Prattville Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Prattville — Elmore 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
Elmore County bankruptcy cases will be filed with this bankruptcy court:
United States Courthouse Complex
One Church Street, Montgomery, AL 36104
Phone: (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 Prattville 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 Elmore County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Prattville 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 Prattville Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
Ms. Teresa R. Jacobs
Bankruptcy Administrator
Frank M. Johnson, Jr. Federal Courthouse Annex
One Church Street, 5th Floor
Montgomery, AL 36104
(334) 954-3900
Bankruptcy Administrator
When your bankruptcy case is filed with the Court, a Bankruptcy Administrator will be assigned to your case. The Bankruptcy Administrator Middle District of Alabama is:
Ms. Teresa R. Jacobs
Bankruptcy Administrator
Frank M. Johnson, Jr. Federal Courthouse Annex
One Church Street, 5th Floor
Montgomery, AL 36104
(334) 954-3900
Credit Counseling Services in the Prattville 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 Prattville area, these providers have been approved:
Biblical Financial Concepts, Inc dba Stand Sure Credit Counseling
124 Oak Ridge Drive, Oneonta, AL 35121
(877) 240-1398
Consumer Credit Counseling Service of Alabama, Inc
Farmer-Wilson Building
640 South Lawrence Street, Montgomery, AL 36104
(334) 265-8545
For other approved providers in the Prattville area, visit the U.S. Dept. of Justice website.
www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm
Credit Reporting Agencies:
Your Prattville 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):
Jack Ingram Motors Inc
227 Eastern Boulevard
Montgomery, AL 36117
(334) 277-5700
Auto Mart
621 N Eastern Boulevard
Montgomery, AL 36117
(334) 277-5256
A & P Automotive Inc
420 Twain Curve
Montgomery, AL 36117
(334) 271-2141
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 Prattville real estate agent, give you a valuation on your property.
Some local Prattville area realtors include:
Carol Lemon Real Estate
Memorial Drive
Prattville, AL 36067
(334) 380-4428
Gillian Jim Real Estate
225 N Memorial Drive
Prattville, AL 36067
(334) 365-9618
1st Rate Realestate LLC
209 Highway 82 Bypass W
Prattville, AL 36067
(334) 491-5478
Alfa Realty
503 Greystone Way
Prattville, AL 36066
(334) 365-2532
Elmore 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 Central Alabama, including Alabaster, Alexander City, Auburn, Elmoreville, Birmingham, Blue Ridge, Camden, Centerville, Clanton, Dannelly Field, Demopolis, Duncanville, Elmore, Greenville, Hayneville, Hope Hull, Lowndesboro, Luverne, Maplesville, Millbrook, Monroeville, Montgomery, New Prospect, Opelika, Pike Road, Prattville, Roanoke, Selma, Shorter, Teasleys Mill, Troy, Tuskegee, Union Springs, Wetumpka, areas in the vicinity of Maxwell Air Force Base, and other communities in Elmore County and Elmore County.
Contact a Prattville Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Prattville Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Prattville Bankruptcy Lawyers listed on HG.org; or the Prattville Bankruptcy Lawyers listed on GetLegal.com; or the Prattville Bankruptcy Lawyers on Justia.com