chandy's blog

Nothing inspires fear in my clients like the threat of having their wages garnished. But I find that garnishment, or the threat thereof, is oftentimes misunderstood. Here’s what I mean. If you have found yourself behind in payments to your creditors, in attempting to collect that debt your creditor may have told you they plan to garnish your wages.

Friends, our bar lost a pillar of our bankruptcy community over the past weekend.  On Sunday, October 9, 2016, Curtis “Cleve” Reding, Jr. passed away after a short battle with cancer.  Mr. Reding served as the Chapter 13 Standing Trustee for the Middle District of Alabama for over thirty years.  As consumer bankruptcy attorneys, Mr.

On Friday, September 9, 2016, my law partner, Ron Sykstus, blogged about a shocking announcement that Wells Fargo Bank had received the largest fine ever imposed by the Consumer Financial Protection Bureau.  

Months back I blogged about payday loans and whether filing for bankruptcy relief can help a person break out of the debt cycle payday lending creates.  Bankruptcy can absolutely provide an avenue to escape the debt trap of payday lending.  But as a community are we willing to allow bankrupt

Over the years I have routinely blogged about celebrity bankruptcies in order to highlight the cautionary tale each case presents.  Let’s catch up with several of those we have followed in past years and see where they are now.

F. Lee Bailey filed for Chapter 7 bankruptcy relief on June 24, 2016.

Have you ever heard of a “debt buyer?”  Chances are you have not.  A debt buyer is a particularly insidious type of debt collector.  Debt buyers purchase charged off debt from original creditors such as credit card companies, lenders on repossessed automobiles or payday loan lenders.  The debt buyer purchases charged off accounts for pennies on the dollar and then p

I have previously reported extensively on Teresa Guidice of the Real Housewives of New Jersey and her stint in federal prison for bankruptcy fraud.  There’s a another housewife in the n

Chesapeake Energy is like a real life