Looking to put a bad credit history behind you? A successful discharge of your debt in a Chapter 7 or Chapter 13 bankruptcy proceeding is the best way to move forward from an unfavorable credit history. A bankruptcy discharge order granted by a Northern or Southern District of Alabama U.S. Bankruptcy Court makes it illegal…Read more
How to Stop a Wage Garnishment in Alabama
I know it probably just felt like a kick in the stomach when you found out about that wage garnishment from your employer. Of course, a wage garnishment never comes at a time when you have a lot of money sitting around. Most people are served with a notice of wage garnishment when they are…Read more
Do I get to keep my car in a Chapter 7 bankruptcy?
The question of whether or not you can keep your car in a Chapter 7 bankruptcy process is a very common one. Unfortunately, as is so often the case with bankruptcy matters, the answer is, “It depends.” Normally, in a Chapter 7 bankruptcy, your goal is to wipe out your unsecured debt. It is not…Read more
How Does Chapter 13 Bankruptcy Work?
The Chapter 13 bankruptcy process is commonly misunderstood. How it actually works and what it actually does is a question many clients ask. Chapter 13 bankruptcy requires repayment of your debt to at least some extent, it is primarily a method of restructuring your debt. A Chapter 13 bankruptcy will allow you to: Modify secured…Read more
What is Mortgage Forbearance under the CARES act?
You could be missing out on mortgage forbearance opportunities under the CARES Act. Between the pandemic and subsequent economic consequences, there are plenty of people struggling with mortgage payments right now. In March of 2020, Congress passed, and President Trump signed the CARES Act into law. Amongst other things, the CARES Act has provisions that…Read more
Why You Should Never Pay Your Mortgage with a Money Order
Lenders earn millions of dollars in late payment fees. They are always eager to claim loan payments were received late and charge “defaulters” hefty fees. Additionally, it is very common that my Chapter 13 bankruptcy clients get into a dispute with their mortgage company over missed payments. On a recent occasion, I had a client…Read more
How to build great credit – no matter your age!
While credit generally improves with age, everybody is different. Some people’s credit history improves steadily after years of faithful payments, while others watch their scores plummet with every medical bill sent to collections or missed rent. Then, there is another type of person: Maybe they never had to think much about their credit score because…Read more
Social Security Disability When You’re 50+
Nearly one in five Americans report having some form of disability. If you find that you are unable to work due to an accident or medical condition and you are older than 50, special rules apply to you. One of the main things that are considered when you apply for Social Security Disability through the…Read more
The Link Between Social Media and Disability Benefits
Getting followed on social media could soon have a new meaning for those looking to apply for Social Security disability benefits. As of Spring 2019, the Social Security Administration (SSA) has started to screen social media accounts when evaluating eligibility to receive Social Security disability. The inspiration comes from critics of the SSA looking to…Read more
Filing for Social Security Disability benefits? Here’s what you can actually expect.
Filing for Social Security Disability can be intimidating for anyone. Fortunately, if you understand what to expect before you even start getting your paperwork together, you can go into the process ready to handle anything that comes your way. It doesn’t help that the whole process remains clouded by misconceptions. In this article, we will…Read more