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Scammers seem to get savvier every day. There is a new scam going on that begins with a phone call, usually to your cell phone. I have received a few of these calls myself on my cell phone. The caller will tell you that you have won either the Publisher’s Clearinghouse sweepstakes or a Caribbean cruise. Sounds great…right?

This is a question that we often get asked when someone is contemplating filing for bankruptcy. First of all, if someone has perfect credit, meaning that they have never been behind on any debts, then filing for bankruptcy will hurt their credit dramatically.

What Is the Automatic Stay?

The success of the television reality show, Dance Moms, may have been a godsend in helping Abby Lee Miller obtain a successful discharge of her Chapter 11 bankruptcy. Back in 2010, before the first episode of Dance Moms aired, Ms. Miller filed a chapter 11 Bankruptcy.

Vince Young, once hailed as “Superman” on the cover of Sports Illustrated, filed for Chapter 11 Bankruptcy protection last week.  Young was the 3rd overall pick in the 2006 NFL draft and earned over $60 million dollars during his NFL career.  Young is blaming others around him for his financial situation and is currently suing his former agent Major Adams, II and his former financial advisor Ronnie Peoples claiming the two defrauded hi

A common question that our clients ask us is whether they can purchase a vehicle either during or after their bankruptcy and, if so, who can they contact to do so? Several lenders and car companies advertise the ability to finance someone either during or after a bankruptcy. Do your research carefully and choose someone that you trust and that provides what you believe to be a sound running vehicle.

There are a number of different reasons claimants’ applications for Social Security disability benefits are denied.  They range from a variety of technical reasons, e.g. you haven’t paid enough into the systems, to denials based on the merits of your case.

As the law currently stands, a bad credit rating can prevent potential employment with some jobs. Whether credit rating is a factor completely depends on the employer.

In a few short weeks, many households will start receiving their tax refunds and wonder how they should spend those refunds.  At Bond & Botes, we would like to offer two suggestions: