Phenix City Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Phenix City — Russell County — Alabama
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of Alabama or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
Alabama Middle District Bankruptcy Court
Russell County bankruptcy cases will be filed with this bankruptcy court:
United States Courthouse Complex, One Church Street
Montgomery, AL 36104
(334) 954-3800
Counties Served: Autauga, Barbour, Bullock, Butler, Chambers, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Geneva, Henry, Houston, Lee, Lowndes, Macon, Montgomery, Pike, Randolph, Russell, Tallapoosa
An experienced Phenix City Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Russell County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Phenix City 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Phenix City Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
United States Courthouse Complex, One Church Street
Montgomery, AL 36104
(334) 954-3800
U.S. Trustee
www.usdoj.gov/ust
Credit Counseling Services in the Phenix City area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Phenix City area, these providers have been approved:
Consumer Credit Counseling Service of Alabama, Inc
Farmer-Wilson Building, 640 South Lawrence Street
Montgomery, AL 36104
(334)265-8545
Consumer Financial Education Foundation of America
2 North 20th Street, Suite 1030
Birmingham, AL 35203
(205) 321-2822
Stand Sure Information Services, Inc.
124 Oak Ridge Drive
Oneonta, AL 35121
(800) 718-4724
For other approved providers in the Phenix City area, visit the U.S. Dept. of Justice website.
Credit Reporting Agencies:
Your Phenix City Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, AL 75013-0949
1-800-682-7654
www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Lee Massey Auto Sales Inc
1909 Crawford Road
Phenix City, AL 36867
(334) 297-8787
Red Dot Motors
1415 14th Street
Phenix City, AL 36867
(334) 298-8073
Motormax of Phenix City
903 US 280 Bypass
Phenix City, AL 36867
(334) 664-2200
Car For Less
1409 14th Street
Phenix City, AL 36867
(334) 298-0555
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Phenix City real estate agent, give you a valuation on your property.
Some local Phenix City area realtors include:
Head Gary Realty Inc.
3550 U S Highway 280
Phenix City, AL 36867
(334) 448-9055
Loftin Loftin and Hall
1705 7th Avenue
Phenix City, AL 36867
(334) 297-1870
Barrett Simpson Inc.
706 12th Street
Phenix City, AL 36867
(334) 297-2423
Robin Welch - ERA Realtor
3800 Lakewood Drive
Phenix City, AL 36867
(706) 984-3102
Russell County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Eastern Alabama, including Auburn, Benning Hills, Bibb City, Bleecker, Cottonwood, Cusseta, East Edgewood, Eufaula, Fort Benning, Griffen Mill, Highland Pines, Holy Trinity, Hugley, Jamestown, Junction City, Ladonia, Meadows Mill, Moffits Mill, Ochillee, Opelika, Phenix City, Rutherford, Salem, Seale, Smiths, Villula, and other communities in Russell County.
Contact a Phenix City Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Phenix City Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Phenix City Bankruptcy Lawyers listed on HG.org; or the Phenix City Bankruptcy Lawyers listed on GetLegal.com; or the Phenix City Bankruptcy Lawyers on Justia.com