Offering Chapter 7 and 13 Services to debtors and other credit relief services at affordable rates and with an emphasis on personal service, availability and accountability. For simple cases (meaning debtors with no mortgage, debtors on social security or disability, debtors with primarily medical bills, or debtors with uncomplicated financial transactions) fees are tailored to accommodate the reality that the debtor is often not able to afford the typical fees for a chapter 7 or 13. Also, many attorneys do not take the trouble to avoid judgment liens or other liens or to “strip off” second mortgages because of the extra time involved. 

Ronald F. Suber, Attorney at Law

Bankruptcy Practice

​Because of my emphasis on personal service, these extra services are often included in the regular fee.

In order to file a Chapter 7 Bankruptcy (complete liquidation), debtors with primarily consumer debts must meet an income test called the “means test.” I work with clients to make sure they are taking full advantage of their allowed deductions from income to help them qualify for a Chapter 7. 

A Chapter 13 offers a method to file bankruptcy with virtually no money down. It is also a method to save your home if you become behind on your mortgage payments. In a 13, you are required to pay your “disposable income” to the trustee over a 3 to 5 year period. Your disposable income, however, is determined only after deducting your reasonable and necessary living expenses, including such things as your mortgages and car notes, costs of prescription medications, reasonable entertainment expenses, reasonable gas and other transportation expenses, medical expenses, and the like. If you or you and your spouse make more than the mean income for Alabama, your disposable income is determined using the IRS standard allowances for certain expenses, though I have found these to be reasonable in many cases. In other words, debtors are often surprised to learn how little they have to pay on a monthly basis in a Chapter 13 plan for the 3 to 5 year period. 

The Federal Government has enacted several programs designed to assist borrowers with their first and second mortgages on their principal residence."  As part of my practice, I assist homeowners in qualifying for mortgage modifications and short sales (with waivers of deficiency judgments) under these programs.