Law Office of

CINDEE DALE HOLMES

“This is the beginning of a new day-No more sleepless, restless nights! Bring your financial worries to me and start enjoying the sunrise.”
— Cindee Dale Holmes

Meet Cindee, from The Law Office of Cindee Dale Holmes.

Don’t be Afraid of What You Don’t Know…

Bankruptcy, Debtors Court:

For 30+ years We’ve Been Quietly Saving our Clients Homes, Cars, Jobs, Marriages…

Contact Cindee Dale Holmes to Get back in Control of Your Financial World.

Birmingham Bankruptcy Attorney

Bankruptcy & Debt Consolidation in Birmingham, Anniston, Gadsden, Tuscaloosa, Talladega, and Walker County areas

The Law Office of Cindee Dale Holmes, an 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 thirty years of experience helping clients who feel burdened by their debt management and financial problems. She understands that each client's circumstances are different and require individual attention and solutions tailored to their unique needs. She will help you leave your worry or guilt behind and feel at ease.

Comfort and Clarity in Your Journey

At Cindee Dale Holmes, we understand that the prospect of bankruptcy can be daunting.

The process, filled with unknowns, might seem scary. That's where we come in.

We Turn Uncertainty into Understanding

Our role goes beyond providing legal advice. We prioritize making each client feel more comfortable. We bring clarity to the dark corners of the bankruptcy process, transforming the fear of the unknown into understanding. You may not know what's coming next, but we do.

Our team is committed to guiding you every step of the way.

Your Greatest Asset in a Complex Process

Armed with extensive experience and in-depth knowledge, our attorneys are prepared to navigate the complexities of bankruptcy law. While you may be facing this challenge for the first time, we've walked this path countless times before. Trust us to turn the intimidating into the manageable.

By partnering with Cindee Dale Holmes, you’re not just getting legal representation, but an ally who stands by you in tough times, ensuring your journey to financial recovery is as smooth and stress-free as possible.

Turning Financial Hardship into Relief

•

Turning Financial Hardship into Relief •

See what clients say about working with Cindee Dale Holmes & Law Firm:

  • "Cindee was recommended to me by my whole family, most of them have used her off and on throughout the last 20+ years. I was stuck in a car payment on a car that was not worth 1/4 of the amount owed on it. The interest rate was over 28% and I was having issues with the vehicle. Cindee put me into a chapter 7 on that vehicle and around $14,000.00 worth of unsecured credit card debt. 2 weeks after I filed the chapter 7 I was able to go get a newer vehicle with a much lower payment, half the interest rate (I had no down payment so my interest rate could have been lower had I had money to put down). I also ended up with many credit card pre-approval letters after filing but thankfully Cindee talked me out of getting any more credit cards in my name unless they were secured credit cards. Cindee and her staff were so nice to me and made me feel comfortable. They made me realize I shouldn't feel guilty and blame myself for my situation. Due to health issues causing me to miss work, un-paid, and having unexpected medical expenses, I could not keep up with all of my monthly bills, regular utilities, rent, etc., the most relief I felt was when I got my discharge papers. I recommend Cindee to everyone I know."

Free Consultation - Tailored to Your Needs

At Cindee Dale Holmes, we believe in starting your journey to financial recovery on the right note, which is why we offer a free consultation.

But it's not just about providing a cost-free service; it's about flexibility and convenience for our clients.

The Comfort of Choice

Whether you prefer discussing your situation over the phone or meeting us in person, we accommodate your preferences.

We understand that every individual's comfort and convenience is paramount, especially when discussing sensitive matters like financial struggles.

An Informative, No-Obligation Discussion

During this complimentary consultation, we will review your unique circumstances and highlight potential options that could offer significant relief.

We're committed to providing you with valuable insights into the bankruptcy process, tailored to your specific situation. And the best part? It costs you absolutely nothing.

Our goal is to equip you with knowledge and options, providing you with a firm foundation to make informed decisions about your financial future.

Ready to Regain Control of Your Financial Future?

Financial struggles can feel overwhelming, but you don't have to face them alone.

Cindee Dale Holmes, an experienced bankruptcy attorney in Birmingham, Alabama, is here to help.

With over three decades of experience, Cindee offers personalized, effective strategies to alleviate your financial distress. She's more than just a lawyer; she's a partner in your journey towards financial stability, ready to guide you every step of the way.

Don't let debt dictate your life. Take the first step towards a brighter future today. Reach out to Cindee Dale Holmes and discover the relief of a life unburdened by financial worries.

 FAQs

  • Filing a Chapter 7 and getting a discharge will show a $0.00 balance on all of your unsecured debts (besides student loans, restitution, back child support and some taxes) therefore your debt-to-income ratio is drastically changed which will help your credit more than hurting it. Filing a Chapter 13 means over 5 years you will be paying back your debts so during that 5 years you can not obtain new debts (without court approval) but your credit, in the end, will increase.

  • Not true. With Chapter 7 you can buy a car within months of filing, you can buy a house within 2 years of your discharge. With Chapter 13, you’re not to obtain any new debts without getting the Court's approval but it can be done, if necessary.

  • It depends but generally, no. If you’re filing a Chapter 7 and you do not have a lot of equity in your home (over $16,450) or a vehicle worth a lot more than you owe, there is no reason you would lose either, as long as your finance payments are current. In Chapter 13, no. Chapter 13 is payback court so there is no reason to lose anything while in Chapter 13. I will not put anyone in Chapter 7 or Chapter 13 if there is a possibility they may lose their house or car unless they want to surrender them.

  • We have to list ALL debts you owe, including all credit cards. Credit card companies will close your account once you file for Chapter 7 or Chapter 13. Typically after a chapter 7 is filed you will begin to receive A LOT of credit card pre-approval letters. Creditors know you can only file once every 8 years so they have no reason not to offer you credit.

  • No. In Chapter 7/13, if you do not have more than $16,450.00 equity in your home, a lien can be Avoided thru a “Motion to Avoid Judicial Lien”

  • YES! As long as a case is filed before the foreclosure sale, your house can be saved! The mortgage arrearage will go into a Chapter 13 case and it can be paid through the 5-year plan.