Blogs

Can You File Bankruptcy on Business Debt Only?

Bradford Botes Alabama Bankruptcy AttorneyThis is a question that we hear often. A man or woman will call in with what they think is a simple question. He or she will share that they have been operating a business and want to know if they can bankrupt on just the business debt and keep their personal debt out of the bankruptcy. In this situation, as in many, the answer is not a simple one.

Alabama is at the Top of the List for Predatory Lending

Amy TannerA recent article published by the Southern Poverty Law Center reports that Alabama has more title loan lenders than any other state per capita. According to the SPLC article, there are four times as many payday lenders in Alabama than McDonald’s Restaurants. The high poverty level in Alabama draws these predatory lenders who prey on Alabama’s citizens who have fallen on hard times.

Do You Need to Notify the Bankruptcy Court of a Personal Injury Lawsuit?

Yes, if you filing a bankruptcy or currently in a chapter 13 bankruptcy, you must disclose in your schedules that you have a personal injury claim or lawsuit or you may be prohibited from bring your personal injury lawsuit in state court.   Judicial Estoppel is a discretionary equitable legal doctrine that was developed by the Courts to prote

What Happens If You Get Sick And Don't Have Health Insurance

Bradford Botes Alabama Bankruptcy AttorneyIt happens.  People lose their jobs.  People change jobs.  A young adult becomes too old to be included on her parent’s health insurance policy.  A divorce can results in the party that was relying upon her spouse for insurance no longer being covered.

Security Clearance Concerns – Alcohol Consumption and Drug Involvement

This is my second  installment of a two part blog series on security clearance concerns. These blogs discuss the most common issues as they relate to security clearance issues.

This blog post deals with alcohol consumption and drug involvement.  Guidelines G and H of DOD Directive 5220.6 deal with these concerns.  The specific guidelines are as follows:  Guideline G, Sections 21 and 22 and Guideline H, Sections 24 and 25.