Blogs

According to a recent study done by Auburn University as reported by AL.com, Alabama ranks in the top five states in the country to have the most payday lenders per c

This may sound like a funny question but after over twenty five (25) years of counseling and representing people with money problems, I have observed that a great many of them follow the same emotional patterns while going through the bankruptcy process.

One of the fundamental concepts in bankruptcy law is the bankruptcy estate.  When a person files for bankruptcy, the “bankruptcy estate” is created.  All of the debtor’s assets and interests in property are property of this estate.

Yahoo! Finance recently published a good article providing six tips for homebuyers to improve their credit reports.  This is a good article for everyone to read as it relates to improving credit reports and, as a result,  credit scores.

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 those on our shopping list year-round.

When you reaffirm a debt, you are signing a contractual agreement to not discharge a debt.  That agreement is also signed by the creditor and usually your bankruptcy attorney.  The agreement is then filed with the Bankruptcy Court.  The filed reaffirmation agreement keeps that particular debt from being di

After over twenty-three years of helping individuals and families resolve their financial problems, I’m still amazed by how often I get this question. The answer depends on what is meant by “debts”. Let me explain.

Fines and Criminal Debts

My wife and I have the guilty pleasure of watching the reality TV series, Christley Knows Best. For readers unfamiliar with the series, the show offers an inside look at the antics of the millionaire Christley family and the family’s flamboyant father, Todd Christley.