Melinda Murphy Dionne

Bankruptcy Attorney

Birmingham | 205.453.1012
Tuscaloosa | 205.349.5911
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    • How Much Does it Cost to File Bankruptcy
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      • FAQ – Chapter 13 Bankruptcy
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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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How do I Get a Free Credit Report?

Written by Melinda Dionne, Esq., October 5, 2011, Credit Score

Every consumer is entitled to obtain 1 credit report, free of charge, from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from www.annualcreditreport.com. AnnualCreditReport.com is the official web site to help consumers to obtain their free credit report via secure website, phone or mail. Therefore, you should carefully read the fine print on other web sites offering “free” credit reports. Many of them are only free for a short period of time and then you get charged, often 

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What’s in a number? – Understanding your credit score

Written by Melinda Dionne, Esq., October 5, 2011, Credit Score

What is a credit score? A credit score is a number, based on a snapshot of your credit report at a particular point in time, which summarizes your credit risk and helps a lender evaluate your credit report. The most widely used credit scores are FICO® scores created by FICO (Fair Isaac Corporation). The FICO® score range is 300-850®. What is in a FICO® score? There are five main categories of information that FICO® scores evaluate. These are Payment History, Amounts Owed, Length of Credit 

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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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