Kristi Hammonds Owens, Bankruptcy Attorney in Gadsden, Alabama

Kristi concentrates on bankruptcy, chapter 13, chapter 7, criminal defense, and estate planning. Each area below outlines the kind of case Kristi handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Chapter 13

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• Chapter 7

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• Criminal Defense

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• Estate Planning

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Kristi's primary office is at 755 Walnut Street, Gadsden, AL, 35901. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Kristi usually go, from the moment you request a consult to the day representation begins.

Kristi discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Kristi for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Kristi walks through the likely range during the consult so there are no surprises.

• Does Kristi offer a free consultation?

  Kristi charges for the initial consult; that fee is credited toward representation if you retain Kristi's office. Some bankruptcy attorneys offer free consults — check Kristi's current terms during booking.

• How long do bankruptcy cases in Alabama typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Kristi gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Kristi take my case if I'm outside Gadsden?

  Kristi is licensed in Alabama. Matters governed by Alabama law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Kristi will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Kristi?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Kristi will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Kristi accepting new bankruptcy clients right now?

  Kristi's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.