GDonaldson's blog

Our oldest daughter turned 16 this year and as you probably know, insurance costs increase significantly when a teenager is behind the wheel.  While she is a great driver (no tickets-- yet!), the lead foot can get us all!  What are your options if you get a speeding ticket?  In Montgomery County, if you are issued a ticket it will have a court date listed on the ticket.  If you attend the hearing in Mu

A New Year usually brings a New Year’s resolution.  Is one of your resolutions getting your finances in order?  Are creditors calling you daily about late payments or overdue accounts?  Do you struggle at night getting a good nig

This is a daily question for our staff and I can certainly understand why you would want to know!  However, we cannot quote a fee unless we know more from you. When the Bankruptcy Code changed in 2005, it made changes that determine if one is able to file Chapter 7.

Having a wreck is terrible….having a wreck while in Chapter 13 is even more horrible!

This time of year we receive numerous calls from clients about their inability to make their Chapter 13 payment due to “unexpected bills”.  The unexpected bills usually turns out to be shopping for Christmas!  Christmas comes every year on December 25th so it is very important to budget for t

For some Alabamians, the American dream of owning a home has become a nightmare. One in sixty Alabama homeowners is projected to experience foreclosure on their home as a result of a high-cost loan. In Alabama, foreclosure proceedings can be concluded in as few as 21 days.

I am often asked this question by clients and the bottom line is this:  You do not inherit debt under Alabama law.  If you co-signed on a loan with them, then you would be liable for the remainder of that loan.  But if they ran up $50,000 on a credit card debt in their name only before they died, then the credit card company just won’t be paid.  You may have to provide a copy of the de