If the bills, garnishments, or collection pressure have outrun your income, talk with a Montgomery bankruptcy attorney about what Chapter 7 or Chapter 13 may actually do.
Brock & Stout has helped clients since 1996 and has filed more than 40,000 bankruptcy cases firmwide. Our Woodmere Boulevard office is a real place to sit down and talk.
30 years serving clients · 40,000+ bankruptcy cases filed firmwide
Brock & Stout opened this Montgomery location as the firm’s fifth office. It sits at 6336 Woodmere Boulevard, near Carmichael Road and Interstate 85. That is a working office, not a listing on a map. If debt in the capital city has become unmanageable, you can start here.
Whatever brought you in—job loss, medical bills, divorce, a business that did not recover, high-interest balances, or a judgment—the useful question is what options you have now. Our job is not to pressure anyone into bankruptcy. It is to explain what Chapter 7 or Chapter 13 may accomplish, what the limits are, and whether filing makes sense based on the facts.
For Alabama exemptions, courts, and the federal rules that apply statewide, see Alabama bankruptcy resources.
A Woodmere Boulevard office matters when you want to talk locally. Thirty years of bankruptcy work matters when the file is more complicated than a slogan.
Woodmere
Montgomery Office
30
Years Serving Clients
40,000+
Bankruptcies Filed Firmwide
8,000+
Five-Star Reviews Firmwide
The bankruptcy-case total is a firmwide historical figure, not cases filed in one office. The review count is firmwide and is not limited to bankruptcy matters. Measured by consumer debtor filings in the State of Alabama. This is not a claim that Brock & Stout is better than other consumer bankruptcy law firms. Past filings do not guarantee a result in any case.
We file more consumer bankruptcy cases in Alabama than any other firm. That volume means our team has worked through the kinds of debt, income, property, and creditor problems Alabama families actually face, and can explain Chapter 7 and Chapter 13 before you decide.
6336 Woodmere Boulevard is a Brock & Stout location you can visit. Please call first. Phone and video appointments are available when coming in is hard.
The firm has practiced consumer bankruptcy since 1996. Montgomery is the fifth office in that history.
The 40,000+ figure is firmwide. It is not a Montgomery-only count, and it does not guarantee a result. It does mean this work is not new to us.
We want you to understand Chapter 7, Chapter 13, property issues, and the limits of filing before you choose a path. A consultation does not obligate you to file.
People call this office for different reasons. You do not need a crisis already in court. If the numbers no longer work, that is enough to talk.
Credit cards, medical bills, and personal loans can pile up even when someone has been trying to stay current. You do not have to wait for a lawsuit before asking what Chapter 7 or Chapter 13 might change.
Filing a bankruptcy case generally triggers the automatic stay, which can stop many wage garnishments while the stay remains in effect. Exceptions exist, and a prior filing can affect the stay.
Chapter 13 may sometimes provide a way to address eligible mortgage arrears over time while ongoing payments continue. Timing matters. We do not promise that every home can be saved.
Bankruptcy can affect repossession activity, and Chapter 13 may sometimes help address missed vehicle payments. If the vehicle has already been taken, additional issues apply. Timing is important.
Many qualifying unsecured debts may be dischargeable. That can include credit-card balances and medical bills in the right case. Not every debt is dischargeable, and liens need a separate look.
The automatic stay generally pauses most collection lawsuits and collection activity while it remains in effect. It does not freeze every possible action, and completed sales or judgments create extra questions.
Chapter 7 is the chapter many people mean when they talk about a fresh start. In an individual case, qualifying debts can be discharged so the filer is no longer personally responsible for paying them.
Chapter 7 does not erase every debt. Eligibility rules apply. Alabama exemptions affect the property analysis. Liens are a separate question and are not automatically removed by filing.
Chapter 13 is a court-supervised repayment process that generally lasts three to five years. Plan payments go to a Chapter 13 trustee. It is not a private debt-consolidation loan, and unsecured creditors are not necessarily paid in full.
Chapter 13 is often discussed when someone is behind on a house or vehicle, or when Chapter 7 is not the better fit because of income, property, or the type of debt involved.
There is no universally better chapter. The right option depends on the debts, income, property, and goals sitting on the table in Montgomery.
| Topic | Chapter 7 | Chapter 13 |
|---|---|---|
| Basic approach | Discharge of qualifying debts through a Chapter 7 case | Court-supervised repayment process |
| Typical duration | Often a matter of months, although circumstances vary | Generally 3–5 years |
| Chapter 13 trustee plan payment | Generally no Chapter 13-style repayment plan | Plan payments to a Chapter 13 trustee |
| Dealing with arrears | Generally does not provide a multi-year catch-up plan | May help address eligible mortgage or vehicle arrears |
| Property considerations | Alabama exemptions and liens require a case-specific analysis | Often discussed when keeping certain property is an important goal |
| Eligibility | Chapter 7 rules, including applicable means-test considerations | Chapter 13 eligibility and plan requirements apply |
We compare the chapters against your facts. You do not need to arrive already knowing which one to file.
You do not need to know whether Chapter 7 or Chapter 13 is appropriate before you call. That is one of the reasons for the appointment. The consultation does not obligate you to file.
Tell us which debts are causing the most pressure, whether a paycheck is being taken, and whether a house or vehicle is at risk.
Income, property, recent transfers, and the types of debt all matter. We look at the situation as it is, not at a script.
You should leave with a plain explanation of what each chapter may do, what it cannot do, and what questions still need answers.
If you want Brock & Stout to file, we will tell you what documents we need and what happens next. If you need time, that is fine too.
Filing a bankruptcy case generally triggers the automatic stay, which stops most collection activity while the stay remains in effect. That can include many collection calls, many collection lawsuits, many wage garnishments, certain foreclosure actions, and certain repossession efforts.
Exceptions exist. Prior bankruptcy filings can affect the stay. Timing matters. A completed foreclosure sale or a vehicle already repossessed raises additional issues. Our Knowledge Center explains how the stay works.
Bankruptcy is primarily federal law. Alabama still matters because Alabama uses its own exemption scheme instead of the ordinary federal bankruptcy exemption list. Those statutes can materially affect the property analysis.
Venue generally follows the debtor’s residence or domicile, not whichever office the client contacts. Montgomery County is in the Middle District of Alabama’s Northern Division, which sits in Montgomery. Nearby counties can fall in a different division. See Alabama bankruptcy courts for the district map.
The profiles below come from our attorney directory. They include attorneys who currently practice bankruptcy and serve the Montgomery office. An attorney may serve clients through this location without being stationed here every day.
The Woodmere Boulevard office is open Monday through Friday. Please call to schedule. Consultations can also happen by phone or video when coming in is difficult. We do not promise a walk-in attorney without an appointment.
Hear From Our Montgomery Team
Tell Us What the Debt Is Doing
Sep 17, 2026 | Bankruptcy, Casey Taylor
Estimated reading time: 7 minutes One of the biggest concerns people have before filing bankruptcy is whether they will lose their home, vehicle, furniture, or other belongings. Bankruptcy does require a debtor to disclose property, but that does not mean…
Read More: Bankruptcy Exemptions: What Property Can You Protect?.png&w=3840&q=75)
Sep 7, 2026 | Bankruptcy, Spencer W. Jones
Flagstone Foods plans to lay off 98 employees at its Dothan facility beginning October 22, 2026, creating uncertainty for affected workers and their families.
Read More: Flagstone Foods Announces 98 Layoffs in Dothan
Sep 3, 2026 | Bankruptcy, Christopher Stanfield
Estimated reading time: 7 minutes When business debt becomes difficult to manage, understanding personal vs. business bankruptcy is an important first step. The right approach may depend on whether the debt belongs to the individual, the business, or both. Business…
Read More: Personal vs. Business Bankruptcy: What Is the Difference?Local pages stay practical. The Knowledge Center is where the longer explanations live—Chapter 7, Chapter 13, the stay, exemptions, and Alabama court structure.
Discharge of qualifying unsecured debt, with limits.
A court-supervised repayment process.
What filing generally pauses — and the exceptions.
How property analysis actually works.
Which debts may be addressed, and which often are not.
Exemptions, courts, and Alabama-specific issues.
Districts and divisions in Alabama.
Guides written for people who still have questions.
This page is general educational information about bankruptcy as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee results. Outcomes depend on individual facts and current federal and state law. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Comments may include Montgomery bankruptcy reviews and other bankruptcy reviews from across the firm. Brock & Stout has over 8,000 5-star ratings firmwide. That total is not limited to bankruptcy matters.
Brock and Stout made our experience, which should have been stressful, painless and stress-free. Katina Jackson, our case agent, was very knowledgable and an absolute pleasure to be around. Thank you, Brock and Stout, for a second chance that would have been impossible without your help!
Jake Taylor
9/24/2026
You do not have to decide whether to file before you call the Woodmere office. Tell us what is happening. We will look at the debts, income, and property, explain the options we see, and leave the decision with you.
A consultation does not obligate you to file bankruptcy.
Let Our Family Help Your Family.
