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Are you experiencing money problems? Chapter 13 debt consolidation or Chapter 7 straight bankruptcy may be an option for you. Call my office for a free appointment to discuss your situation. Evening and Saturday appointments available. We can help you STOP GARNISHMENTS, FORECLOSURES, and REPOSSESSIONS. Chapter 13 or Chapter 7 will also STOP HARASSING PHONE CALLS AND LETTERS.. DAVID L. RATCLIFFE OVER 30 YEARS EXPERIENCE! We are conveniently located at 1005 Dauphin Street, Mobile, AL 4 miles east of I-65, We serve MOBILE, BALDWIN, WASHINGTON, CLARKE, CHOCTAW, MONROE, ESCAMBIA & CONECUH COUNTIES.