Bankruptcy Answers for Alabama

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 that limp along keep banks from recovering and...

Come see my new Bankruptcy Answers page.  Ask Me Anything Bankruptcy. Bankruptcy Questions Answered. 205-259-1909

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 said, read on.... The "Means Test" determines whether...

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  Retirement Savings.  When you look at your...

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 signature loans and credit cards to the...

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 to hit them.  Just at...