Home Page – Melinda Murphy Dionne
Get the answers you need without leaving home.
Welcome to my practice. My name is Melinda Murphy Dionne. I have practiced bankruptcy law for the past 29 years. During that time, I have represented Debtors in Chapter 7, Chapter 11 and Chapter 13 cases. I personally handle every aspect of your case.
Personal service from an experienced bankruptcy attorney.
I answer all of your questions. When you call you will speak to me and only me. Most people are shocked when I actually answer my own phone. Your case is important. It deserves to be treated that way. You deserve the kind of one-on-one treatment that my clients receive.
Telephone and in person consultations FREE OF CHARGE.
I offer free telephone consultations as well as free office consultations. By simply calling, you can find out if bankruptcy, or an out of court work-out, will help you get a fresh start. Could it be any easier than making a phone call?
My clients can always reach me.
As my client, you will have my personal cell phone number and my email address. You can contact me by phone, email, and by text. You can reach me during the week by telephone from 8:30 a.m. to 6:30 p.m. If you have an emergency after hours, or on the weekend, you can email me, text me, and even call me. I am here to help you through this difficult time.
You don’t have to struggle. I can help.
Bankruptcy offers real debt relief. It offers hope when you thought all hope was lost. You have my promise that I will treat you like I would like to be treated if I were faced with having to file a case.
You will get answers from me personally and from my website.
Explore my website to find out answers to many of your questions. If you still have questions, call me and I will personally talk to you about your situation.
Get started today.
Call me today at 205-349-5911 (Tuscaloosa) or 205-453-1012 (Birmingham) and let’s get started developing a plan to get you out of debt. It is time to stop struggling and find a solution to your debt problems.
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About Bankruptcy
My name is Melinda Murphy Dionne. I was born in Sylacauga, Alabama. I graduated from Alabama, Summa Cum Laude in 1983. In August of 1983, I began my legal studies at the University Of Alabama School Of Law. I graduated law school and began clerking for the Honorable George S. Wright, in May 1986. 
Chapter 13 Bankruptcy can lower your interest rate or payment on certain loans, protect co-signers, pay attorneys fees, keep all property and stop creditor harassment. 
There are some disadvantages to filing Chapter 13 Bankruptcy. For example, only individuals with regular, stable income can file, and you will be under the supervision of the court for a period of time. 
Chapter 7 is the quickest and least expensive form of bankruptcy. It is a form of bankruptcy that allows debtors to wipe out most of their unsecured debt and any secured debt on property that debtors wish to surrender. 
Find out the important things to look for when seeking the help of a reputable credit counselor. It is important to do your homework when it comes to choosing a credit counselor. 
The only reason to file a bankruptcy case is that it will improve your life. Bankruptcy can actually improve your health, your happiness, your relationships with the ones you love. Eventually it can also improve your credit score. 
Learn about the possible pitfalls of debt consolidation loans. Many people who get these types of loans often end up in worse trouble down the road. Debt consolidation can be the beginning of the end. 
Find out how debt management programs can destroy your credit. Can you afford to pay both your creditors and the debt management company until you have proof your creditors have accepted your plan? 
These programs involve hiring a company to negotiate with your creditors for lower payments, debt concessions, or lower interest rates. Debt Negotiation Programs are very risky and can have a long term negative impact on your credit. 
Negotiating directly with your creditors is something that you can do yourself. In general, you can attempt to get your creditors to lower your interest rates, reduce the amount you owe, or adjust your payments to a more manageable level.