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Rafael Gil III

Rafael Gil III

  • Bankruptcy, Social Security Disability, Personal Injury...
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Rafael Gil was admitted to practice in 2000. Prior to attending law school, he was employed in the banking field. Having a background in finance and banking, during law school, Rafael decided to practice in the area of Bankruptcy Law. Rafael Gil clerked for a bankruptcy attorney for two years, before graduating from law school. Upon graduating, he moved to Dothan AL and opened up his law office in 2000 concentrating his practice to Bankruptcy Law. In the process, he has filed thousands of bankruptcy cases, representing both individuals and businesses. Rafael Gil III was born in San Juan, Puerto Rico in 1975. He is married to the former Kimberly Phipps of Dothan and has 4 children. He graduated from Auburn University with a Bachelor of Science Degree in Pre-Law, with an Associates Degree in Criminal Justice in 1997. He received his Juris Doctor from Faulkner University, Jones School of Law in 2000. He is licensed in Alabama and the Federal Courts in the Middle District of Alabama. He is a member of the American Trial Lawyers Association, National Association of Consumer Bankruptcy Attorneys and American Immigration Lawyers Association

Practice Areas
  • Bankruptcy
  • Social Security Disability
  • Personal Injury
  • Foreclosure Defense
  • Free Consultation
  • Credit Cards Accepted
  • Contingent Fees
Jurisdictions Admitted to Practice
11th Circuit
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  • Spanish: Spoken
Professional Experience
Law Clerk
Backus & Associates
Thomas Goode Jones School of Law, Faulkner University
J.D. (2000) | Doctor of Law
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Auburn University
B.S. (1997) | Pre-Law; Accounting
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Top 10 Bankruptcy Attorney of Alabama
American Jurist Institute
Top Lawyers in Alabama
The Legal Network
Top National 100 Lawyers
The National Advocates
Top Lawyers in Alabama
The Legal Network
Top Lawyers in Alabama
The Legal Network
Top Lawyers in Alabama
The Legal Network
Professional Associations
Alabama State Bar # 7783A53G
- Current
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Articles & Publications
Chipping Away at Debt
The Dothan Eagle
Speaking Engagements
Personal Finances and Budgeting, Relief Society Conference, Dothan, Alabama
LDS CHurch
Guest speaker giving financial advise and counseling to women. Discussed personal finances and how to budget correctly.
Websites & Blogs
Legal Answers
32 Questions Answered

Q. I am a Owner operator ‘ Trucking ‘ the past year I have had major mechanical repairs . Due to loans that have basically
A: Chapter 13 might be a good option for you. You can consolidate all your debts, including your truck, and have your payments lumped into one lower payment.
Q. If I retire from my job (64 yrs old) can my Chp 13 be converted to a Chp 7 if I can now pass the means test?
A: Yes, if your income falls below the median income you could qualify for a 7. You need to talk to your lawyer b/c converting to a 7 can have a negative impact on your assets.
Q. After a default payment on a mortgage, what is the statute of limitations to initiate a foreclosure proceeding?
A: Well there isn't a quote unquote "statute of limitations" to foreclose. Technically, once you have defaulted under the terms of the contract (i.e. loan), the mortgage company can start the foreclosure proceedings. Of course, they have to go through the legal process, which could take several months to complete.
Q. Can the power company shut off service for non payment at a different residence bc my brother used my name on the bill?
A: If I were you I would contact the Alabama Public Services Commission and file a complaint.
Q. If a bank foreclosed on my home, can the bank hold a friend of mine (who house sits for me) liable for the loan?
A: No, she cannot be held liable for the loan unless she executed a loan with her name on it.....your friend is safe!!
Q. Can I legally take an a/c unit from a foreclosed home?
A: No you cannot, the a/c unit becomes a "fixture" and thus part of the home.
Q. My mom's house was recently foreclosed on due to a reverse mortgage.We are in the process of removing our belongings
A: No.....once you purchase a central a/c unit it becomes a fixture and part of the house.
Q. Can I Purchase a home 30 months out of foreclosure
A: That is a great question. The answer is that it depends. Really depends on the mortgage company, your income, your credit score, etc. I know that when you file for chapter 7 bankruptcy and wipe out the foreclosure, you can purchase a home after 2 years.
Q. Grandmother passed and has a mortgage that is going into foreclosure what can i do to save it and stay in the home
A: You can try to cure the default by paying the arrears and foreclosure fees. If the grandchild is subject to inheriting the home and actually lives in the home, the grand child can file for chapter 13 bankruptcy to save the home.
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Contact & Map
The Gil Law Firm
111 Adris Place
Dothan, AL 36303
Telephone: (334) 673-0100