Blogs

When filing for bankruptcy, you may occasionally receive letters from various companies offering their services because of your bankruptcy filing.  Some of those letters relate to the personal financial management course that you are required to complete to receive you bankruptcy.  There are a few agencies that will immediately send you solicitations after you file bankruptcy to entice you in completing the personal financial

Many people are unable to pay their bills as they become due but clearly not all of them are candidates for bankruptcy.  So when should an individual consider filing for bankruptcy?  The truth is that there is no bright line to help make this determination.  Each person’s situation is different.  Here, however are some of the factors that should be considered in making this determ

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