Bankruptcy What Can We Do


Are you receiving endless calls day and night from bill collectors? Are your bills piling up, and you have no idea how you are going to pay them. Are you considering bankruptcy, but you are unsure of what to do? Are you looking for the light at the end of the tunnel? If you are having financial problems, the law firm of Ferguson & Ferguson is here to help.

At Ferguson & Ferguson our free bankruptcy consultations are conducted with one our bankruptcy attorneys, not a secretary or paralegal like many firms. Our Huntsville and Decatur bankruptcy lawyers will help you understand your Chapter 7 and Chapter 13 options. Chapter 7 bankruptcy, also called “straight bankruptcy” is a liquidation bankruptcy proceeding. The debtor turns over all non-exempt property to the bankruptcy trustee who converts it to cash to distribute to creditors. At the end of the proceeding the debtor receives a discharge of indebtedness for all dischargeable debts, releasing him or her from personal liability for those debts. Chapter 13 bankruptcy differs from Chapter 7 in the respect that it enables the debtor to keep assets like a house, while making payments to creditors based on the debtor’s anticipated income over the life of the plan. The debtor pays money to the trustee who pays the creditors through a three to five year plan. Our Alabama bankruptcy attorneys believe personal attention is required in such sensitive and often overwhelming situations. During said consultations we are able to listen to your story, review pertinent foreclosure information and documents, offer you advice and discuss your alternatives. Many times going bankrupt is not the solution. If bankruptcy is right for your situation however, our experienced bankruptcy staff can assist you in setting up credit counseling and in obtaining an up-to- date copy of your credit report so that the bankruptcy process goes smoother and is less stressful for you. No two bankruptcy cases are alike. Your case deserves personal attention from an experienced attorney and staff. If you are a consumer facing foreclosure, liens, lawsuits, repossession or wage garnishment, our experienced Huntsville and Decatur, Alabama bankruptcy lawyers can find the best option to help eliminate your debt.

What YOU get when you choose Ferguson & Ferguson:

  • Free phone consultation 7 a.m. to 7 p.m. and Saturdays
  • Free office consultation as late as 7 p.m. and Saturdays also
  • Fast filing same day available
  • Locations near you
  • No money down filing available for Chapter 13 plans
  • Payment plans you can afford available to fit your case
  • No hidden charges: some firms tack on $150 for what we do for free
  • Established bankruptcy law firm and staff.
  • We do both Chapter 7 and 13, some attorneys only do one Chapter.
  • We are in court all the time everywhere, it’s no trouble to help you out!
  • No phony debt settlement schemes: we work within the court system
  • Personal attention, happy clients, and a fresh start for you
  • Experience counts: we do so much bankruptcy we see everything
  • Lawyers and staff who are up to date on current bankruptcy laws!

We have worked with thousands of people and filed hundreds of cases in Alabama. We know bankruptcy! So if you’re having financial concerns and considering bankruptcy we can help you decide if bankruptcy is the right solution for you. Our Huntsville bankruptcy lawyers keep abreast of ever-changing federal bankruptcy laws and provide our clients with the best, most current advice. The right choice in legal help can make a difference as you begin to build a better tomorrow. Call Ferguson & Ferguson. We can help you in Cullman, Decatur, Scottsboro or Huntsville Alabama with your debt.

Free Bankruptcy Consultation in Decatur or Huntsville

If you are having financial problems, we are here to help. Our offices are conveniently located in Huntsville and Decatur, Alabama. Call now for a free no obligation consultation with one of our Huntsville or Decatur bankruptcy attorneys. Call now 256-534-3435 or 256-350-7200. The road to financial freedom begins today!

Huntsville Office Location:
303 Williams Avenue SW
Suite 321
Huntsville, AL 35801

Decatur Office Location:
211 Oak Street NE
Decatur, AL 35601