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Bankruptcy Is Your Constitutional Right to a Fresh Start. Do you understand the Bankruptcy Process?

What You Need to Know About the Bankruptcy Means Test Before You File

Apr 16, 2015 | Bankruptcy

If you want to file for either chapter 7 or chapter 13 bankruptcy this means completing the means test, and there are some things that you need to know before you file. The means test has been a bankruptcy requirement for more than a decade, and it is still a source of continuing confusion and …

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Defining Undue Hardship: The First Page of Chapter 13

Apr 9, 2015 | Bankruptcy

Filing Chapter 13 bankruptcy can help consolidate loan debt, but there are caveats. Where student loan debt is concerned, loans can only be discharged or significantly reduced if a person can demonstrate undue hardship. But what exactly is an undue hardship and how can you prove it? What is Undue Hardship? By definition, undue hardship …

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The Different Levels of Social Security Disability Appeals

Mar 2, 2015 | Social Security Disability

If you have been unjustly denied Social Security Disability, it may not be the end of the road. There are several steps you can take to appeal a denial, and an experienced attorney can walk you through the process. In considering an appeal, we believe you should understand what the process looks like. Here is …

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Understanding Chapter 7 Bankruptcy

Feb 6, 2015 | Bankruptcy

While nobody wants to enter into a situation in which they are forced to file for bankruptcy, it can be a liberating option for those stuck in financial woes with no other way out. One form of bankruptcy is known as Chapter 7 and has been helpful for many individuals and families suffering from a …

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The Danger of Not Dealing with Debt

Nov 11, 2014 | Bankruptcy

Most everyone knows that going into debt is a bad thing. In today’s reality, going into debt can cause some serious repercussions. There are dangers that arise from not dealing with debt. Below are listed a few of the consequences of not handling your debt. Bad Credit If you neglect to pay your debts, then …

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Discharging Debt: How Chapter 13 Bankruptcy Works in Opelika

Sep 2, 2014 | Bankruptcy

If a person has accrued an outstanding amount of debt and is struggling to find ways to handle that debt, there are options available to them for discharging debt. Chapter 13 bankruptcy is a proceeding that allows the debtor to reorganize his or her finances under court approval. Chapter 13 bankruptcies, also referred to as …

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Avoiding Debt Consolidation Scams

Aug 18, 2014 | Bankruptcy

Some people rely on debt consolidation loans to fix their debt problems, only to find that this method does not always work. There are companies who advise and make promises about debt consolidation, only to lead unsuspecting innocents into a financial pit. Take the following steps to avoid being scammed: Research debt consolidation companies prior …

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Facts and Statistics on Accidental Injuries

Aug 4, 2014 | Personal Injury, Gary W. Stout

Accidents happen constantly. A plate slips and shatters on the floor causing injury, a runner trips on a sidewalk, or a distracted driver bumps into the car in front of him — these are all accidents that occur every day. Unfortunately, many of these accidents cause injuries, and some of these injuries require legal action. …

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Mobile, AL Debt Consolidation: How Effective is it?

Jul 29, 2014 | Bankruptcy

For some people, debt consolidation can help reduce financial stress because they no longer have to keep track of different debt sources accumulating around them. However, most people fail to realize that the debt still exists. It has simply been moved from one location to another and the debt holder is still liable for repayment. …

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The Myths and Facts of Student Loan Debt

Jun 23, 2014 | Student Loans

There is wide array of false assumptions regarding student loan debt that are circulating across the country. For instance, many people believe it is difficult to obtain financial assistance to attend independent colleges. While it is true that student loan debt accounts for the highest levels of debt in the country, this is in part …

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