A Clear Path Toward Financial Relief
Bankruptcy can feel intimidating—but with the right team by your side, it doesn’t have to be. At Jennings & Messer, we make the process simple, personal, and focused on your goals. For over 30 years, we’ve helped Northeast Alabama families find relief through Chapter 7 and Chapter 13 bankruptcy, always with clarity, compassion, and care.
- EXPERIENCED ATTORNEYS
- CLEAR AND RESPECTFUL COMMUNICATION
- PERSONALIZED BANKRUPTCY GUIDANCE
STEP 1
Schedule Your Free Consultation
Reach out by phone, online form, or email to set up a no-cost, no-obligation consultation.
STEP 2
Get Your Personalized Bankruptcy Plan
During your consultation, you’ll talk through your goals and financial situation so we can explain your options—whether Chapter 7 or Chapter 13—and help you build a clear plan forward.
STEP 2
Get Your Personalized Bankruptcy Plan
During your consultation, you’ll talk through your goals and financial situation so we can explain your options—whether Chapter 7 or Chapter 13—and help you build a clear plan forward.
STEP 3
Move Forward With Confidence
We’ll walk beside you through the process from start to finish, handling the legal work and communication while you focus on rebuilding your financial future.
Ready to Take the First Step?
We’re here to help—without pressure.
When you’re overwhelmed by debt, the hardest part is often taking that first step. At Jennings & Messer, we make it easy. No legal jargon. No scare tactics. Just a straightforward conversation with local attorneys who care about helping you move forward.
Whether you’re ready to file or just starting to explore your options, we’re here for you.
FREQUENTLY ASKED QUESTIONS
Do I need to decide between Chapter 7 and Chapter 13 before I call?
No. We’ll help you understand both options during your consultation and guide you toward the one that fits your situation best.
Will I lose everything if I file for bankruptcy?
No. Bankruptcy laws are designed to help you protect certain assets like your home, car, and personal belongings. We’ll walk you through what’s protected and what’s not
How long does the bankruptcy process take?
Chapter 7 typically takes a few months. Chapter 13 involves a 3–5 year repayment plan. We’ll explain your timeline up front so there are no surprises.
Is my consultation really free?
Yes—always. Your first consultation is completely free, and there’s no pressure to commit. It’s just a conversation to help you get clarity.
Will filing for bankruptcy ruin my credit forever?
No. While bankruptcy does affect your credit initially, many clients are able to begin rebuilding within months. For many, it’s the first step toward better financial health.