Chapter 13

Tuscaloosa Chapter 13 Bankruptcy Attorney

Thousands of Bankruptcy Cases Handled

I am Attorney Marshall A. Entelisano, and I offer affordable representation for clients wanting to file for Chapter 13 bankruptcy in Alabama. Also known as the wage earner's plan or reorganization, Chapter 13 is available to those who fall behind on debt payments but who also want to protect assets and are willing to pay off debts in installments.

My team and I recognize anyone may experience financial difficulties because of accidents, job loss, and other unexpected events. At times, these setbacks can cause people to fall into significant debt, which can lead to stress and even larger financial issues. While it might seem like there is no way out of such a difficult situation, Chapter 13 bankruptcy may provide a path to financial freedom.

Call (659) 336-2597 or reach out online to speak with a reliable Chapter 13 bankruptcy lawyer in Tuscaloosa about how you can live life debt-free. Free consultations are available.

Chapter 13 Bankruptcy: What It Is & How It Works

Chapter 13 bankruptcy is a legal process allowing you to restructure and repay debts over three to five years. This type of bankruptcy is often the choice of those able to make restructured payments and who want to keep important assets.

The things filing for Chapter 13 bankruptcy can do for you include, but are not limited to, the following:

Consolidate debt - By filing, you can reduce your bills to a single monthly payment, which a trustee collects and distributes among creditors
Reorganize debt - Your unsecured and secured debts will be organized and paid off according to their priority status
Establish a repayment plan - Under Chapter 13, you can set up a plan to repay debts within three to five years instead of having to pay them in full immediately
Stop foreclosure - After you file, you can get a stay on foreclosure, allowing you to catch up on past-due mortgage payments
Halt debt collector actions - Bankruptcy also stops creditor actions, such as wage garnishments, bank levies, and lawsuits
Protect co-signers - If someone has co-signed on a loan with you, filing for Chapter 13 can protect them from creditors while also allowing you to take care of your debt
Reduce interest rates - In some cases, you may be able to reduce the interest rates on certain debts through Chapter 13 bankruptcy
Minimize unsecured debt - Filing for Chapter 13 can reduce your unsecured debts
Preserve assets - With a repayment plan, you can keep your assets, such as your home or car, as long as you adhere to the plan's terms

Who Is Eligible to File for Chapter 13 Bankruptcy in Alabama?

To be eligible for Chapter 13 bankruptcy in Alabama, you must have regular income and secured and unsecured debt that does not exceed $2,750,000. Additionally, you must complete credit counseling and a financial management course to maintain eligibility.

It is important to note that you are ineligible for Chapter 13 bankruptcy if you have already filed for bankruptcy within the last 180 days and had it dismissed because:

You did not appear in court
You failed to follow court orders
You voluntarily dismissed your case after creditors sought relief from the bankruptcy court to get property they had liens on

Do you have questions about your eligibility for Chapter 13 bankruptcy? Allow me to carefully assess your financial situation and other factors to determine if it is indeed the right option for you.

Chapter 13 vs. Chapter 7 Bankruptcy

Chapter 7 bankruptcy is generally for those with limited income who cannot repay their debts. On the other hand, Chapter 13 is for individuals with a steadier income and the ability to repay debts over time. During a Chapter 7 bankruptcy, nonexempt assets are liquidated to pay creditors, but most unsecured debts (like credit cards) are discharged. This is not the case with Chapter 13, as your assets are protected. While Chapter 7 bankruptcy is generally faster, you must pass the Alabama means test to qualify. Chapter 13 bankruptcy may require more time, but it still serves as a viable debt relief option that enables people to reorganize and take control of their finances.

Continue Reading Read Less

Contact Us

We're Ready to Help

First Name
Please enter your first name.
Last Name
Please enter your last name.
Phone
Please enter your phone number.

This isn't a valid phone number.
Email
Please enter your email address.

This isn't a valid email address.
Are you a new client?
Please make a selection.
How can we help you?
Please enter a message.
By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Live Life Debt Free Start Your Path Toward Financial Independence Today

Reach out for a free consultation to discuss your financial situation and explore the debt relief options that work best for you. Let’s put an end to the stress and start your path to a brighter future.

Get Started

Why Work with an Attorney When Filing for Bankruptcy?

It is true that you can technically file for Chapter 13 bankruptcy without the guidance of a lawyer. Doing so can save you some money initially, but it could end up costing you greatly and make your situation that much worse. Bankruptcy is a complex legal process, and one simple mistake could jeopardize your case and leave you vulnerable to adverse actions from creditors.

With the help of a seasoned Tuscaloosa Chapter 13 bankruptcy attorney like myself, you can proceed in your case with a greater sense of confidence, knowing you have an advocate on your side.

Some of the benefits of trusting your case with me include the following:

Tailored and experience-backed guidance while devising a manageable repayment plan that meets court requirements
Assistance with any and all paperwork, ensuring you fill out everything correctly and meet important deadlines
Representation in formal meetings and other interactions with creditors
Advocacy in instances of creditor harassment
Non-judgmental support from a compassionate lawyer, paralegals, assistants, and staff
Honest advice at every step of your case

I am proud to say that I have helped 7,500+ overcome crippling debt through bankruptcy. To join the number of people who were glad they worked with my firm when filing for Chapter 13 bankruptcy and other types, reach out today. Free consultations are available. Plus, I offer flexible payment plans.

Call (659) 336-2597 or get in touch online to start with The Law Firm of Marshall A. Entelisano.

Why Choose The Law Firm of Marshall A. Entelisano?

Proven Success, Thousands Helped

Compassionate Guidance, Honest Solutions
We understand the stress of financial struggles and are here to help with honesty and care. You’ll work directly with an experienced attorney who provides clear, upfront guidance—no hidden fees, no surprises.
Trusted Debt Relief in Alabama
For over 25 years, we've helped thousands of people just like you eliminate financial stress, stop creditor harassment, and regain control of their future. We don’t just provide legal solutions—we offer hope and a clear path forward.
Convenient Payment Plans
We believe financial relief should be accessible to everyone. That’s why we offer flexible payment plans to fit your budget, so you can get the help you need without added stress.
We Provide Free Consultations
We offer a completely free and confidential consultation to discuss your financial situation and find a path to relief. Whenever you're ready, we're here!

Contact Us Today

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

First Name
Please enter your first name.
Last Name
Please enter your last name.
Phone
Please enter your phone number.

This isn't a valid phone number.
Email
Please enter your email address.

This isn't a valid email address.
Are you a new client?
Please make a selection.
How can we help you?
Please enter a message.
By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Real Stories

from People We've Helped Find Financial Freedom

“Talented, helpful, and thorough.”
If I could give this establishment 10 stars, I would! All the professionals here are wonderfully talented, helpful, and thorough.

- J.B.
“Thank you guys so much!”
My experience with Marshall and his staff was amazing! Everyone was so nice and welcoming. Just when I didn't know which way to turn I was referred to them. Thank you guys so much!

- F.B.
“Thanks to them I will be living a responsible debt free life.”
Marshall A. Entelisano and his team were amazing throughout the process. They were very patient with me. I am excited to start fresh and thanks to them I will be living a responsible debt free life.

- L.W.

View All Reviews