Holmes & Associates
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Bankruptcy & Debt Consolidation in Birmingham, Anniston, Gadsden, Tuscaloosa, Talladega, and Walker County areas. The Law Office of Cindee Dale Holmes, experienced Birmingham bankruptcy lawyer, represents clients who are seeking debt relief services which may include debt consolidation or filing bankruptcy. Cindee is a licensed Birmingham bankruptcy attorney and has over twenty years of experience helping clients who feel burdened by their debt management and financial problems.

She understands that each client's circumstances is different and requires individual attention and solutions tailored to their unique needs. She will help you leave your worry or guilt behind and feel at ease. Cindee will help you find a brighter day with a better quality of life; a life no longer burdened by your financial worries. Cindee will meet with you and take the time necessary to examine your individual situation.

She will listen to your needs and your concerns. She will tell you all of your options to solve your financial problems and explain them to you.
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Learn about debt elimination in Birmingham through debt consolidation, debt settlment, or bankruptcy.
The Bankruptcy Law Firm of Cindee Dale Holmes offers advice and debt relief services in Birmingham, Tuscaloosa, Anniston, Bessemer, Homewood, and the surrounding towns in Jasper and Walker counties, Alabama.
The firm practices bankruptcy law in Birmingham, because Ms. Holmes feels a genuine desire to use her legal skills to help improve the lives of her clients.
Cindee Dale Holmes doesn't believe that there is just one approach when dealing with Birmingham debt reduction, although she does practice a consistent philosophy of compassion when dealing with clients and no-nonsense toughness when it comes to protecting them.
A native of Alabama, Cindee an Alabama lawyer grew up in Talladega County.
Although from a small area, Cindee began stepping ahead in a leadership role early, as she put down her trumpet and became the youngest drum major ever at Munford High School.
Cindee attended Samford University on full academic scholarship.
She received her Bachelor of Science degree in 1984 with a major in public administration, which is a combination of the study of economics, history, and political science.
In 1988 she received her Juris Doctorate from the University of Alabama School of Law in Tuscaloosa.
Bankruptcy & Debt Consolidation in Birmingham, Anniston, Gadsden, Tuscaloosa, Talladega, and Walker County areas.
In general, Chapter 7 requires the analysis of the assets that you own, and the debts you owe, to determine if there is excessive equity in your assets which can be used to pay your creditors.
A trustee is assigned to oversee the analysis of your assets and is tasked with protecting the rights of your creditors.
Chapter 11 bankruptcy offers both corporations and sole proprietors the opportunity to reorganize their finances.
Bankruptcy & Debt Consolidation in Birmingham, Anniston, Gadsden, Tuscaloosa, Talladega, and Walker County areas.
If you are overwhelmed by debt that you are unable to pay, filing for Chapter 7 bankruptcy is an option you may want to consider.
Different from both Chapter 11 and Chpater 13 bankruptcy in a Chapter 7 bankruptcy, sometiems referred to as a liquidating bankrutpcy, in return for having debts discharged, (meaning the debtor is no longer legally obligated to pay them) the debtor turns over certain property to the Chapter 7 Bankruptcy Trustee.
Bankruptcy & Debt Consolidation in Birmingham, Anniston, Gadsden, Tuscaloosa, Talladega, and Walker County areas.
Cindee Dale Holmes is an experienced Birmingham bankruptcy lawyer who understands the financial stress and personal anguish that accompany a business failure.
She can help you negotiate the requirements of a Chapter 11 bankruptcy filing to work out the best possible outcome.
Chapter 11 bankruptcy is generally used by businesses but can be used by individual debtors who do not qualify for Chapter 13 because their debts exceed the Chapter 13 limit.
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