Case Study: That Boyfriend from Twenty Years Ago Ruined My Credit Today. The first call of the day was from a suburban mom. She was in tears after her paycheck was garnished from out of the blue. We talked for a while, and I explained all the legal protections of...
Case Study: Saving Your Home After the Death of a Husband I was able to help my client save her home after her husband passed away this spring. With the expenses of his last illness and burial, her fixed retirement income was not enough to pay the mortgage for several...
Stop Mortgage Foreclosure FAST! Today we helped our client to save her home from mortgage foreclosure. When she called, there was a mortgage foreclosure scheduled on her home. Following an illness and missed work she reached out to the mortgage lender, but they didn’t...
Prices are rising and credit card balances are hitting record levels. Interest rates are moving up into the 18% APR range for folks with better credit ratings. Worse for the rest. Household debt is rising faster than inflation. Due to record high home values, credit...
Life After Bankruptcy Ok, it's over. You have your Chapter 7 bankruptcy discharge from the Bankruptcy Court. What now? Do these seven things to tie up your loose ends and begin your fresh start the right way! Keep Keep your Discharge Order. Keep your lawyer's contact...
So here’s what’s up: To Tenants: If the government says you don’t have to pay your rent and there’s a ban on evictions, you better do whatever you can to pay your rent. There will be major repercussions when evictions bans are lifted. Don’t think you’ll get a free...
Do-It-Yourself Bankruptcy? This is the era of Do-It-Yourselfers. Spend a few hours on Google, download the official bankruptcy forms, and you can file your own bankruptcy or Chapter 13! What could possibly go wrong? Tomorrow, December 1, 2015 NEW bankruptcy forms...
Now You Can Hire a Lawyer to Sue Your Creditors! This is very good news for bankruptcy debtors who have been abused and wronged by creditors. Over in the 9th Federal Circuit, the Appeals panel has issued a ruling that is good news for Americans who are abused by...
In a break from tradition, instead of a blog entry essay, I am reproducing the entire article from www.collectionscreditrisk.com that can be found here: alabama-payday-lending-tops-in-two-months I could not say it better myself. Payday loans are the scourge of the...
Bad Loans Remain Well Above Precrisis Levels Even though unemployment is shrinking, wages have fallen over the past seven years since the Great Recession of 2007. Banks are struggling to make new loans to a smaller pool of high credit rating holders. The bad debts...
Come see my new Bankruptcy Answers page. Ask Me Anything Bankruptcy. Bankruptcy Questions Answered. 205-259-1909
The “Means Test” Is a “Paper Tiger” for Most People. Let me say this first: The "Means Test" is a "Paper Tiger" for most people. It's scary when you first see it but an experienced Chapter 7 bankruptcy lawyer can show you that it is mostly toothless. That being...
What Type of Bankruptcy Are You Eligible For? One of the common misconceptions about bankruptcy is that many people — high wage earners in particular — are not eligible. The truth is: everyone with debt problems is eligible to file bankruptcy. The question is what...
Fair Consumer Reporting in Bankruptcy Act of 2015. Creditors can prevent you from getting your fresh start after your Bankruptcy has ended if hey fail to report the debt to the Credit Reporting Agencies as zero and bankrupt. It happens more than it should. This...
Does Bankruptcy Make Sense For You? It's a good question. Over the past 23 years representing Chapter 7 and Chapter 13 bankruptcy clients have told me how they knew it was time to get protection from debt. There are five ways most people know. 1. Age and...
Pitfalls of Credit Unions and Bankruptcy Credit Unions offer many advantages to their members; among these are low loan interest rates and easier loan acceptance. The Credit Union will offer lower interest rates if the member will bring his car loan and mortgage and...
Post-Foreclosure Hell For the many thousands of good, hardworking Alabama homeowners who were forced from their homes by foreclosure during the ongoing Great Recession, there is a nasty flashback coming from the past to haunt them. Many have no idea that it is about...
Can One Spouse File For Bankruptcy? When married couples are in need of debt relief, there are many different approaches they can take to get it. When the possibility of filing for bankruptcy is considered, questions frequently arise about the best way to go about it:...
Can I File More Than Once? One of the more common misconceptions about bankruptcy is that a person is only able to file one time and then will never be allowed to file again. This is not true. While there are certain restrictions with regard to how frequently you are...
Can I Keep My Retirement Savings? Many people end up exhausting their retirement savings in order to pay off debts such as hospital or credit card bills. A better solution may be to discharge the debt by filing bankruptcy. When you file bankruptcy, you can keep your...
Can I Afford To File Bankruptcy? Many people put off filing bankruptcy because they think they can’t afford it. In reality, if you are making minimum payments on credit cards just to kick the can down the road, you are probably spending good money after bad....
Will my neighbors know that I have filed for Chapter 7 Bankruptcy? Not unless you tell them. No one puts a sign in your yard. Not even your mother will know. Bankruptcies are public record, but someone would have to look at your credit report or search the Courthouse...
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