Hardest Hit Alabama Program May Be Able to Assist with Mortgage Payment, Loan Modification, or Short Sale Assistance
Submitted by the Bond & Botes Law Offices - Wednesday, November 20, 2013
Starting in 2007, America experienced a major housing crisis due to people losing their jobs and home prices declining. Alabama was one of 18 states who were the hardest hit by the housing crises. To assist homeowners in these 18 states, the U.S.
When Filing Bankruptcy Does the State You Live In Make a Difference?
Submitted by the Bond & Botes Law Offices - Monday, November 18, 2013
The Proposed National Chapter 13 Plan
Submitted by the Bond & Botes Law Offices - Thursday, November 14, 2013
The Federal Rules Committee has proposed a National Chapter 13 Plan at Rule 3015(c) of the Bankruptcy Rules that, if approved, would go into effect on December 1, 2015. The national plan is intended to standardize consumer cases and make it easier for pro se debtors as it comes with an instruction booklet. The national plan will also make it easier for large creditor firms to quickly look over plans as it standardize
How Long Does it Take to Get a Decision for Social Security Disability
Submitted by the Bond & Botes Law Offices - Tuesday, November 12, 2013
As we all know, it seems to take the government an eternity to accomplish any task, from filling potholes to passing a budget, and applying for Social Security disability benefits is no exception.
You can pretty much count on the Social Security Administration (SSA) taking about four months to make an initial determination on your application. According to www.ssdfacts.com, in Alabama only about 28% of the applications are approved at the initial level, which is below the national average of about 32%.
Credit Report Disputes - Furnishers of Information Must Investigate!
Submitted by the Bond & Botes Law Offices - Friday, November 1, 2013
The Fair Credit Reporting Act (FCRA) is the federal law with regard to disputing incorrect information on a person’s credit report.
What Types of Social Security Disability Benefits are Available?
Submitted by the Bond & Botes Law Offices - Monday, October 28, 2013
There are two commonly available types of Social Security disability benefits available to individuals: Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI).
Chapter 12 - Family Farmer and Family Fisherman Reorganization
Submitted by the Bond & Botes Law Offices - Wednesday, October 23, 2013
I will be writing a series of blog articles over the next few weeks concerning a specialized chapter under the Bankruptcy Code for farmers and fishermen.
Do I Have to Tell my Bankruptcy Lawyer about My Personal Injury Lawsuit?
Submitted by the Bond & Botes Law Offices - Friday, October 4, 2013
The simple and emphatic answer to this is Yes! At the time that you file your bankruptcy petition, either Chapter 7 or Chapter 13, you must list any pending lawsuits or potential claims that you may have stemming
What is a Chapter 13 Plan?
Submitted by the Bond & Botes Law Offices - Friday, October 4, 2013
The chapter 13 plan is a document prepared by your attorney and filed with the court that outlines how you will repay your debts over the life of your plan. In other words, it is a repayment plan. The chapter 13 plan directs the trustee on how your chapter 13 payments are to be disbursed to the creditors each month and how long you will be in the plan. A chapter 13 plan may look different from one district to another but the essential premise of the document is the same.
What Can I Expect at a Social Security Disability Hearing?
Submitted by the Bond & Botes Law Offices - Monday, September 30, 2013
That, unfortunately, is a very broad question.
Let me start off by saying that the social security disability hearing is not supposed to be an adversarial event, e.g. the courtroom-type action you see on Law & Order or Matlock with objections flying and lots of yelling.