Blogs

In celebrity news, it has recently been reported that pop star, Aaron Carter has filed for Chapter 7 Bankruptcy in the middle district of Florida.  Apparently, the pop star life has not gone so well for this 25 year old singer. As part of Carter’s Chapter 7 bankruptcy, he was required to list all of his assets claiming they total just $8232.16.

Thanksgiving Day is a national holiday celebrated as a day of giving thanks for the many good things that we have in our lives.  As a Christian, I call these good things blessings.  Although it may sound strange to some, I am thankful to be a consumer bankruptcy attorney.  Many of my friends and family members think that my work must be sad as I deal with people whom

A frequent topic of discussion in the initial consultation is the difference between secured and unsecured debt. While the difference is fairly easy to understand, the way in which they are treated can be complex.

On September 25, 2013, the Federal Trade Commission (FTC) announced that it had settled with a California-based debt collector for $1 million with regard to this particular debt collector using text messages in an attempt to collect debts in an unlawful manner.

Starting in 2007, America experienced a major housing crisis due to people losing their jobs and home prices declining.  Alabama was one of 18 states who were the hardest hit by the housing crises.  To assist homeowners in these 18 states, the U.S.

The Federal Rules Committee has proposed a National Chapter 13 Plan at Rule 3015(c) of the Bankruptcy Rules that, if approved, would go into effect on December 1, 2015.   The national plan is intended to standardize consumer cases and make it easier for pro se debtors as it comes with an instruction booklet.  The national plan will also make it easier for large creditor firms to quickly look over plans as it standardiz

 
As we all know, it seems to take the government an eternity to accomplish any task, from filling potholes to passing a budget, and applying for Social Security disability benefits is no exception.

You can pretty much count on the Social Security Administration (SSA)  taking about four months to make an initial determination on your application.  According to www.ssdfacts.com, in Alabama only about 28% of the applications are approved at the initial level, which is below the national average of about 32%.

The Fair Credit Reporting Act (FCRA) is the federal law with regard to disputing incorrect information on a person’s credit report. Please see my previous blogs on this topic and how to dispute information.