Chapter 13 Bankruptcy | Anniston & Gadsden AL
Protect your home.
Restructure your debt.
Reclaim your life.
At Jennings & Messer, we help Northeast Alabama residents use Chapter 13 bankruptcy to reorganize debt, stop foreclosure, and protect what matters most—so you can breathe easier and focus on a brighter future.
- Stop foreclosure and repossession
- Restructure debt into affordable payments
- Protect your assets and your future
Overwhelmed by debt, but afraid of losing everything?
When debts pile up, the fear of losing your home, car, or paycheck can feel paralyzing. Without clear guidance, you might feel stuck between impossible payments and the risk of losing everything you’ve worked hard for.
Chapter 13 bankruptcy offers a path to protect your assets while regaining control of your finances.
Jennings & Messer helps you create a manageable repayment plan, consolidating debts and stopping foreclosure, repossession, or wage garnishment—so you can move forward with stability and peace of mind.
Trusted, local guidance with over 30 years of experience.
At Jennings & Messer, we walk you through every step of the Chapter 13 process, explaining your options in plain language and helping you protect what matters most—your home, your family, and your future.
Take the First Step Toward a Stronger Financial Future with Jennings & Messer
Schedule your free consultation
Reach out by phone, online form, or in person to set up your no-cost consultation. We’ll talk through your situation, answer your questions, and explain what bankruptcy might look like for you—no pressure, just a conversation.
Review your personalized Chapter 13 plan
Once we understand your goals and financial picture, we’ll walk you through if Chapter 13 is the right path. You’ll get clear answers, not legal confusion—and a plan that’s built around protecting what matters most.
Get protected and regain financial stability
If you decide to move forward, we’ll take care of the paperwork, filings, and communication with the court—so you can focus on moving forward. From stopping creditor calls to regaining peace of mind, we’ll be by your side the whole way.
Your Life. Your Assets. Your Peace of Mind.
- Keep your home and vehicle
- Consolidate debts into one manageable monthly payment
- Stop creditor harassment, foreclosure, and lawsuits
- Build a realistic, sustainable path forward
