Melinda Murphy Dionne

Bankruptcy Attorney

Birmingham | 205.453.1012
Tuscaloosa | 205.349.5911
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Can I get student loan relief without filing bankruptcy?

Written by Melinda Dionne, Esq., February 2, 2015, Credit and Bankruptcy, Credit Score, General Legal

Can I get student loan relief without filing bankruptcy? It’s almost impossible to have student loans discharged in chapter 7 bankruptcy. Your only option is to show that repaying your loans would cause an extreme hardship on you or your dependents.  Very few people can demonstrate this to the court’s satisfaction. If you are struggling to repay your loans, you may have other options.  These can help eliminate some or all of your student loan debt.  There may also be options available that can help keep you 

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How Do I Rebuild My Credit After Bankruptcy?

Written by Melinda Dionne, Esq., October 10, 2014, Credit and Bankruptcy, Credit Score

How do I rebuild my credit after bankruptcy? If you’ve recently filed for bankruptcy, you may be feeling a mix of relief and trepidation. You may also be asking yourself  “how do I rebuild my credit after bankruptcy?”  While having filed for bankruptcy can eliminate unsecured debts in the case of a Chapter 7 filing or allowed you to renegotiate them in a Chapter 13 filing, you may be worried about how a bankruptcy on your credit report will affect your finances going forward.  These 

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C is for Child Support

Written by Melinda Dionne, Esq., October 8, 2012, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Credit and Bankruptcy, The ABC's of Bankruptcy

C is for Child Support – a special status in Bankruptcy. In an effort to help in the enforcement of child support orders, the Bankruptcy Code gives priority status to unpaid child support.  Priority Debts are generally non-dischargeable in bankruptcy, so a person who owes a priority debt will not be granted a discharge as to that debt under the Court’s discharge order. Keeping Current on Child Support is Mandatory. In the bankruptcy legislation that took effect in October of 2005, Child Support was given 

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Saving Your Car with A Chapter 13 Bankruptcy

Written by Melinda Dionne, Esq., October 22, 2011, Chapter 13 Bankruptcy, Credit and Bankruptcy

Saving Your Car with A Chapter 13 Bankruptcy – In Order to Do So, You Must File Chapter 13 BEFORE Your Car is Repossessed In the 11th Circuit Court of Appeals case of Lewis v. Charles R. Hall Motors, Inc. (In re Lewis), 137 F.3d 1280, 1282 (11th Cir.1998), the Appeals Court determined that Alabama Debtors cannot compel the return of a car that was repossessed prior to the filing of their bankruptcy case.  Occasionally, a creditor will agree to give the car back but 

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Why Judgments Kill Your Credit Score

Written by Melinda Dionne, Esq., October 5, 2011, Credit and Bankruptcy

What is a judgment? A judgment occurs when a creditor takes you to court, sues you, and wins its case against you. The creditor must do this before the statute of limitations runs for the original debt. In Alabama, the statute of limitations for oral contracts, written contracts, and promissory notes is 6 years from the date of your last payment or the date the creditor sends you a demand letter, and the statute of limitations for open-ended accounts is 3 years from the date 

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How Does Filing Bankruptcy Impact on My Credit Score?

Written by Melinda Dionne, Esq., October 5, 2011, Credit and Bankruptcy

So, you’re considering filing a Chapter 7 or a Chapter 13 bankruptcy case but worried about what it will do to your credit score. This is a legitimate concern as, by law, a chapter 7 bankruptcy filing can show up on your credit report for as long as ten years from the date of filing and a chapter 13 bankruptcy case can show up on your credit report for as long as seven years from the date of filing. The Impact of Bad Credit Versus 

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Helpful Articles

  • Can I get student loan relief without filing bankruptcy?
  • How Do I Rebuild My Credit After Bankruptcy?
  • D is for Divorce – Issues to consider before filing
  • C is for Child Support
  • Bankruptcy Lawyers to Avoid

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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