Bankruptcy & Debt Relief
James A. Johnson, P.C. is a full service law firm representing clients throughout Alabama, primarily in the greater Mobile area. The firm is committed to providing clients with the full range of legal services necessary to meet their needs. Truly a friendly neighborhood law firm that is “client-centered,” James A. Johnson, P.C. brings the law into focus for clients from all walks of life. Years of legal experience, linked with the ability to communicate legal issues in easy-to-understand terms, make the firm a valuable community asset.
Alabama Bankruptcy and Debt Relief QuestionsSince calls to my office about bankruptcy have been increasing, I’ve decided to share some bankruptcy FAQs with you. These are short answers to complicated questions. If you are considering filing bankruptcy, it is important that you hire an experienced attorney. |
How to Stop a Foreclosure in AlabamaThere are several ways to stop a foreclosure. One of the most common ways to prevent a mortgage company from foreclosing on your home is to file Chapter 13 Bankruptcy. Chapter 13 allows you to reorganize your debt and gives you the opportunity to pay your mortgage arrearage over a 3 or 5 year period. It is important that you consult with an experienced Bankruptcy attorney and file your case before the date that the foreclosure is scheduled. Once the foreclosure sale is held, Chapter 13 cannot save your home. Filing Chapter 13 can also stop vehicle repossessions and may reduce your total monthly expenses. |
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Financial CrisisWe are in the middle of the most serious financial crisis since the great depression. The same lenders who contributed to this crisis with their predatory lending practices and bait and switch tactics are foreclosing on homes and repossessing cars at a record pace. You can stop these harassing creditors cold in their tracks by filing Chapter 13 or Chapter 7 Bankruptcy. Contact me now for financial help. |
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My first jury trial resulted in a $1.15 million dollar verdict for my client. A few months after I graduated from law school a client walked into my office and told me a story of corporate greed and corruption. That story, and the lawsuit that I filed on his behalf that traveled all the way to the U.S. Supreme Court, still influences the way that I practice law today. Read the story and see parts of the actual file here.
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On December 8, 2009 at 3:30 a.m. I woke up and smelled burning wire. A few minutes later our entire house was on fire and my wife and I were lucky to make it out alive. Investigators believe that lightning started the fire. I never thought in a million years that a fire would destroy our home. Looking back we realize that we were not adequately prepared for this disaster. Now I want to use my experience to help you prepare for a disaster and cope with its aftermath
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There are several ways to stop a foreclosure. One of the most common ways to prevent a mortgage company from foreclosing on your home is to file Chapter 13 Bankruptcy. Chapter 13 allows you to reorganize your debt and gives you the opportunity to pay your mortgage arrearage over a 3 or 5 year period. It is important that you consult with an experienced Bankruptcy attorney and file your case before the date that the foreclosure is scheduled.
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If you file Bankruptcy (either Chapter 13 or Chapter 7) you have to continue to pay for the things that you want to keep. For example, if you owe $12,000 on your car and you file Chapter 13 (where you make a monthly payment), you will have to pay at least $220.00 per month over a five year period of time to pay off the car. If you file Chapter 7 you will have to continue to make your regular monthly payment on the car in order to keep it. As far as your mortgage payment, you must continue to pay the regular mortgage payment every month when it comes due under either Chapter 7 or Chapter 13 in order to keep your house.
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Since calls to my office about bankruptcy have been increasing, I’ve decided to share some bankruptcy FAQs with you. These are short answers to complicated questions. If you are considering filing bankruptcy, it is important that you hire an experienced attorney.
Continue Reading
There are several ways to stop a foreclosure. One of the most common ways to prevent a mortgage company from foreclosing on your home is to file Chapter 13 Bankruptcy. Chapter 13 allows you to reorganize your debt and gives you the opportunity to pay your mortgage arrearage over a 3 or 5 year period. It is important that you consult with an experienced Bankruptcy attorney and file your case before the date that the foreclosure is scheduled. Once the foreclosure sale is held, Chapter 13 cannot save your home. Filing Chapter 13 can also stop vehicle repossessions and may reduce your total monthly expenses.
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Although I handle many different types of cases I represent a lot of people involved in automobile accidents. Auto accident law can be very complicated because the different traffic laws, insurance coverage, and situations that people get into. Here are some of the most common questions that I get involving automobile accidents.
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You can file a Small Claims lawsuit in almost any civil case where the amount in controversy is $3,000.00 or less. You do not need a lawyer to represent you because the rules are relaxed and your case will be decided by a Judge and not a jury. To initiate a case in Small Claims Court you need to fill out a Statement of Claim (Complaint) and file it with the clerk’s office in either the county where your claim occurred or where the Defendant (person you are suing) resides.
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Recent Blog Posts
Can I Keep My Home in Alabama Without Paying for it if I File Bankruptcy?
If you file Bankruptcy (either Chapter 13 or Chapter 7) you have to continue to pay for the things that you want to keep. For example, if you owe $12,000 on your car and you file Chapter 13 (where you make a monthly payment), you will have to pay at least $220.00 per month over a five year period of time to pay off the car. If you file Chapter 7 you will have to continue to make your regular monthly payment on the car in order to keep it. As far as your mortgage payment, you must continue to pay the regular mortgage payment every month when it comes due under either Chapter 7 or Chapter 13 in order to keep your house.
Continue Reading
Alabama Bankruptcy and Debt Relief Questions
Since calls to my office about bankruptcy have been increasing, I’ve decided to share some bankruptcy FAQs with you. These are short answers to complicated questions. If you are considering filing bankruptcy, it is important that you hire an experienced attorney.
Continue Reading
How to Stop a Foreclosure in Alabama
There are several ways to stop a foreclosure. One of the most common ways to prevent a mortgage company from foreclosing on your home is to file Chapter 13 Bankruptcy. Chapter 13 allows you to reorganize your debt and gives you the opportunity to pay your mortgage arrearage over a 3 or 5 year period. It is important that you consult with an experienced Bankruptcy attorney and file your case before the date that the foreclosure is scheduled. Once the foreclosure sale is held, Chapter 13 cannot save your home. Filing Chapter 13 can also stop vehicle repossessions and may reduce your total monthly expenses.