Practice Areas

Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Attorney Profiles

Michael A. Hart is the founding member of the Hart Firm, LLC. Michael is a graduate of Rhodes College in Memphis, Tennessee and the University of Alabama School of Law. In law school, Michael was awarded the Balch and Bingham, LLP Corporate Law Award and the North Alabama Chapter of the Federal Bar Association Award for Excellence in the Study of Federal Jurisdiction. Michael is licensed to practice in Alabama and Arkansas. Since 2005, Michael’s primary practice area has been helping individuals file for chapter 7 and chapter 13 bankruptcy.

Michael A. Hart

Bankruptcy Attorney

Frequently Asked Questions

How do I know which chapter bankruptcy I need to file?

There are many factors that go into determining which chapter of bankruptcy is best including what kind of debts you have, what assets you have, whether you are behind on secured debts, and your current disposable income. In addition, there is also a set of caluclations known as the means test which may require some consumers to file Chapter 13 because their income exceeds the median income for a household of their size in their state.

Give us a call and we can speak with you about which chapter best suits your needs.

Will bankruptcy stop wage garnishments, repossessions and/or foreclosures?

Yes. In most cases, a court order known as the “automatic stay” will stop garnishments, repossessions and/or foreclosures.

What does it cost to start a bankruptcy?

The upfront cost and total cost varies by chapter and complexity.  Most chapter 13 petitions can be started with $0 down on the attorney fees and court costs.  These fees and costs are paid as part of your chapter 13 plan.

For chapter 7 petitions, we are able to set up payment arrangements for the attorneys fees.  Contact us for a free quote and details.