Montgomery Bankruptcy Resources | Legal Help & Factual Resources

Helpful Information for Bankruptcy Filings in
Montgomery — Montgomery 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

Montgomery County bankruptcy cases will be filed with this bankruptcy court:

Northern Division
1 Church Street
Montgomery, AL 36116

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 Montgomery 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 Montgomery County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.

Montgomery 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 Montgomery Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.

The meeting room location is:

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 for the Middle District of Alabama are:

Frank M. Johnson, Jr.
United States Courthouse Complex
One Church Street
Montgomery, AL 36104
(334) 954-3800
 

Credit Counseling Services in the Montgomery 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 Montgomery 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

For other approved providers in the Montgomery area, visit the U.S. Dept. of Justice website.

Credit Reporting Agencies:

Your Montgomery 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
http://www.equifax.com

TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com

Experian
National Consumer Assistance Center
P.O. Box 949
Allen, AL 75013-0949
1-800-682-7654
http://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):

Fountain City Imports
3075 Wetumpka Highway
Montgomery, AL 36110
(334) 354-2067

A & P Automotive
420 Twain Curve
Montgomery, AL 36117
(334) 239-2339

Classic Cadillac Buick GMC
833 Eastern Boulevard
Montgomery, AL 36117
(800) 535-9918

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 Montgomery real estate agent, give you a valuation on your property.

Some local Montgomery area realtors include:

Jim Wilson & Associates
2660 Eastchase Lane Suite 100
Montgomery, AL 36117
(334) 260-2500

New Park Information Center
9430 New Park Drive
Montgomery, AL 36117
(334) 215-9215

Carrington Park Apartments
2000 Central Parkway
Montgomery, AL 36106
(877) 673-8158

Acre GMAC Real Estate
6956 Vaughn Road
Montgomery, AL 36116
(334) 558-0370

Montgomery 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 Western Central Alabama, including Alabaster, Alexander City, Auburn, Autaugaville, Birmingham, Blue Ridge, Camden, Centerville, Clanton, Dannelly Field, Demopolis, Dothan, Duncanville, Elmore, Enterprise, 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 Montgomery County.

Contact a Montgomery Bankruptcy Attorney today for a free initial consultation.

Other Legal Bankruptcy Lawyers

If for some unforeseen reason, the Montgomery Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Montgomery Bankruptcy Lawyers listed on HG.org; or the Montgomery Bankruptcy Lawyers listed on GetLegal.com; or the Montgomery Bankruptcy Lawyers on Justia.com