About Michael A. Hart — Bankruptcy Attorney Daphne Alabama

Michael A. Hart is a bankruptcy attorney Daphne Alabama residents turn to for debt relief, Chapter 7, and Chapter 13 cases. With more than 13 years of bankruptcy experience, the firm represents clients across Baldwin and Mobile counties. The practice also covers divorce and personal injury matters for Eastern Shore families. To compare counsel options, view more attorneys in Daphne in our directory.

The firm handles means-test analysis, reaffirmation, and creditor dispute work from filing through discharge. Additionally, the office assists with foreclosure-defense posture and lien stripping in appropriate Chapter 13 cases. Initial consultations help debtors understand which chapter best fits their goals.

What Clients Say

Clients describe the firm as steady, approachable, and focused on real debt solutions. Reviewers highlight clear explanations of bankruptcy procedure and reliable timeline updates. For example, debtors praise thorough preparation of schedules and 341 meeting coaching. The firm’s reputation in Baldwin County reflects years of consistent consumer and small-business bankruptcy work.

Bankruptcy Attorney Daphne — Practice Areas & Services

• Chapter 7 liquidation cases for individuals under the federal Bankruptcy Code.
• Chapter 13 wage-earner plans restructuring consumer debts over three to five years.
• Foreclosure defense and mortgage cure plans filed through Chapter 13.
• Divorce and uncontested family matters in Baldwin County Circuit Court.
• Personal injury claims including auto and slip-and-fall matters under Alabama law.
• Creditor harassment and FDCPA response strategies for distressed consumers.

Frequently Asked Questions

Where are Daphne bankruptcy cases filed?

Consumer bankruptcies are filed in the US Bankruptcy Court for the Southern District of Alabama, Mobile division, at 201 St. Louis Street in Mobile. The 341 meeting of creditors is held at the same location. Most cases require a single courthouse appearance.

How much does bankruptcy cost in Alabama?

Attorney fees vary by chapter and case complexity. Chapter 7 flat fees are common, while Chapter 13 fees often spread across the plan payments. Court filing fees are set by federal rule.

How soon after filing is discharge issued?

Chapter 7 discharges are typically entered about 90 days after filing. Chapter 13 discharges follow completion of the 3 to 5 year plan. Timing depends on creditor objections.