Chapter 7 bankruptcy, often referred to as a "fresh start," offers individuals and businesses the opportunity to eliminate their debts and regain financial stability. However, navigating the complexities of Chapter 7 bankruptcy can be daunting without the guidance of experienced legal professionals.
At Ingrum & Layson LLC, our skilled attorneys specialize in Chapter 7 bankruptcy and are here to help you understand your options and make informed decisions about your financial future. We have over 40 years of combined experience in bankruptcy law and have discharged over $150 million of debt for our clients throughout Auburn and Opelika, Alabama.
What sets us apart is our commitment to providing personalized attention and support to each client. We understand that every situation is unique, and we take the time to listen to your concerns and develop a customized strategy to help you achieve your financial goals.
Chapter 13 bankruptcy offers individuals in Auburn and Opelika the opportunity to reorganize their debts and create a structured repayment plan. Unlike Chapter 7 bankruptcy, which involves liquidating assets to pay off creditors, Chapter 13 allows debtors to retain valuable assets while making manageable payments to creditors over a period of three to five years.
Chapter 13 bankruptcy provides numerous benefits, including Asset Protection, Foreclosure and Repossession Prevention, Debt Relief and more.
To qualify for Chapter 13 bankruptcy in Auburn or Opelika, debtors must have a regular income and debts below a certain threshold. Once a repayment plan is established and approved by the court, debtors must make regular payments to a bankruptcy trustee, who will then distribute the funds to creditors according to the terms of the plan.
If you're considering filing for Chapter 13 bankruptcy, don't navigate the process alone. Contact Ingrum & Layson LLC today to schedule a free consultation with one of our experienced Chapter 13 bankruptcy attorneys.
Social Security Disability (SSD) benefits provide crucial support to individuals in Alabama who are unable to work due to a physical or mental disability. Eligibility for SSD benefits is determined based on the severity of the medical condition, its expected duration of at least one year or resulting in death, and its impact on the individual's ability to work.
There are two main disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). While not everyone qualifies for SSDI, those ineligible may still be eligible for SSI benefits. Our experienced attorneys can help you assess your eligibility and navigate the application process for the program that best suits your situation.
If your SSD claim has been denied, don't lose hope. Our attorneys specialize in dealing with the Social Security Administration and can assist you in appealing the decision. Statistics show that applicants in Alabama have a higher chance of approval with legal representation, making it essential to seek experienced legal counsel.
At Ingrum & Layson, we are dedicated to serving the needs of individuals in Auburn and Opelika, Alabama. If you've been denied benefits or need assistance with your SSD claim, contact us for a free consultation. Our goal is to ensure you receive the benefits you're entitled to, allowing you to focus on your health and well-being.
Have you suffered injuries or property damage through no fault of your own? A personal injury attorney can assist you in seeking compensation for your pain and suffering under Personal Injury Law. This legal avenue allows injured individuals to file a lawsuit, seeking restitution for their injuries, often referred to as a tort claim—a chance to seek justice for wrongdoing that has caused harm.
In a personal injury claim, liability and damages are key considerations. If you can demonstrate that the defendant is responsible for the accident, the court may rule in your favor, awarding compensation for damages. Most cases are settled outside of court, typically following the discovery process.
At Ingrum & Layson, we are committed to helping residents of Auburn and Opelika obtain the compensation they deserve for injuries or damages suffered. With our experience and dedication, we can evaluate your case, fight for your rights, and secure the compensation you're entitled to.
Whether you've been injured in an auto accident, workplace incident, or on business premises, you may be eligible to recover damages from the responsible party. Our attorneys are here to assist you in filing your claim and navigating the legal process with ease.
The Fair Debt Collection Practices Act (FDCPA) establishes regulations in the United States governing how individuals or organizations can pursue debt collection. Designed to curb abusive, deceptive, and unfair practices, the FDCPA safeguards consumers from unethical debt collection tactics commonly encountered. In Alabama, creditors are prohibited from employing abusive, unfair, or deceptive strategies when attempting to recover outstanding debts, ensuring consumers are shielded from exploitation.
Under the FDCPA, consumers are safeguarded from unethical debt collection practices, fostering fair treatment and transparency in debt collection procedures. Respectable creditors are also shielded from unfair competition, promoting a balanced and ethical marketplace.
Seeking Justice for Unlawful Debt Collection
If you've been subjected to unfair debt collection practices, the experienced attorneys at Ingrum & Layson are here to advocate for your rights and provide the legal support you need. Our team possesses the expertise to navigate the complexities of fair debt collection laws, ensuring you receive the representation you deserve.
A will is crucial for residents of Auburn and Opelika to ensure that their property is distributed according to their desires after they pass away. Without a will, Alabama's intestate laws may dictate asset distribution, potentially overlooking your preferences. Moreover, a will allows you to name guardians for your children and establish trusts to safeguard their financial future.
Dying without a will, or intestate, means that Alabama state laws determine how your estate is distributed, regardless of your verbal wishes. With a valid will, you can legally dictate how your assets are distributed, ensuring your wishes are honored.
Estate law governs the management and distribution of an individual's property during their lifetime and after their passing or incapacitation. It falls under the broader category of property law and encompasses various legal aspects related to estate planning and administration.
It's crucial for Auburn and Opelika residents to seek the assistance of a local estate planning lawyer to address any concerns or questions regarding their estate or that of a loved one. Estate laws cover a wide range of topics that directly impact an individual's property and possessions. An estate lawyer can help with drafting, reviewing, and editing estate planning documents and provide advice on the most effective estate planning strategies.
Don't leave your estate planning to chance. Contact Ingrum & Layson today to schedule a consultation and ensure your wishes are properly documented.
