Melinda Murphy Dionne

Bankruptcy Attorney

Birmingham | 205.453.1012
Tuscaloosa | 205.349.5911
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      • FAQ – Chapter 7 Bankruptcy
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Do I have to list every debt I owe in my Chapter 7 bankruptcy case?

Written by Melinda Dionne, Esq., June 19, 2010, Chapter 7 Bankruptcy

Yes, you must list every debt that you owe when you file a Chapter 7 bankruptcy case.  The law requires that you list all of your debts and all of your assets.  As a debtor, you have a duty to provide a full and complete picture of your financial situation.  You cannot pick and choose which creditors to list. Your petition is signed under penalty of perjury.  Intentionally failing to list a debt can result in criminal charges.  While this is rare, it is certainly 

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Who is the Chapter 7 Trustee?

Written by Melinda Dionne, Esq., January 18, 2010, Chapter 7 Bankruptcy

Every Chapter 7 bankruptcy case has a trustee.  In Chapter 7 cases in Alabama, the Chapter 7 trustee is an attorney who serves on a panel.  Each member of the panel is assigned cases on a rotational basis.  Some divisions rotate trustees on a weekly basis while others rotate based on the number of cases assigned. It is the job of the Chapter 7 trustee to represent the interests of the unsecured creditors.  The Chapter 7 trustee does not represent you.  You have an attorney 

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What is a Chapter 7 Bankruptcy Case?

Written by Melinda Dionne, Esq., January 18, 2010, Chapter 7 Bankruptcy

Most people talk about Chapter 7 as a “total liquidation.”  People believe that they will lose all their property in exchange for wiping out all their debt.  Very few people actually lose any property when they file a Chapter 7 case.  In fact, almost 99% of Chapter 7 cases are deemed “no asset” which means that the trustee found no property to sell for the creditors.  In making his determination, a trustee has to subtract any money owed on property and a debtor’s exemptions.  Next, 

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Tuscaloosa Office | 2606 8th Street, Tuscaloosa, Alabama 35401 | Phone: 205-349-5911

Birmingham Office | One Perimeter Park South, Suite 100N, Birmingham, Alabama 35243 | Phone: 205-453-1012

Melinda Murphy Dionne represents clients in Central and West Alabama including Birmingham, Tuscaloosa, Centerville, Fayette, Jasper, Moundville, Tuscaloosa County, Bibb County, Blount County, Fayette County, Greene County, Hale County, Jefferson County, Lamar County, Perry County, Pickens County, Shelby County, Sumter County and Walker County.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

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