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The Credit Repair Organizations Act (CROA) is a federal consumer law found among the other various federal consumer protection laws and is located at 15 U.S.C .

Appeal!

Years ago when I first started practicing Social Security disability law, the conventional wisdom was that with an attorney your chances of success at the hearing level of appeal in North Alabama ran as high as 60%-70%.

Unfortunately, the rate  of that high  success percentage  has plummeted.

Most divorce decrees and marital settlements will address the debts that exist at the time the parties separate. There is usually some type of division of the debt. Most couples have debt that turns out to be his, mine and ours. The only party that the creditor is interested in is the person who is actually liable on the debt.

Many of our clients present us with these questions, especially during tax season. The simple answer to these questions is… maybe…

This area of questions is actually quite complicated.  If you find yourself presented with these types of questions, we recommend seeking the assistance of your tax advisor or a tax professional.

In the practice of law, it is never acceptable to miss a deadline upon which you are required to file a document.  In most circumstances,  failure to meet a deadline can be fatal to your case.

Fortunately, if you have missed the deadline upon which you must file an appeal of an unfavorable decision by the Social Security Administration (SSA), it does not always spell the end of your application for disability benefits.

The short answer to this question is NO. Once you file any form of bankruptcy, the automatic stay takes effect. It is a clear violation of the automatic stay for a creditor to activate a car shut off device after the filing of a bankruptcy.

Capital One Tricking Customers to Collect Debts

YES, it is extremely important that you file a tax return on time to avoid having penalties assessed against you.  If you cannot afford to pay the IRS in one lump sum, pay as much as you can with the return.  By filing your tax return on time you avoid having a late filing penalty fee assessed by the IRS.  In addition, you will be able to reduce the amount of interest assessed when you pay as much as you can afford wh

Many times creditors and debt collectors will coerce, usually by harassment, people into allowing them to take money directly from their checking or savings bank accounts. You have an absolute right to stop this seizure of your money at any time.