Blogs

In our business as bankruptcy attorneys, we get the pleasure of helping adults get out of debt.  At our firm, we also look for ways that we can help our community and ways to mentor children.

As with many questions that arise when considering filing a bankruptcy case, the answer to this question will depend on the specific facts of your case.  There is commonly no trouble with keeping your existing bank accounts when you file a bankruptcy case, but in some instances, you may need to plan ahead before filing.

In 2014, Congress passed what is known as the Achieving a Better Life Experience (ABLE) Act.

Many people have no idea what their actual income and expenses are. A good budget can help you figure it out. Budgeting is especially important if you are trying to get rid of debt, trying to save for your family’s future, or just to make sure you are spending your hard earned money wisely. It will also make you feel much more secure to know exactly where your money is going.

Throughout the 1970s, the average age of retirement was just under 65. Today, one out of every five Americans over the age of 65 are still working. Even more alarming is the fact that the individuals who have already retired are the ones hurting the most.

Hurricane Michael brought its punishing winds and storm surges before drenching the Panhandle of Florida and driving its way through Alabama and Georgia last week. Members of my own family were affected in Houston County and were without power for days. Even one of our own former Bond & Botes Law Offices family members, Sara is in the heart of the disaster in Panama City dealing with the devastating damage to her hometown.

The Social Security Administration (SSA) recently announced a Cost-of-Living Adjustment (COLA) for beneficiaries to be applied in the upcoming year.  According to the agency, an adjustment of some 2.8 percent will be forthcoming for those receiving monthly monetary benefits in 2019.

Millions of Americans have revolving credit card debt. The rate of interest on credit card debt is usually very high in relation to other types of debt. These rates can vary. Many credit card rates are affected by the Federal Reserve’s benchmark rate.

Is it just me or does it seem like your cell phone is blowing up? Ok, I know it’s not just me! There is something you can do about this persistent and annoying harassment under the Telephone Consumer Protection Act (TCPA).

In my line of work, I see people frequently who are under an extreme amount of financial stress.  These people handle the stress in one of two ways, there are those who could care less if collectors are calling but just want to get their finances under control and then there are others who are scared and stressed that they have collectors calling because they don’t have the income to pay the debts.  It is how one views the stress that determines whether that