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handing over cash for house keys in front of house and foreclosure sign

Understanding the Alabama Foreclosure Process and How Bankruptcy Can Help

Jul 20, 2020 | Bankruptcy, David G. Poston

Are you delinquent on your home mortgage payments? Do you fear your lender may be getting ready to foreclose on your home? Because the foreclosure process, especially in Alabama, moves quickly, you should understand the process and your rights. When Can the Foreclosure Process Start in Alabama? According to federal laws, a lender cannot start …

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Tired depressed bored african businessman frustrated by debt

5 Ways to Handle Debt

Jul 6, 2020 | Bankruptcy, David G. Poston

Being in debt can cause enormous stress. If you struggle with debt, you may wonder about your best options for managing debt. Before exploring the options, you should first assess your financial situation in order to decide which may work best for you. You should consider the following: The types of debt you owe; Your …

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Elderly couple looking at disability list and taking notes

What is the Social Security Disability Impairments List?

May 18, 2020 | Bankruptcy, Gary W. Stout

If you filed or are looking into filing for Social Security disability benefits, you have probably come across the term “Impairments List” often. This is because the Impairments List plays a very important role in the Social Security Administration (SSA) determining your eligibility for benefits. This post will help explain what the Social Security Disability …

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Senior couple in Alabama walking their bike

Receiving Social Security Disability for COPD

May 4, 2020 | Bankruptcy, David G. Poston

COPD affects nearly 30 million Americans, according to the COPD Foundation. The Foundation says over half of those affected do not know COPD is the cause of their health issues. Many of them may believe their symptoms come from aging, but COPD is the cause. COPD can be a debilitating and costly disease. It robs …

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Receiving Social Security Disability For Depression

Receiving Social Security Disability For Depression

Jan 7, 2020 | Bankruptcy, David G. Poston

What is Depression? Many people experience feelings of sadness and hopelessness during emotionally painful or stressful situations (i.e. death of a loved one or divorce). These feelings are typically situational and short-lived. But, some people experience long-term clinical depression. Clinical depression is a mental disorder which affects a person’s moods. It can cause a sufferer …

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Bankruptcy May Remove a Judgment Lien from Your Property

Can You Go to Jail for Unpaid Bills?

Nov 15, 2019 | Bankruptcy, David G. Poston

The answer to this question is technically no. You cannot go to jail for unpaid bills. But, every rule has exceptions. Let us explain. America’s Founding Fathers found the English system of imprisoning those who could not pay their debts cruel and unusual punishment. Thus, within the first few years of the founding of the …

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Stop Debt Collector Harassment. Know Their Practices and Your Rights.

Stop Debt Collector Harassment. Know Their Practices and Your Rights.

Oct 21, 2019 | Bankruptcy, David G. Poston

Dealing with debt collectors is one of the most difficult aspects of having delinquent debt. Many of the debt collectors use harassing tactics in an attempt to force immediate debt payment even if you cannot afford such payment. Debt collectors can make a bad situation even more stressful. You find yourself wanting to do whatever …

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Receiving Social Security Disability for Sickle Cell Disease

Why You Need The Help of an Experienced Lawyer to File Bankruptcy

Sep 25, 2019 | Bankruptcy, David G. Poston

Are you thinking about filing bankruptcy? Do you need to hire an attorney to help you file? Bankruptcy law does not require a person have an attorney assist them in filing for bankruptcy. This means that you could choose not to hire a bankruptcy attorney to help you file for bankruptcy. But, bankruptcy is a …

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managing credit card debt that is growing

What to Do about Your Growing Credit Card Debt

Aug 15, 2019 | Bankruptcy

Credit cards are useful and convenient. But, it is all too easy to amass credit card debt that overwhelms your financial situation. If you are burdened by a growing credit card debt, there are actions you can take now that can help you tackle the problem. Tips for a Credit Card Debt Talk to Your …

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Checking Your Credit Report after Bankruptcy

Checking Your Credit Report after Bankruptcy

Jul 5, 2019 | Bankruptcy

Have you filed bankruptcy and have received or are about to receive a discharge of your debts? This is great news because it means you are one step closer to your financial fresh start. But, there is something that may interfere with your fresh start. Incorrect Information On Your Credit Report After a debt is …

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