Blogs

Dealing with debt collectors can be stressful and overwhelming, especially when you’re already struggling with financial difficulties. Knowing your rights and understanding your options can empower you to handle these calls effectively and protect yourself from abusive practices.

As interest rates continue to rise, many consumers are feeling the pinch in their wallets. If you’re struggling with mounting debt and considering bankruptcy, understanding how these changes impact your financial situation is crucial.

At the Bond & Botes Law Offices, we understand that considering bankruptcy can be a daunting process, especially when it comes to the fate of your home and mortgage. As a leading consumer bankruptcy law firm serving Alabama and Mississippi, we’re here to help you navigate these complex decisions and protect your most valuable asset—your home.

If you and your family are struggling with overwhelming debt, you’re not alone. Many individuals and couples across Alabama and Mississippi face financial hardships due to various reasons, such as job loss, medical expenses, or unexpected emergencies. In these trying times, understanding your options can make a world of difference.

This year marks the 50th anniversary of a pivotal moment in U.S. financial history—the passage of The Equal Credit Opportunity Act (ECOA). As we reflect on this landmark legislation, it’s crucial to recognize its profound impact, especially on women’s financial independence. Before ECOA, women faced significant hurdles in accessing credit, often requiring a male co-signer regardless of their income or creditworthiness.

Recent data from the United States Courts, published on April 25, 2024, reveals a significant 16 percent increase in bankruptcy filings over the 12-month period ending March 31, 2024. This rise in filings indicates a growing number of Americans are facing financial challenges that require legal intervention.

If you’re considering reaching out to a bankruptcy attorney or pondering over the decision of filing for bankruptcy, you’re likely navigating through a tumultuous financial landscape. The thought of impacting your credit score further may seem daunting, ...

I have had a number of cases where security clearance applicants, prior to them ever getting to me, have completed their SF 86 and have either lied, misstated, fibbed or obfuscated with the truth on their SF 86 answer. The problem with that is that if the government ever denies a clearance based upon issues like these, a security clearance applicant very well may never get a clearance in the future.

Bond, Botes and Woods, P.C. welcomes Merideth Drummond as a shareholder in the firm. Merideth is a 1993 graduate of Smith College with a Bachelor’s Arts degree in Government. She earned her Doctor of Jurisprudence degree from the Mississippi College School of Law in 1998.

The decision to file for bankruptcy is often fraught with anxiety and financial uncertainty. Yet, it can provide a fresh start for those overwhelmed by debt. One of the practical concerns about bankruptcy is the cost involved in filing. Interestingly, your annual tax refund, an often-overlooked asset, can be a strategic resource in this process.