What to Do If You're in Bankruptcy and Your Home Was Hit By a Tornado

Both Lee and Barbour counties are located within the Middle District of Alabama. Many lives were affected yesterday by the tornadoes that swept through Lee and Barbour counties. Our thoughts and prayers are with the families and communities affected by the tornadoes for their lives will be forever changed by these tornadoes.

As most Alabamians know by now, there were multiple fatalities and injuries suffered by those in our communities yesterday. Currently, in Lee County, some people are still missing after the tornado so please take a moment to pray for those missing and that they will be recovered. Also, please pray for those searching for these individuals and the first responders.

Bankruptcy & Tornado Questions Answered

For any of those affected in those areas by the storms and in bankruptcy, some questions that you may have are:

What do I do if I cannot make my bankruptcy hearing?

Call your attorney to ask to have your hearing continued to a date when you can attend.

What do I do if I cannot make my chapter 13 payment?

Call your attorney to see about having your chapter 13 payments excused for a period of time due to the impact of these disasters. The court may excuse a certain number of payments BUT that does not shield you from your creditors pursuing action in court against your property.

Can I make an insurance claim?

Yes, you may make an insurance claim to have your home/cars replaced. If any insurance money is to come to you directly and you are in chapter 13, you must notify your attorney before spending any of these funds.

How to Help Those Affected

For those who may be reading this and are just wondering how you can help the families affected by these tornadoes, please consider donating to one of these funds:

• American Red Cross: You can donate money or blood through this organization. This organization provides shelter, food, and comfort to the families affected by these storms.
• Governor’s Emergency Relief Fund: This is a “fund of last resort” for the unmet needs of families trying to recover from disasters within our state. The money received is managed through The United Ways of Alabama.

As these communities come together, I am sure there will be more ways to donate to help these communities recover so be sure to check for reputable organizations as disclosed by your local news sources. May God be with those suffering from the aftermath of the tornadoes that swept through this District yesterday. If you are suffering from financial troubles after a storm affected your home or belongings, contact a trustworthy attorney today.