we’ll be there to help you along every step of the way.
- Schedule a free, no-obligation, and entirely confidential consultation with one of our attorneys. Your appointment will always be with an attorney and in person. Never with a secretary or paralegal and never over the internet from some unknown location. We’ll go over what you’re struggling with face to face, and put together the most viable plan for you to see your issues resolved.
- Retain our firm to begin the process of recovery. Once we’re retained, we’ll be able to represent you and protect you from any ongoing creditor harassment. Once we’re on your team, your creditors become our problem, not yours.
- Handle your case, and legally get rid of your debts. Once this stage is complete, your creditors are a thing of the past.
Bankruptcy may be the right choice
We get it, bankruptcy can be an intimidating word that has a lot attached to it. By the time you’re considering bankruptcy, you’ve likely been harassed by collectors, have struggled to pay a bill on time, or have been threatened by lawsuits by creditors. Bankruptcy can help make all of that go away. As scary as it may seem, bankruptcy offers a way to start fresh. No more harassing creditor calls, no more debts, just a blank slate.
If you’ve heard of bankruptcy, you probably know that there are two main types that are useful for consumers: Chapter 7, and Chapter 13. We’ll work together to choose which is most efficient for your individual needs (if bankruptcy is indeed the best solution for you), but rest assured that both protect you from creditors throughout the process. Repossessions, foreclosures, and collection attempts must all be stopped for the duration of your case.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is known for its ability to have all qualifying debts discharged, which simply means you will never have to pay them. Many of our clients that qualify for Chapter 7 specifically report that they feel like they’re buried in debt, and climbing out from under it seems impossible. At this point, a fresh start feels like the only way out.
In order to qualify for a Chapter 7 bankruptcy specifically you’ll first have to take part in what’s called a “means test” to make sure it’s a valid option for you. Each state has different rules and regulations for qualifying, so it’s best to have a knowledgeable attorney at your side to handle this for you. It takes into account things like your house and car, which you may be able to keep after completing the process.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is the type of bankruptcy perfect if you’re struggling to pay the minimum payments on your credit cards, your car payments are behind, and you can’t seem to pay your mortgage on time.
One of the most common types of bankruptcy filed, Chapter 13 allows you to reorganize your debts entirely. The moment Chapter 13 is filed, harassing phone calls will stop, as will mailed notices to your home. Actions filed against you like foreclosures, wage garnishments, and repossessions will stop as well. We’ll work together to put create a payment plan negotiated with your creditors that will have you caught up on all of your debts within 3 to 5 debts.
About Bond & Botes, P.C.
Bond & Botes, P.C. is a law firm with offices in Alabama, Mississippi, and Tennessee. We offer free consultations to anyone looking to help create a new financial future for themselves and start a life debt free.
Board Certified attorneys like Brad Botes and Ron Sykstus who alone have a combined 60 plus years of practicing bankruptcy will guide you through every step of the process. Our staff will help give your case the personal attention it deserves so that you get the debt plan and outcome that’s best for you specifically. Some of us have been practicing bankruptcy since before the means test was even introduced, so you can be sure you have the best of the best in your corner with the knowledge needed to get you through.
If you have any questions about the process whatsoever, don’t hesitate to give us a call at 1-877-581-3396, or use the form on this page to get in touch.