<![CDATA[MARSHALL LAW FIRM | BEST TUSCALOOSA BANKRUPTCY ATTORNEY - Blog]]>Tue, 18 Aug 2026 02:13:53 -0700Weebly<![CDATA[Filing for Bankruptcy in Tuscaloosa, Alabama: What You Need to Know]]>Thu, 14 May 2026 19:34:53 GMThttps://www.marshall-lawfirm.com/blog/filing-for-bankruptcy-in-tuscaloosa-alabama​Debt can feel heavy.

It can keep you up at night. It can make every phone call feel stressful. It can make you feel like you have failed, even when you have done everything you know to do.

If you are dealing with credit card debt, medical bills, personal loans, missed payments, lawsuits, foreclosure worries, or wage garnishment, you are not alone. Many people in Tuscaloosa and throughout West Alabama face financial trouble because of job loss, illness, divorce, rising costs, business struggles, or emergencies they never saw coming.

Bankruptcy may not be the path you expected to take, but it can be a legal way to protect your family, stop creditor pressure, and begin again.

At Marshall Entelisano Law, we believe financial hardship is not a moral failure, and it's never something to feel guilty or ashamed of. Sometimes, life becomes more than one person or one family can carry. When that happens, the law provides options.
​

​What Is Bankruptcy?

​Bankruptcy is a legal process that helps people who cannot keep up with their debts. It gives you a way to either eliminate certain debts or repay them through a structured plan.

For many people, bankruptcy is not about running away from responsibility. It is about finding a lawful, honest path forward when the debt has become impossible to manage.

When you file for bankruptcy, you provide the court with information about your income, debts, property, expenses, and financial situation. From there, the court reviews your case and determines what relief may be available.
​A bankruptcy attorney can help you understand which type of bankruptcy may fit your situation, what property may be protected, and what to expect at each step.
​

​The Two Main Types of Consumer Bankruptcy

Most individuals who file for bankruptcy choose either Chapter 7 or Chapter 13. Each one works differently.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is often called a fresh start bankruptcy. It may allow you to eliminate many unsecured debts, such as:
  • Credit card debt
  • Medical bills
  • Personal loans
  • Old utility bills
  • Certain judgments
  • Some deficiency balances after repossession or foreclosure

Chapter 7 is often used by people who have limited income and cannot afford to repay their debts through a payment plan.

One common fear is that filing Chapter 7 means you will lose everything. That is not always true. Bankruptcy law includes exemptions that may help protect certain property. Every case is different, so it is important to speak with an attorney before assuming what will happen.

Chapter 7 is not right for everyone, but for some people, it can provide real relief and a clean financial reset.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is different. It is often used by people who have a regular income but need time and protection to catch up.

With Chapter 13, you create a court-approved repayment plan, usually lasting three to five years. This plan may help you reorganize debt into one manageable monthly payment.

Chapter 13 may be a good option if you are:
  • Behind on your mortgage
  • Facing foreclosure
  • Trying to stop vehicle repossession
  • Dealing with wage garnishment
  • Behind on certain taxes or other debts
  • Unable to qualify for Chapter 7
  • Trying to protect property while catching up over time

For many families, Chapter 13 offers breathing room. It can give you time to catch up without facing constant creditor pressure.
​

​What Happens When You File Bankruptcy?

One of the most important protections in bankruptcy is called the automatic stay.

The automatic stay can stop many collection actions, including:
  • Collection calls
  • Creditor letters
  • Lawsuits
  • Wage garnishments
  • Foreclosure activity
  • Repossession efforts
  • Bank account levies

This protection can bring immediate peace of mind. Instead of trying to fight every creditor on your own, bankruptcy places your debts into a legal process.

Debt settlement companies cannot give you this kind of protection. They may promise lower payments or debt forgiveness, but they cannot stop lawsuits, garnishments, or foreclosure the way bankruptcy can. This is one of the key differences between hiring a local bankruptcy attorney and trusting an out-of-state debt settlement company.
​

​Bankruptcy vs. Debt Settlement Companies

​Many people try debt settlement first because they are scared of bankruptcy. They may see ads promising to cut their debt, erase credit card balances, or provide “government” debt relief.

Unfortunately, some of these companies create more problems than they solve.

Some debt settlement companies tell you to stop paying your creditors. While you are waiting for a settlement, late fees and interest may keep growing. Your credit score may suffer. Creditors may still sue you. And if a creditor files a lawsuit, the debt settlement company may simply tell you to call an attorney.

There may also be tax consequences if a company settles your debt for less than what you owe. In some cases, forgiven debt may be reported to the IRS as taxable income.

Bankruptcy is different. It is handled through federal court. It creates legal protection. It can stop many collection actions. And when qualifying debts are discharged in bankruptcy, that relief is generally not treated the same way as a private debt settlement.

Before paying a debt settlement company, talk with a bankruptcy attorney. You deserve to understand the risks and your real legal options.
​

​Understanding the Means Test

If you are considering Chapter 7 bankruptcy, you may need to take something called the means test.

The means test looks at your income, household size, and expenses to help determine whether you qualify for Chapter 7. If your income is below the allowed amount, Chapter 7 may be available. If your income is higher, you may still have options, but Chapter 13 may be a better fit.

The means test can feel confusing, but you do not have to figure it out alone. A bankruptcy attorney can review your income and help you understand what you may qualify for.
​

​Do You Have to Go to Court?

Most bankruptcy cases do not look like the courtroom scenes people imagine.

In most cases, you will attend a meeting called a 341 meeting, or meeting of creditors. This is usually a short meeting where you answer questions about your bankruptcy paperwork, income, debts, and property.

Your attorney will help you prepare so you know what to expect.
​

​Is Bankruptcy Right for Everyone?
​No. Bankruptcy is not the right choice for every person or every debt problem.

Some debts may not be discharged. These may include child support, most student loans, certain taxes, criminal fines, and some other obligations.

Also, if you are behind on your mortgage or car payment and want to keep the property, Chapter 13 may be more helpful than Chapter 7.

That is why a consultation matters. The goal is not to push you into bankruptcy. The goal is to help you make a wise, informed decision for your family and your future.
​

​Why Local Legal Guidance Matters

Bankruptcy is based on federal law, but local experience still matters.

If you live in Tuscaloosa or a surrounding West Alabama community, your case must be filed in the proper court. Your attorney should understand the local process, the trustees, the court expectations, and how bankruptcy cases are handled in this area.

Marshall Entelisano Law helps clients in Tuscaloosa and throughout West Alabama understand their bankruptcy options with clear, compassionate guidance.
​

You Do Not Have to Carry the Shame Alone

Many people wait too long to ask for help because they feel embarrassed. They think they should have been able to fix the problem on their own.

But debt can become a trap. High interest, late fees, medical expenses, job loss, and rising costs can make it impossible to catch up no matter how hard you try.

Asking for legal help is not a sign of failure. It may be the first wise step toward peace.

At Marshall Entelisano Law, we offer judgment-free guidance for people who are overwhelmed by debt and ready to understand their options.
​

​Talk to a Tuscaloosa Bankruptcy Attorney

​If you are overwhelmed by debt, facing creditor calls, worried about foreclosure, or considering bankruptcy, you do not have to navigate the process alone.

Marshall Entelisano Law can help you understand Chapter 7, Chapter 13, and the legal protections available to you.

Call Marshall Entelisano Law in Tuscaloosa, Alabama, at (205) 752-1202 or schedule a free consultation today.

You have options. You have rights. And you may have a path forward.
]]><![CDATA[Beware of Outrageous Interest Rates]]>Sat, 17 Feb 2024 16:38:04 GMThttps://www.marshall-lawfirm.com/blog/beware-of-outrageous-interest-ratesA client, a single mother, needed $1,500 due to a medical hardship for her minor son.  An unnamed company “helped” her by loaning her $1,500.00 at 534.23% (YES, you read that correctly – 534.23% APR)! It will cost her 7,186.71 to repay a $1,500.00 loan!  

It should be illegal, but THAT is what bankruptcy does.  It evens the playing field against lenders like this.

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]]><![CDATA[BANKRUPTCY MYTHS DEBUNKED!  SECRETS YOUR CREDITORS DON’T WANT YOU TO KNOW!]]>Fri, 25 Mar 2022 04:24:19 GMThttps://www.marshall-lawfirm.com/blog/bankruptcy-myths-debunked-secrets-your-creditors-dont-want-you-to-knowbankruptcy is a Scary Word
B A N K R U P T C Y  --  A scary word for most people, and made that way intentionally by your creditors, lenders, bankers, landlords, and corporate America in general.  Their goal is to shame you into thinking that you are a failure or somehow dishonest because circumstances have made it impossible to pay your debts.  They make you think that filing for bankruptcy protection will ruin your credit score and  ruin your life.  For 25 years, I have helped educate my clients on their RIGHTS under the law and helped them keep their assets, rebuild their credit, rebuild their financial independence, and live life debt-free.  

SO – Let’s debunk the 5 biggest bankruptcy myths!
​

MYTH # 1: Bankruptcy will ruin my credit.

FACT:  This is one of the biggest myths told! 

The truth is that almost EVERY client sees an INCREASE in their FICO score after filing bankruptcy.  Why?  Because one of the biggest factors is your Debt-to-Income ratio, referred to in the credit industry as your DTI.  With the debt gone, your DTI vastly improves and guess what that causes?  Your FICO score to go UP!

Filing bankruptcy brings you contractually current on your debts and your creditors can no longer report late or missed payments.  Late payments and missed payments ding your credit score and make it drop every month that one is reported.  Creditors can no longer do this while you are in bankruptcy, so guess what?  You guessed it! Your credit score goes UP!
Filing bankruptcy frees up money that was being used on other creditors to enable you to maintain full and timely payments to the creditors you want to pay, need to pay, and that are for things you want to keep, like your home and cars.  Full and timely payments do what?  Right again!  Make your score go UP!
I have had countless clients over the years purchase new vehicles and homes WHILE IN A BANKRUPTCY CASE!!

SO, MYTH # 1 COMPLETELY DEBUNKED!

To prove this fact, as part of my due diligence, I will pull your credit report from “the Big Three” Credit Reporting Agency (CRA’s) used by lenders:  Experian, Equifax, and TransUnion.  The debt that you are discharging and the debt(s) that you are keeping get factored into the equation and I can show you immediately upon filing how much your credit score will improve over the next 12 to 15 months! 
​​

MYTH # 2: I WILL LOSE ALL MY ASSETS IF I FILE FOR BANKRUPTCY.

FACT:  S I M P L Y  F A L S E. PERIOD! 

It’s called Bankruptcy PROTECTION for a reason.  It PROTECTS your assets from your creditors and enables you to KEEP the assets you want and reorganize your debts in order to do so. 
I have filed thousands of cases to STOP foreclosures to allow clients to keep their homes.
I have filed thousands of cases to STOP repossessions to allow clients to keep their cars, boats, motorcyles, tractors, lawnmowers, golf-carts, utility trailers, horse trailers, tanning beds….. you name it and I’ve saved it!
I have filed thousands of cases to STOP evictions to enable clients to remain in their apartments.
I have filed thousands of cases to STOP garnishments.
I have filed thousands of cases to STOP lawsuits.
I have filed thousands of cases to STOP IRS and State Tax levies.
Bankruptcy is a federal law designed to provide YOU with RIGHTS to level the playing field with your creditors.  And you have the RIGHT to KEEP your ASSETS!

SO, MYTH # 2 COMPLETELY DEBUNKED!

MYTH # 3: I will never be able to get a loan if I file for bankruptcy

FACT:  FALSE, of course.

​I have helped countless clients obtain financing for new cars and homes WHILE THEY WERE IN BANKRUPTCY!  In addition, many of my clients have been approved for personal loans, furniture and appliance loans, remodeling or home improvement loans, etc. all while in Bankruptcy.
The fact of the matter is that the actual affect of filing is short-term although it is reported by the CRA’s for seven to ten years, depending on the chapter that you file.

SO, MYTH # 3 COMPLETELY DEBUNKED!

MYTH # 4: There is a lot of paperwork and I will have to go to Court

FACT: Pretty accurate.  While you do NOT have to attend Court right now, there is a fair amount of paperwork to get started.  Bankruptcy is a complex process and does involve a lot of paperwork and information so that I can get you the BEST results possible.  But we make it easy.  A quick consultation in office, by phone, or by video and we can get started.  Mainly the Court requires recent paystubs and tax returns.  Other than that, my team of qualified paralegals is able to get the rest of the information I need. 
Right now, you do NOT have to attend Court.  As your attorney, I can handle all aspects of your case so that you do not have to take time off from work or otherwise be inconvenienced.

And I offer a FREE option for you to securely login to your case so that you always know what’s going on.  My office will also call, text, and email you regarding important updates and developments and I am always available for YOU to discuss your case in person.  

SO, MYTH # 4 IS PRETTY ACCURATE, BUT MY MAKES IT EASY!

MYTH # 5:  It is published in the paper, and everyone will know

FACT: UNTRUE. 

Your creditors will be notified when you file.  But your debt isn’t news to them.  They already know that you owe them money.  Notification is to make sure that they do not violate your RIGHTS under the Bankruptcy Law and continue with a lawsuit, garnishment, repossession, foreclosure, or collection activity and to STOP the harassing phone calls from collection agencies. 

BUT LET’S BE CRYSTAL CLEAR:  YOUR BANKRUPTCY IS NOT PUBLISHED IN ANY NEWSPAPER OR ANYWHERE. 

​This is one of the biggest scare tactics out there.  People understandably don’t want their family, friends, and neighbors knowing their personal financial affairs and this fear keeps many people from seeking help. 

SO, MYTH # 5 IS JUST COMPLETELY UNTRUE!
 
For more information on how bankruptcy can help your unique situation, contact
Marshall Law:
              By Text: 205-258-2120
              By Phone: 205-752-1202
              By Email: marshall@marshall-lawfirm.com
              
]]><![CDATA[Time to Focus on Rental Assistance]]>Fri, 27 Aug 2021 07:00:00 GMThttps://www.marshall-lawfirm.com/blog/time-to-focus-on-rental-assistanceArticle courtesy of National Association of Realtors
 
The U.S. Supreme Court ended the Centers for Disease Control and Prevention (CDC's) eviction moratorium Thursday night, giving much-needed relief to America's small housing providers facing financial hardship for more than a year. 
 
In a 6-3 ruling, a majority of justices agreed that the stay on the lower court's order finding the CDC's eviction moratorium to be unlawful was no longer justified.
 
In their order, the justices wrote, "The moratorium has put the applicants, along with millions of landlords across the country, at risk of irreparable harm by depriving them of rent payments with no guarantee of eventual recovery. Despite the CDC's determination that landlords should bear a significant financial cost of the pandemic, many landlords have modest means."
 
The case was brought by the Georgia and Alabama Associations of REALTORS® and other property providers, with NAR's help.
 
In May of this year, U.S. District Judge Dabney Friedrich for the District of Columbia had struck down the ban as unlawful, but she stayed her ruling pending appeal. The case wound up twice before the D.C. Circuit Court of Appeals and Supreme Court.
 
In a statement, NAR said of the ruling:

"This decision is the correct one, from both a legal standpoint and a matter of fairness.  It brings to an end an unlawful policy that places financial hardship solely on the shoulders of mom-and-pop housing providers, who provide nearly half of all rental housing in America, and it restores property rights in America.
 
"No housing provider wants to evict a tenant-it is always a last resort and reserved for the rarest cases. The best solution for all parties is rental assistance, and all energy should go toward its swift distribution.  Nearly $50 billion of aid is now available to cover up to a year-and-a-half of combined back and future rent and utilities for struggling tenants-and every state has started a program to distribute the funds.
 
"With this rental assistance, now is the time to return the housing sector to its former, healthy function.  NAR is thankful for the Biden administration's new guidance to speed up rental assistance distribution, which includes many NAR recommendations. We will continue to work with all parties to make that assistance readily accessible to tenants and housing providers." 

NAR cautions housing providers that some state and local governments may still have their own eviction moratoria in place. (See more here.)

Stayed tuned to NAR for the latest analysis on this finding. 

Access NAR's rental assistance resources.]]><![CDATA[U.S. Eviction Moratorium Rejected By The Appeals Court]]>Wed, 25 Aug 2021 07:00:00 GMThttps://www.marshall-lawfirm.com/blog/us-eviction-moratorium-rejected-by-the-appeals-courtExcerpt from the JD Journal... 

​On Friday, the federal appeals court rejected a petition by landlord groups demanding that the latest moratorium on residential evictions imposed by President Joe Biden's administration be temporarily halted, setting up a Supreme Court showdown. Two chapters of the National Association of Realtors sought to stop the COVID-19 pandemic-related eviction ban set by the Center for Disease Control and Prevention (CDC) by filing a written request to the U.S. Court of Appeals for the District of Columbia Circuit. A moratorium, implemented after a previous one expired at the end of July, will be in effect through Oct. 3. The moratorium was challenged by real estate groups in Alabama and Georgia. 
​
Read the full article here www.jdjournal.com/2021/08/25/u-s-eviction-moratorium-rejected-by-the-appeals-court/

​If you have questions regarding an eviction, please contact Marshall Law.  Marshall and his staff have helped thousands of clients avoid eviction.  205-752-1202.  The call is easy and the consultation is always free.
]]><![CDATA[DEBT COLLECTION RULES SCHEDULED TO CHANGE]]>Tue, 03 Aug 2021 16:30:00 GMThttps://www.marshall-lawfirm.com/blog/debt-collection-rules-scheduled-to-change​Two new rules by the Consumer Financial Protection Bureau affect how creditors can collect debts under the Fair Debt Collection Practices Act (FDCPA) and are expected to take effect November of 2021 or early in 2022.

The first debt collection rule focuses on the use of communications related to debt collection, and clarifies prohibitions on harassment and abuse, false or misleading representations, and unfair practices by debt collectors when collecting consumer debt.

The second debt collection rule clarifies disclosures debt collectors must provide to consumers at the beginning of collection communications. The rule also prohibits debt collectors from making threats to sue, or from suing, consumers on time-barred debt. The rule requires debt collectors to take specific steps to disclose the existence of a debt to consumers before reporting information about the debt to a consumer reporting agency.
​
If you are receiving collection calls, texts, emails, or correspondence, contact Marshall Entelisano Law to discuss your options.]]><![CDATA[EVICTION MORATORIUM ENDED JULY 31, 2021]]>Mon, 02 Aug 2021 22:56:27 GMThttps://www.marshall-lawfirm.com/blog/eviction-moratorium-ended-july-31-2021Congress chose not to extend the eviction moratorium, which expired July 31, 2021. According to a study by the Aspen Institute and the COVID-19 Eviction Defense Project, an estimated 15 million people in 6.5 million U.S. households are currently behind on rental payments. 

While there is federal money available to help those who suffered an economic impact due to COVID after January of 2020 and who are 150% below the poverty line, much of it has yet to be distributed.

The U.S. Health and Human Services (HHS) publishes the poverty guidelines:

2021 POVERTY GUIDELINES FOR THE 48 CONTIGUOUS STATES AND THE DISTRICT OF COLUMBIA
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Visit https://eraalabama.com (Emergency Rental Assistance Alabama) to see if you qualify for rental assistance.  If you have received an eviction notice from your landlord and are now able to resume your rent payments and have a term left in your lease, contact Marshall Entelisano Law now to discuss your options.  205-752-1202.
]]><![CDATA[FORECLOSURE MORATORIUM]]>Wed, 28 Jul 2021 07:00:00 GMThttps://www.marshall-lawfirm.com/blog/foreclosure-moratoriumDue to the COVID-19 pandemic, many mortgage companies and mortgage servicers agreed to forbearances for those affected by COVID and unable to pay their mortgage.  The CARES Act provided for forbearances for 13 months.  The forbearance moratorium ends June 30, 2021, at which time mortgage companies and mortgage servicers will be able to commence foreclosure on delinquent accounts.

The Department of Housing and Urban Development, Department of Veterans Affairs, Department of Agriculture, and the Federal Housing Finance Agency (the independent agency that oversees Fannie Mae and Freddie Mac) extended forbearances for three months for those homeowners coming to the end of their forbearance period.  These departments cover roughly 2.7 million borrowers, approximately 70% of homeowners. 

The American Rescue Plan provides $10 billion dollars in aid to states for use with struggling homeowners.  This aid is critical in the private market whose loans are in more immediate jeopardy of foreclosure.

Please visit consumerfinance.gov/housing for up-to-date information on relief options.

The Law Firm of Marshall A. Entelisano, P.C. is committed to helping clients keep their home.  If you receive a foreclosure notice or are unable to pay your past-due mortgage payments, chapter 13 provides a method by which you may keep your home and make payment arrangements on the past due amounts.  In addition, this will enable to you to address your other debt issues as well with the goal of providing you with both cash flow and debt relief and to provide peace of mind knowing that you will not lose your home.
​
Please contact me today at 205-752-1202 to schedule a FREE consultation to discuss your financial options.]]><![CDATA[Chapter 13 Plan Extensions]]>Tue, 15 Dec 2020 05:25:42 GMThttps://www.marshall-lawfirm.com/blog/chapter-13-plan-extensionsThe CARES Act was enacted March 27, 2020 and it allows chapter 13 debtors whose cases were confirmed on or before March 26, 2020 and who are experiencing or have experienced material financial hardship due to the coronavirus to extend their plans for up to 7 years (84 months).
This window to seek a plan extension expires a year from enactment or until March 27, 2021.  Therefore, all term modifications or extensions must be requested and filed prior to March 27, 2021.

Keep in mind that you may always move to reduce your plan term but will be unable to extend it beyond 60 months unless a motion to modify your Plan to extend the term has been filed prior to March 27, 2021.
​
A Plan extension may help make your case more affordable and prevent dismissal.  If you are interested in extending your Plan term under the CARES ACT, please contact me prior to March 27, 2021 to discuss.]]><![CDATA[COVID-19 Alert]]>Thu, 09 Apr 2020 07:00:00 GMThttps://www.marshall-lawfirm.com/blog/covid-19-alertPURSUANT TO THE SUPREME COURT OF ALABAMA, LAW OFFICES ARE DEEMED ESSENTIAL SERVICE PROVIDERS AND MAY REMAIN OPEN TO SERVE THE PUBLIC.

The Law Office of Marshall A. Entelisano (Marshall Law) is OPEN and is maintaining normal business hours.

Monday through Thursday 8:30 a.m. – 5:00 p.m.
Friday 8:30 a.m. – Noon
UNTIL FURTHER NOTICE -- BY APPOINTMENT ONLY  CALL 205-752-1202

​
COVID – 19 WARNING:  PLEASE BE AWARE THAT WHILE THE CARES ACT PROVIDES SUBSTANTIAL RELIEF TO QUALIFYING DEBTORS, THERE IS A LOT OF MISINFORMATION BEING CIRCULATED SO BEWARE OF SCAMS AND OFFERS THAT ARE “TOO GOOD TO BE TRUE.”

FORECLOSURES:   THE CURRENT MORATORIUM ON FORECLOSURES APPLIES ONLY HUD-BACKED LOANS. IT DOES NOT APPLY TO PRIVATE MORTGAGE TRUSTS OR SERVICERS. 
 
PLEASE CONTACY MY OFFICE IMMEDIATELY IF YOU RECEIVE A FORECLOSURE NOTICE OR NOTICE OF ACCELERATION FROM YOUR MORTGAGE SERVICER.
 
MORTGAGE PAYMENTS: CONTINUE TO MAKE YOUR MORTGAGE PAYMENTS TO THE EXTENT THAT YOU ARE ABLE TO DO SO AND KEEP PROOF OF ALL PAYMENTS.  IF YOU ARE UNABLE TO MAKE YOUR CURRENT MORTGAGE PAYMENT IN FULL, PLEASE CONTACT MY OFFICE.
 
PLEASE READ THE FINE PRINT OF ANY SUSPENSION, DEFERMENT, OR FORBEARANCE AGREEMENT THAT YOU RECEIVE FROM YOUR MORTGAGE SERVICERS. WHILE MANY SERVICERS ARE AGREEING TO A PAYMENT “SUSPENSION” FOR 60 TO 90 DAYS, THE ENTIRE PAST DUE AMOUNT MUST BE PAID ONCE PAYMENTS ARE SCHEDULED TO RESUME.
 
PLAN PAYMENTS:   CONTINUE TO MAKE YOUR PLAN PAYMENTS TO THE EXTENT THAT YOU ARE ABLE TO DO SO.  SHOULD YOUR PAYMENTS BE MADE VIA A WAGE WITHHOLDING ORDER, THE ORDER WILL NOT REMIT WHILE YOU ARE OFF WORK RECEIVING UNEMPLOYMENT AND WILL RESUME ONCE YOU RETURN TO WORK.
 
IF YOU CANNOT MAKE YOUR PLAN PAYMENTS AT THIS TIME, PLEASE CONTACT MY OFFICE SO THAT I CAN MODIFY OR SUSPEND YOUR PLAN PAYMENTS TO PREVENT YOUR CASE FROM BEING DISMISSED OR STAY RELIEF BEING GRANTED TO A CREDITOR.
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