Welcome to Financial Security

At Gina H. McDonald and Associates, LLC, your first meeting will always be with an attorney qualified to help you sort out your financial issues. With locations in Oneonta and Pelham, our firm specializes in Chaper 13 Bankruptcy and Business Bankruptcy, representing clients across central Alabama.

We realize that the hardest decision is to make the initial call to a law firm. Our firm is compassionate and we care about the personal struggles that you and your family are facing. You will always be treated with respect and dignity. We understand that you are more than likely facing many difficulties.

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Let us help you tackle your financial problems

Remember that you are not alone. Our staff and attorneys have helped thousands of people across central Alabama in the last 10 years...people just like you!

Let us put you on the road to a solid financial future.

People who have lost a job, suffered a medical tragedy, divorce, burdened with student loan or tax debt have all trusted our firm to help them stop foreclosure, repossession, garnishment, judgment, and streamline debt repayment

Bankruptcy What Does the Bible Say about it?

Debt and financial hardships affect people of all race, religion, and gender. Financial hardship happens to anyone at any time with out notice and that is what the associates at Gina H. McDonald understand. We are here to help you. The decision to file bankruptcy is a very emotional and personal decision ‐ don't make it alone.

A common concern amongst Christians that are considering bankruptcy is whether it is sinful to not repay their debts.

The Bible does speak frequently of debt and how we should handle our debts; however, the Bible does not expressly forbid or approve of going into debt, there are several instances where the Bible gives guidance on how debt should be viewed. One emphasis that is made in the Bible is how debt can make you a slave to the money owed. Jesus died to free us from slavery to our sins, yet debt can keep us in the grip of the money owed for years – making us a slave to that debt.

It is better to say nothing than make a promise and not keep it.

Ecclesiastes 5:5

This verse can be construed to mean that one should not incur debt with the promise of repaying that debt only to later not be able to keep that promise. On the other hand, most people do not intentionally incur debt with the intent of not repaying the debt. Most individuals who have incurred debt and are contemplating bankruptcy were able to pay all of their bills, including their credit card debts. Typically, people consider filing bankruptcy because of a financial crisis that has affected their income and expenses.

As you can see from the above verses and analyses, the Bible does not explicitly forbid or encourage debt. With no clear answer on how the Bible views debt, how can one decide how the Bible views bankruptcy? Once again, the Bible does not give a clear statement on whether bankruptcy is a sin. However, there are several verses in the Bible that do refer to one’s inability to pay their debts.

When they were unable to repay, he graciously forgave them both. So which of them will love him more?

Luke 7:42

Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.

Romans 13:8

At the end of every seven years you shall grant a release of debts. And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of his neighbor or his brother, because it is called the Lord’s release.

Deuteronomy 15:1-2

This verse is probably the most relevant to the concept of bankruptcy and the “release” of debts that takes place when a person receives a discharge in bankruptcy. Although the Bible is indeed conflicted regarding debt and the inability to repay debts, there is good news for Christians who are contemplating bankruptcy. The Bible encourages people to not be a slave to their debts, and calls for the release of debts after certain time periods.

The Bible is certainly not opposed to the concept of bankruptcy, and bankruptcy is not considered to be a sin.

However, this does not make bankruptcy any easier for a family who is exploring their options and considering filing bankruptcy due to their financial situation. As with any major life decision, it is one that should be prayed over, discussed with loved ones, and considered carefully. If you do decide to file bankruptcy, you will find that you will be blessed with a fresh financial start so that you can continue with your life without being a slave to the debt.

If you are contemplating filing Chapter 7 Bankruptcy or Chapter 13 Bankruptcy, please contact our office at 205-982-3325 for a free consultation.

Areas Of Practice

Bankruptcy Law

Get the fresh start you deserve by eliminating the legal requirement to pay your debts and stop creditors from harassing you.

Our attorneys help thousands of people just like you throughout the state of Alabama. The hardest step is making that first call for help. We are here to help you, and have been for over 10 years. Call us today.

Injury Law

  • car accidents
  • trucking accidents
  • motorcycle accidents
  • slip and fall accidents
  • product liability
  • medical malpractice
  • wrongful death
  • catastrophic injuries
  • worker's compensation

Divorce Law

Our firm recognizes the importance of the family unit, and the desperation and disruption often caused by a divorce. Our attorneys will help you through this difficult and complex time in your life.


DISCLAIMER: The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Gina H. McDonald & Associates, L.L.C.

Birmingham Office
2057 Valleydale Road, Suite 202
Birmingham, AL 35244

Phone: 205-982-3325
Fax: 205-982-7070
Oneonta office
305 1st Avenue East
Oneonta AL 35121

Phone: 205-625-3325