Give Me 30 Minutes & I’ll Show You How to Wipe Out Debt, Stop Harassment, and Rebuild Your Financial Future—Without Losing Your Home, Car, or Savings.
Trusted by over 2,500 North Alabama Families | 25+ Years of Local Experience
– 25+ Years of Bankruptcy Expertise
– Thousands of Families Helped in Madison & Jackson County
– 5-Star Rated & Recommended by Clients
– Immediate Relief from Creditor Calls & Garnishments
The relentless creditor calls. The sleepless nights worrying about bills. The sinking feeling that you might lose everything you’ve worked for.
I understand. As a proud Alabama native, I’ve sat across from thousands of good people in our community who felt the same fear and shame. But here’s the truth I’ve learned over 25 years: financial struggles are a crisis, not a character flaw. And there is a way out.
At Bankruptcy Solutions with Jeffrey B. Irby, we help families across Huntsville, Scottsboro, and all of Northern Alabama protect what matters most and start fresh—with clarity and confidence.
We’ve spent decades perfecting a step-by-step process that takes the confusion and fear out of bankruptcy.
The 4-Step Path to Your Peace of Mind:
1: Your FREE, Confidential Consultation
We listen to your story, analyze your situation, and outline all your options. You will speak with me, Jeffrey Irby, directly—not a paralegal.
2: We Build Your Custom Plan
We handle all the complex paperwork and craft a strategy tailored to protect your home, car, and savings.
3: File & Find Immediate Relief
We file your case, triggering the “Automatic Stay” that legally forces creditors to stop all calls, garnishments, and lawsuits.
4: Your New Beginning We guide you to a financial discharge and a new start, offering guidance to rebuild your future.
– WARNING: The Risks of Waiting: Why ignoring the problem can cost you years of hardship and what to do instead.
– The Proven Strategy for Your Situation: Learn whether Chapter 7 or Chapter 13 is the best path to protect your assets and eliminate debt.
– 3 Simple Tips to Rebuild Credit FAST: Practical steps you can start taking immediately to repair your financial stability.
– The Biggest Myths About Bankruptcy—Debunked! (Spoiler: You won’t lose everything, and your credit can recover).
Let’s clear the air on the biggest fears I hear every day:
– MYTH: “I’ll lose my home and car.”
– TRUTH: The bankruptcy code is designed with exemptions to protect your essential assets. In most cases, families keep their home, car, and personal belongings.
– MYTH: “Bankruptcy will ruin my credit forever.”
– TRUTH: It’s the first step to rebuilding healthy credit. Many of our clients are able to get credit for cars and homes again, often sooner than they thought possible.
Schedule Your FREE Consultation: Book your 30-minute, no-obligation session.
Get Your Custom Plan: We’ll explain your options and the best path forward.
Find Peace of Mind: Move forward with a clear plan to protect your family and your future.
We know how overwhelming this is. That’s why your consultation is:
– 100% FREE & Confidential
– Judgment-Free
– Conducted by me, Jeffrey Irby
– Focused solely on your best interests
If you don’t find our meeting helpful, you walk away with no obligation—just more clarity and peace of mind.
Stop losing sleep over debt. You have a trusted, local expert ready to help you navigate this and find a real solution.
Schedule your free, 30-minute consultation now.
Prefer to Talk? Call Us Directly at (256) 882-2222
Not necessarily. In most cases, bankruptcy is designed to help protect your essential assets like your home, car, and retirement savings—not take them away.
No. While it will impact your credit initially, it is also the first step to rebuilding. Many clients see their credit begin to improve within a year of discharge as they are freed from overwhelming debt.
The best way to know is through a professional evaluation. If you are drowning in debt, facing garnishment, or worried about foreclosure, it is certainly worth exploring. We will give you an honest assessment during your free consultation.
Chapter 7 is designed to eliminate unsecured debt like credit cards and medical bills. Chapter 13 is a reorganization that allows you to catch up on missed mortgage or car payments over 3-5 years. We will explain which is best for you.
No. The moment your case is filed, an "automatic stay" goes into effect, which is a federal order that legally stops all collection actions, including calls, lawsuits, and garnishments.
