Mitchell Howie is a bankruptcy lawyer in Huntsville, Alabama and the surrounding area with years of experience handling bankruptcy as well as personal injury, divorces, family disputes and compensation in workman’s compensation claims.

The basic concept behind bankruptcy is providing people away out of debt with a chance to wipe the slate clean and start over. It also is a way to ensure that all their creditors get fair treatment when it comes time to divide assets that are available. There are several types of bankruptcy, with two main types. There is liquidation and reorganization.

Mitch can also handle your divorce, which is a legal decree that a marriage no longer exists. The process of a divorce involves the division of property, the needs of the children and, increasingly, the needs of the grandparents.

Personal injury law deals with a specific wrong. You and/or your property were injured. If that injury was the result of someone else’s negligence, then you can take that person to court in order to prove they had failed in their duty to prevent injury. If they are found negligent, then you may be awarded money for medical costs, property losses, loss of consortium, loss of wages and pain and suffering.

Now, if you have suffered a work-related injury or illness that prevents you from working, you are eligible to receive benefits from the state workers’ compensation program. Worker’s compensation laws provide money to pay for medical expenses and to replace lost income. The employee is not required to prove that the injuries were caused by negligence of the employer in order to recover under the workers compensation laws. Mitch can easily explain the benefits under these laws.

Mitchell Howie has represented individuals and small business owners in legal matters from corporate organization to dissolution and is a full service law firm since 1991. Legal business services range from determining what type of organization whether a business should be partnership, incorporation or a limited liability corporation. Individual legal services include adoption and divorce to estate planning and probating a will. The firm believes that a successful business or personal financial plan requires legal expertise in multiple areas. Mr. Howie successfully protected a minority shareholders rights in “squeeze-out merger” in Ex Parte Baron Services, Inc. in 2003. In that case, the Alabama Supreme Court disallowed the use of a minority shareholder discount in valuing the shareholders stock.

In representing injured individuals, the law firm has successfully litigated or settled hundreds of personal injury cases with an emphasis on automobile accidents and uninsured motorists.

Mr. Howie is also licensed to practice in the Federal Bankruptcy Courts in Alabama. Debts discharged range anywhere from medical bills to car loans to title pawn/cash loan debts.

In the area of family law, the firm has attempted to obtain a fair and equitable division of marital property and the payment of child support based upon Alabama law. In Stewart v. Stewart the Ala., Court of Civil Appeals overturned the Madison County Circuit Court requiring that there be a good reason for variation from judicial guidelines of child support awards.

Bankruptcy was designed to help a person in debt to get a fresh start. If it were not for bankruptcy most people would spend their lives working to pay off the banks and other creditors without any hope of realizing the American dream of home ownership and retirement. The process is governed by federal and state law and decisions are made in federal bankruptcy court. There are five types of bankruptcy, but for most people filing for personal bankruptcy, there is Chapter 7 and Chapter 13. With a Chapter 7 bankruptcy or liquidation, your non-exempt assets are taken and sold with the proceeds given to your creditors. If you fit within the Alabama homestead and personal property exemptions you may not be required to give up any assets. The bankruptcy exemptions in Alabama are provided for in the Alabama Constitution and in Alabama Code Section 6 Chapter 10. You should consult with a bankruptcy attorney in Huntsville Alabama to determine what you exemptions are.

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