Blogs

On May 27, 2015, the Board of Governors of the Federal Reserve released a survey regarding the financial health of the U.S. Economy.  The report, titled the “Report on the Economic Well-Being of U.S. Households in 2014” focused on the current state of the U.S. Economy from the perspective of its citizenry.  The report is full of very useful and insightful information concerning the financial health of its citizens.

You’ve probably heard someone say that filing a bankruptcy case is the worst thing you can do. This conclusion is almost always followed by a horror story about it. It usually goes something like this. This person starts telling you about their “cousin” who filed a bankruptcy case.

Many people hear the word Bankruptcy and immediately have a picture in their minds of what that means.  In fact, there are several different kinds of bankruptcy, called chapters.

As a former banker and employee of several loan companies, I am very familiar with the lending practice of lenders sending valid checks in the mail offering “quick cash” to people who qualify.  Once the consumer cashes the check, a valid loan is made and all the terms outlined on the letter or check that was sent by mail apply.  This loan is an

I am pleased  to announce that my partner, Ronald C. Sykstus, has been recognized again as an Alabama Super Lawyer. This is the fifth time that Ron has been recognized by Alabama Super Lawyers in the practice areas of Consumer Bankruptcy, Consumer Law and Military/Veterans Law

As Bankruptcy attorney’s at Bond & Botes, we are often asked by potential clients or new clients what we can actually do for them.  I thought I’d put a short list together as follows:

Periodically, I witness hearings or meetings of creditors for cases that are filed Pro Se, meaning they were filed by an individual without an attorney. In the majority of these cases, it is clear that the case was filed incorrectly and that it will probably not be successful.

After a debtor completes a Chapter 13 plan and makes all payments to the bankruptcy Trustee, he will receive a

A powerful statute, the SCRA is in place to assist our citizens who put themselves in harms way for our freedom.  The SCRA can be found at 50 U.S.C. App.