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4317 Downtowner Loop N.•Mobile, AL 36609

Padgett & Robertson

Call for a FREE Consultation: (800) 303-1416

Local Number: (251) 342-0264

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    • Chapter 7 Bankruptcy
      • Fairhope Chapter 7
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    • Herman D. Padgett
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    mobile alabama personal bankruptcy attorney

Our Latest Posts

inflation causing bankruptcy in Alabama

Inflation Driving a Flood of New Bankruptcies

by Padgett & Robertson

Inflation is incredibly high, and it’s impossible to ignore. Everywhere you turn, someone has a comment—the news, social media, people you make small talk with. Inflation is just up past 8.5%, putting it at the highest it’s been in 40 years. This sends a ripple through every part of the economy and is expected to […]

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cramdown provision in Alabama

What is a Cramdown in Bankruptcy and How Can It Help?

by Padgett & Robertson

Bankruptcy can be incredibly stressful, especially once you realize that you may have to give up some of your personal assets in order to pay back creditors. If you are filing for Chapter 13 bankruptcy, you may be able to use something called a cramdown to keep your items and decrease your debt as you […]

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cryptocurrency in a bankruptcy

What Happens to My Cryptocurrency If I File for Bankruptcy?

by Padgett & Robertson

Cryptocurrency has completely changed how many people invest, fund their passion projects, and plan for retirement. However, its decentralized and volatile nature makes it difficult to handle in traditional financial settings. For example, in bankruptcy, debtors have asked how their cryptocurrency holdings may affect their filing. Although cryptocurrency is still relatively new, legislation is evolving […]

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types of debt

The Main Types of Debt and How to Handle Each

by Padgett & Robertson

The debt you owe plays a big part in your financial well-being and your credit health. However, there are lots of types of debt, and they should all be managed differently. Paying careful attention to your debt and its status can help you keep your credit score high and maintain control of your finances. If […]

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bankruptcy for married couples - jointly or separately

Bankruptcy for Married Couples: Should We File Jointly or Separately?

by Padgett & Robertson

If you’re married and considering bankruptcy, you’re likely confused by your options. Is filing for bankruptcy as an individual or as a married couple your best option? Unfortunately, there is no clear cut-and-dry answer to this question. It depends largely on the details of your assets, income levels, and debt. Consulting with a bankruptcy attorney […]

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social security overpayments in Alabama

Can Social Security Overpayments Be Discharged in Bankruptcy?

by Padgett & Robertson

Social Security benefits are a crucial resource for many people, keeping families in their homes and putting food on the table. But the Social Security Administration does make mistakes, and overpayments happen. When you owe a substantial amount in overpayments, you may wonder if that amount can be discharged in bankruptcy or if you will […]

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stop repossession during bankruptcy in Alabama

Is It Possible to Stop Asset Repossession During a Bankruptcy Filing?

by Padhett & Robertson

By the time most people declare bankruptcy, they’ve been in financial trouble for a long time. What’s the tipping point? For many, it’s the fact that one of their major assets is about to be repossessed. Perhaps their vehicle—their only way to get to work and provide for their family—is about to be repossessed by […]

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https://www.hermandpadgett.com/wp-content/uploads/2022/05/stop-repossession-during-bankruptcy-in-Alabama-min.jpg 1414 2121 Padhett & Robertson https://hermandpadgett.wpengine.com/wp-content/uploads/2021/06/logo.png Padhett & Robertson2022-05-06 19:12:442022-09-09 18:19:06Is It Possible to Stop Asset Repossession During a Bankruptcy Filing?
things to avoid if you are considering bankruptcy

Things You Should Avoid If You’re Considering Bankruptcy

by Padgett & Robertson

Your bills may have been piling up for months now, and the minimum payments on your credit cards may have crept up to the point that you struggle to make them every month. You’ve put off this decision as long as you can, but it’s time to think about bankruptcy. Bankruptcy is a chance at […]

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how to qualify for a mortgage after bankruptcy

How to Qualify for a Mortgage After Chapter 7 Bankruptcy

by Padgett & Robertson

While bankruptcy can temporarily limit your use of credit and put a pause on your financial goals, it isn’t the be-all, end-all of your financial future. In fact, you may find yourself able to secure a mortgage within just a few years of declaring bankruptcy. However, you will need to do some extra legwork to […]

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https://www.hermandpadgett.com/wp-content/uploads/2022/04/qualifying-for-a-mortgage-after-bankruptcy.jpg 512 1024 Padgett & Robertson https://hermandpadgett.wpengine.com/wp-content/uploads/2021/06/logo.png Padgett & Robertson2022-04-11 20:45:082022-09-09 18:22:38How to Qualify for a Mortgage After Chapter 7 Bankruptcy
auto insurance and bankruptcy

Why Car Insurance Is Important During Chapter 13 Bankruptcy

by Padgett & Robertson

When you choose Chapter 13 bankruptcy, your budget may be tight. Rather than having your debts discharged, as you would in a Chapter 7 bankruptcy, you commit to a three-to-five-year payment plan that allows you to pay back some or all of your debts on a structured schedule. This means setting aside a chunk of […]

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Padgett & Robertson

4317 Downtowner Loop N.
Mobile, AL 36609
Toll Free: (800) 303-1416
Phone: (251) 342-0264
Email

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Since 1978, the attorneys at Padgett and Robertson have represented clients in Mobile, Alabama and throughout Southern Alabama with bankruptcy matters including personal bankruptcy, Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. Contact our Mobile AL Bankruptcy Lawyers with your questions comments or concerns. We offer a free consultation for clients who want to discuss their bankruptcy related matters.

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4317 Downtowner Loop N.
Mobile, AL 36609
Toll Free: (800) 303-1416
Phone: (251) 342-0264
Email

Maps & Directions

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Alabama State Bar Association Regulations require the following: “No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.” 11 U.S.C. 528 of the U.S. Bankruptcy Code requires the following: “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”

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A Message from Padgett & Robertson Regarding the COVID-19 Pandemic

During these difficult times your health and safety is a top priority. Your FREE CONSULTATION can be held in person or by telephone.

Our clients pay NO UPFRONT attorney or filing fees for Chapter 13 cases and we offer reasonable payment plans for Chapter 7 cases.