chandy's blog

It is estimated that 500,000 insurance claims on damaged automobiles will be filed as a result of Hurricane Harvey alone.  Given that Hurricane Irma engulfed the entire state of Florida, the number of hurricane damaged vehicles there can be expected to be immense as well.  According to the Chicago Tribune,

Last month I blogged about issue of debt collection against our veterans and the issue of the treatment of our veterans continues to weigh on my mind.  It would not be hard for anyone reading my blogs to determine I am a liberal.  In fact, a description of me as a Yellow Dog Democrat will never offend me.  And as a liberal, I generally believe war s

As a consumer bankruptcy attorney I frequently find myself advising clients who need bankruptcy relief because they have taken on the burden of not only their own debt but also debt incurred for their adult children.  Of all the folks I try to help, this is oftentimes the most heartbreaking client.  I know the client has found themselve

We have just finished honoring our military servicemen and women on Memorial Day, the holiday where we pay homage to our veterans who have died serving this country.   But in addition to such celebrations, we can do more by insisting that our veterans be treated fairly by the department in charge of their care.  The scandal involving the hospitals and medical clinic

Many people considering bankruptcy relief are aware or soon learn that student loan debt is non-dischargeable in bankruptcy.  This is true for both federally guaranteed student loan and student loans issued by private lenders and has been true for many years.  Student loan debt has exceeded credit card debt in this country for several years now.  Currently it sits at approximately

With every passing year a person’s credit score becomes more central in basic decisions people face on a daily basis.  Leases for housing, ability to obtain automobile or homeowner’s insurance and, yes, even employment are some of the areas that are now affected by your credit score.  Your credit score is ultimately determined by what is reported in your credit file

I have often blogged in the past about a specialized chapter under the Bankruptcy Code for farmers and fishermen, Chapter 12 for Family Farmers and Fishermen.  Farmers are near and dear to my heart because they have been the backbone of this country since its inception.  However, that status is now becoming endangered by the same folks who brought us the Great Re

I previously wrote a series of blogs addressing issues with student loan debt.  As previously mentioned, student loan debt has now surpassed a trillion dollars in this country.  Now the Consumer Financial Protection Bureau has filed a lawsuit against one of the nation’s largest student loan servicers, Navient.  In the suit

We seem to have lost our fair share of our sisters and brothers of the bar this year.  Perhaps it is just being older that makes me feel the loss as keenly as I do.  But on the first day of this new year, we lost Tony McClain, General Counsel for the Alabama State Bar and my friend.  This loss has left me feeling hollow despite the fact I know my friend is with his Lord.

Teresa Giudice is again in the news – this time for suing her bankruptcy attorney for malpractice.  In June, 2015, the Real Housewives star sued her former bankruptcy attorney alleging legal malpractice, breach of contract and breach of fiduciary duty.