Blogs

Strategies for Eliminating Debt

Attorney Ed WoodsWhen it comes to eliminating debt, there are really only three broad strategies from which to choose. If you are struggling with debt problems, you should consider the “big picture” as you try to intelligently assess your options.

Common Issues in Chapter 13 Bankruptcy

Florence Bankruptcy AttorneyA Chapter 13 Bankruptcy case, also known as a debt-consolidation bankruptcy, is a lengthy process.

Married Couples: Don't Keep Your Finances a Secret!

birmingham bankruptcy lawyer robert reeseIn several recent consultations with prospective clients and current clients, I have noticed a recurring theme; too many married couples keep their finances separate. Neither spouse knows how much income the other is making or the amount of debt the other owes and sometimes a combination of the two.

Is Earned Income Tax Credit Protected in Chapter 7 Bankruptcy

Montgomery Attorney Mary PoolIn Alabama, the answer is YES.  If you are receiving a tax refund that includes an earned income tax credit (EITC), then that portion of your refund is protected pursuant to Alabama Code § 38-4-8 (1975).  In 2005, the Eleventh Circuit of the United States Court of Appeals answered this question directly in the case of In re James, 406 F.3d 1340 (11th Cir 2005), by finding that Alabama Code § 38-4-8 protects

Don’t Let Your Financial Stress Lead to Health Problems

Huntsville Attorney Amy TannerAccording to recently released results of a survey conducted by the American Psychological Association (APA), nearly three fourths of Americans are experiencing extreme financial stress. The majority of these are parents, younger generations and lower-income households.

Should You Have Bank Accounts at the Bank You Owe Money To?

Florence Attorney B. Grant McNuttMost people have at least one bank they are loyal to and usually you will have multiple types of accounts with that bank.  I am sure that whatever bank you currently do business with offers you incentives and seemingly great deals to open other types of accounts with them.  The new account could be a credit card, car loan, a mortgage or home equity loan, or home equity line of credit.

What is a Preferential Transfer?

decatur Attorney Mary Conner PoolIf you paid money to one of your creditors before you filed bankruptcy, this might have been what is called a “preferential transfer.”  If the payment meets the definition of a preferential transfer that is in the bankruptcy code, the Trustee will try to recover that money from the creditor to benefit the bankruptcy estate.

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Bond & Botes Law Offices

At Bond & Botes, we now offer full service bankruptcy consultation and filing over the phone or by video from the comfort and safety of your home or office. Please call 1-877-581-3396 or click here to setup your free phone or video consultation.

The lawyers at the Bond & Botes affiliated offices serve clients at offices in Anniston, Birmingham, Mobile, Montgomery, Opelika, Decatur, Huntsville, Florence, Haleyville and Gadsden, Alabama; Vicksburg, Hattiesburg and Jackson, Mississippi. Read our disclaimer here. You can view our Privacy Policy here.

Alabama Offices

Birmingham

2107 5th Avenue North
Age-Herald Building
Birmingham, Alabama 35203
Phone: (205) 802-2200


Shelby County Location
15 Southlake Lane, Ste 140
Birmingham, AL 35244
Phone: (205) 802-2200


Florence Location
121 S. Court Street
Florence, AL 35630
Phone: (256) 760-1010


Huntsville Location
225 Pratt Avenue NE
Huntsville, AL 35801
Phone: (256) 539-9899


Montgomery Location
311 Catoma Street
Montgomery, AL 36104
Phone: (334) 264-3363


Decatur Location
605 Bank Street NE
Decatur, AL 35601
Phone: (256) 355-2447


Haleyville Location
914 19th St.
Haleyville, AL 35565
Phone: (256) 760-1010


Gadsden Location
430-B Chestnut Street
Gadsden, AL 35901
Phone: (256) 485-0195


Opelika Location
216 South 8th Street
Opelika 36801
Phone: (334) 264-3363


Anniston Location
1302 Noble St #2C
Anniston, AL 36201
Phone: (256) 485-0195


Cullman Location
200 Second Avenue SW
Cullman, AL 35055
Phone: (256) 739-9866


Mississippi Offices

Jackson Location
120 Southpointe Dr., A
Byram, MS 39272
Phone: (601) 353-5000


Hattiesburg Location
607 Corinne St, Ste B8
Hattiesburg, MS 39401
Phone: (601) 353-5000


Vicksburg Location
1212 Farmer Street
Vicksburg, MS 39180
Phone: (601) 353-5000

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