How We Help
Something Urgent Is Happening
If any of these describe your situation, call today rather than filling out a form. Timing changes what’s possible.
Money is being taken out of my paycheck
A creditor with a court judgment can garnish up to 25% of your wages in Alabama, every pay period, until the judgment is paid. Filing bankruptcy triggers an automatic stay that stops most garnishments — usually within days.
I got a foreclosure notice
Alabama allows non-judicial foreclosure, so the process moves faster here than in most states. A Chapter 13 case filed before the sale date stops the sale and lets you catch up on what you owe over three to five years. Once the sale happens, options narrow sharply.
My car was repossessed, or is about to be
Alabama lenders can generally repossess without a court order and without warning. If it hasn’t happened yet, filing stops it. If it already has, whether you can get it back depends heavily on how recently — this one is measured in days.
I'm being sued, or there's a judgment against me
A judgment is what makes garnishment and bank account seizure possible. There may be options before it gets that far, and there are options after.
The Debt Isn't Going Away
Credit cards and medical bills I'll never pay off
Chapter 7 bankruptcy discharges qualifying unsecured debt — credit cards, medical bills, payday loans, old judgments, deficiency balances left over after a repossession. For people who qualify, the case is typically complete in about ninety days.
I'm behind on a house or car I want to keep
Chapter 13 bankruptcy restructures what you owe into a single monthly payment over three to five years. It’s the tool that lets you cure past-due mortgage or car payments while keeping the property — and in many cases it reduces interest rates and, on qualifying loans, principal balances. Chapter 13 also allows attorney’s fees to be paid through the plan rather than upfront.
I don't know which one applies to me
Most people don’t, and that’s fine. It depends on your income, what you own, and what you’re trying to protect. It’s a short phone call.
Someone Else Caused an Injury
If you’ve been hurt by another person’s carelessness, Alabama law is harsher than most people realize. Under the state’s contributory negligence rule, being found even 1% at fault can bar recovery entirely — which is why insurance adjusters work so hard to get an injured person to admit a share of blame.
Stephen handles personal injury matters for his clients, working with a network of expert attorneys to make sure you receive maximum compensation. We take all types of injury cases. Free consultation, and no attorney’s fee unless there’s a recovery.
Planning Ahead, or Settling an Estate
I need a will
If you die without one in Alabama, state law decides who inherits — and it’s often not what families expect. A will also names a guardian for minor children, which is the part that matters most for young parents.
A family member died and I don't know what to do
We help families through probate in Jefferson County — including the Bessemer division — and the surrounding counties.
Where We Practice
We represent clients across the Birmingham metro area and north-central Alabama, including Bessemer, Hueytown, Fairfield, Pleasant Grove, Gardendale, Fultondale, Tarrant, Pinson, Center Point, and Blount County. Stephen is licensed throughout Alabama and has practiced in all three of the state’s federal bankruptcy districts.