Your Path to Financial Freedom Starts Here.

Brandi W. Beard, Bankruptcy Attorney

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To be the beacon of hope for individuals burdened by financial struggles, offering unwavering support and guidance towards a brighter, debt-free future.

Practice Areas

Fresh Start: Navigating Consumer Bankruptcy for Debt Relief

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    Chapter 7 Bankruptcy

    Consumers who qualify for Chapter 7 are able to eliminate unsecured debts such as credit cards, medical bills, signature loans, deficiency balances and more. They can also keep their home and automobiles as long as they are not behind on those monthly payments.

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    Chapter 13 Bankruptcy

    Consumers who qualify for Chapter 13 benefit from a court-approved debt reorganization plan. This option can help income-earning clients who have fallen behind on house and automobile payments. Not only does it allow them to keep those assets, but it often provides an adjustment to contract terms and interest rates.

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    Bankruptcy Stops

    Bankruptcy stops foreclosures, repossessions, lawsuits, garnishments and harassing debt collection calls. It stops mortgage foreclosures, wage and bank garnishments, automobile repossessions, communications from harassing debt collectors, lawsuits, certain tax debts and mounting debt from medical and credit card bills.

Secure a Debt-Free Future

"I became a lawyer to make a difference in people's lives. My clients are more than just cases; they're individuals with families, jobs and stories. If I can ease their burden, even slightly, then I've fulfilled my purpose. And that's truly something."

Brandi W. Beard, Attorney at Law

Get to Know

Brandi W. Beard Attorney at Law

Brandi Whaley Beard was born and raised in Birmingham, Alabama. She graduated magna cum laude from the University of Alabama at Birmingham with a Bachelor of Science in Psychology and a double minor in English and Criminal Justice. She earned her Juris Doctor from Cumberland School of Law at Samford University.

Prior to attending law school, Brandi worked as a bankruptcy paralegal for eight years. During law school, she clerked for James G. Henderson, United States Bankruptcy Trustee for the Northern District of Alabama, Southern Division and later became his associate at Pritchard, McCall & Jones, LLC in Birmingham, Alabama.

Brandi met her husband, Jim Beard, while in law school and several years later relocated to his hometown of Guntersville, Alabama. They have one daughter, are members of Guntersville First Methodist Church and enjoy spending most of their spare time on the lake.

Brandi is a member of the Alabama State Bar and is licensed to practice in the United States District Court for the Northern District of Alabama.

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Frequently Asked Questions

  • Not necessarily. Most clients are able to keep:

    • house

    • automobiles

    • wages

    • furnishings

    • household goods

    • Mortgage Foreclosures

    • Wage and Bank Garnishments

    • Automobile Repossessions

    • Communications from harassing debt collectors

    • Lawsuits

    • Certain Tax Debts

    • Mounting debt from medical and credit card bills

  • The fact that you filed bankruptcy can appear on your credit report for up to 10 years. However, that does not mean you will never again be able to get credit. In fact, most clients are surprised by how soon they receive credit offers after filing for bankruptcy and how quickly their credit begins to recover.

  • Only your creditors and anyone who co-signed on your loans will be notified that you have filed bankruptcy. Although such filings are a matter of public record, they are not published in the media and are only discovered through active searching.

  • Married individuals can file bankruptcy without their spouse. However, if you have any joint assets or debts, it can impact your spouse. It is very important to disclose such information to your attorney so she can discuss with you your best alternatives.

  • Areas/Counties Served

    • Blount: Blountsville, Cleveland, Hayden

    • Cullman: Arab, Cullman, Hanceville

    • DeKalb: Crossville, Ft. Payne, Fyffe

    • Etowah: Attalla, Gadsden, Rainbow City

    • Jackson: Scottsboro, Stevenson, Woodville

    • Jefferson: Birmingham and surrounding areas

    • Madison: Huntsville, Madison, Meridianville

    • Marshall: Albertville, Arab, Boaz, Guntersville

    • Shelby: Alabaster, Columbiana, Pelham

    • St. Clair: Ashville, Springville, Pell City

TESTIMONIALS

  • Brandi W. Beard is an engaging and experienced bankruptcy attorney dedicated to her clients’ financial and personal success. Not only does she develop a clear and concise strategy for her clients within a timeline that ensures the best possible outcome, but she has an ability to communicate that strategy in a reassuring way that puts you at ease in even the most overwhelming of circumstances.

    Michael S.

  • I have known Brandi since she was in law school. I watched her work her way up the legal ladder and become an amazing lawyer. She has a strong work ethic and a lot of integrity. She believes in the work and has a strong passion for people who need help. Not only is she extremely smart, but she is not afraid to fight for the underdog. It has never been about the money for her. If I ever needed a compassionate and street smart lawyer, Brandi would be the first person I would call.

    Amy L. JD.

  • Astute, meticulous, persistent, tenacious, gracious and loyal are but a few of the words I would use to describe Brandi. For two decades, I have observed her insatiable work ethic and dedication to her clients. As one of my confidants and sage advisors, she is the consummate professional who provides the perfect blend of legal wisdom with real world pragmatism. I cannot recommend Brandi’s counsel on legal matters with anything other than emphatic enthusiasm!

    Mark B.

  • She truly cares about her clients, going above and beyond to offer support and guidance during challenging times. It was an honor to collaborate with Brandi Beard Attorney at Law, I wholeheartedly recommends her services to anyone seeking legal assistance in bankruptcy matters in Guntersville. Whether you're facing complex financial issues or seeking professional guidance, Brandi embodies the perfect blend of expertise, empathy, and professionalism.

    Bethani H.

  • Brandi displayed utmost professionalism in her work. She was proactive in keeping me informed about the progress of my case, and I highly recommend her services for anyone seeking expertise in bankruptcy law.

    Jennifer S.

  • If you’re struggling with your finances and not sure which direction to go, call Brandi Beard. She’s an extremely knowledgeable and experienced lawyer in Guntersville, and also easy to talk to and down to earth. She can advise you about bankruptcy and whether it’s right for you.

    T. Mathews

  • We recently used the services of Brandi W. Beard, Attorney at Law and was very impressed with her knowledge and experience. She is located in Guntersville, AL and would happily use her again.

    V. Barber

  • Brandi Beard is a great attorney! I highly recommend her for all your legal needs.

    G. Graves

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Contact Us Today

Ready for a fresh financial start?

Need legal assistance? Contact us today.

Discover personalized guidance through your bankruptcy journey with Brandi W. Beard, Attorney at Law, backed by over 18 years of experience. We're here to assist you in exploring your options and navigating towards financial stability. Reach out today to start your path to a brighter future.