Keep your property and eliminate debt

Put an end to creditor harassment with our legal services designed to eliminate most debts in one fell swoop.

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Your initial consultation will be with a bar certified attorney qualified to handle your case from start to finish.

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Accuracy. Consistency. Results.

What makes us different

We know dealing with debt is difficult especially when you have been faced financial hardship. We are a full-service law firm with a range of bankruptcy services designed to give you a fresh start. We take pride in helping you understand every aspect of your case or legal issue.

Wrestling with debt?

The US bankruptcy code is difficult to make sense of by yourself but there are many options available to get relief from existing debt. We will evaluate and consider all options available to you so that you can choose what works best for you and your budget.

There are some basic qualifications you must meet and certain situations may dictate which filing is best for you. Take the guess-work out by allowing us to evaluate your situation and guide you through every step along the way.

When you file for bankruptcy, the automatic stay goes into effect. The automatic stay prevents creditors from harassing you about mortgage debt, credit card debt, auto loan debt, medical bills, and all other debt while you're in bankruptcy. If creditors violate the automatic stay by contacting you about your debt, they can be held responsible.

Stop calls from creditors

Creditors seem to be relentless in their quest to force you to pay a debt. Often times, the original creditor will sell your debt to debt collectors that will harrass you in order to get you to pay them. Pressure from both creditors and debt collection agencies can come in the form of creditor harassment. We have several options at our disposal to put a stop to the harassment.

I've been helping residents across the State of Alabama, to take control of their debt. I take great pride in taking care of my clients and I always put forth the most aggressive representation for each of them.
Robert Keller

Owner at Russo, Keller & White, P.C.

top notch support

Frequently asked questions

Will I be able to keep my house or car and other property?: In general, the answer is yes. Chapter 7 bankruptcy is designed to wipe out your debt. However, this is conditioned upon you not owning any property that is not exempt. Non-exempt property is sold by the bankruptcy court, converted to cash, and then used to pay back all or a portion of the debt that is owed by you. The bankruptcy law allows you to exempt your property, whether it be a home, car, 401(k), or other property. If your property is exempt, it generally cannot be used to pay your creditors any money. The exemptions differ for each piece of property that you own, and we will be able to explain to you in more detail about these exemptions. In Chapter 13 cases, this works a little different, and you'll need to contact us to discuss this.
What's a discharge?: A discharge is a court order which prohibits the collection of all debt which you listed in your bankruptcy petition. The discharge follows and protects you the rest of your life. There are certain debts that are excepted from discharge and that you still must pay despite a discharge in your bankruptcy case. Three of the most common debts that you still must pay after a discharge are federal and state income taxes, student loans, and child support and alimony. Another type of debt which you must repay despite receiving a discharge is debt that you have reaffirmed, such as a house or car.
Will I be able to get rid of property I no longer want or can afford?: In general, the answer is yes. Some debtors can no longer afford their house or car payments. In other cases, the house is just too big for them to keep up and they want to downsize. In still other cases, a car may keep breaking down and it is not worthwhile to continue to repair. Regardless of the circumstances, you can still surrender the property back to the mortgage company or to the lienholder. If you do so, the balance of the debt will be wiped out (discharged). In Chapter 13 cases, this works a little different, and you'll need to contact us to discuss this.
What if there is a co-signer on a debt of mine?: If there is a co-signer on a credit card, medical bill, personal loan, or other such bill, then the co-signer will be responsible for paying that bill once you have discharged your debt. This is also the case if there is a co-signer on a home mortgage or car note and you are surrendering the home or car. If, on the other hand, you are keeping the home or car, and you reaffirm the debt, then both you and the co-signer will remain obligated to pay the debt reaffirmed. In Chapter 13 cases, this works a little different, and you'll need to contact us to discuss this.