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Alabama State Bar Association Regulations require the following: “No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.” 11 U.S.C. 528 of the U.S. Bankruptcy Code requires the following: “We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”
Bankruptcy Options for Cannabis Industry Participants: Navigating Federal and State Law Conflicts
by David MoyerThe cannabis industry presents one of the most unusual legal situations in American business. While more than half of U.S. states have legalized marijuana in some form, federal law continues to classify it as a Schedule I controlled substance—placing it in the same category as heroin and LSD. This conflict between state and federal law […]
Bankruptcy Fraud in Alabama: Common Pitfalls to Avoid During Your Case
by David MoyerFiling for bankruptcy is supposed to be your pathway to financial relief. You complete the paperwork, disclose your assets and debts, and trust that the legal process will give you the fresh start you need. But what happens when an honest mistake—or a moment of poor judgment—crosses the line into something far more serious? The […]
The Psychological Impact of Filing for Bankruptcy: Coping Mechanisms and Support Resources
by David MoyerThe weight of unmanageable debt is rarely just a number on a spreadsheet. It is a physical presence in your home. It is the tightening in your chest when the phone rings, the dread that accompanies a walk to the mailbox, and the sleepless hours spent staring at the ceiling wondering how to keep the […]
Exemptions in Alabama Bankruptcy: Protecting Your Assets
by David MoyerThe fear that keeps most people awake at night when considering bankruptcy is not the paperwork or the court dates. It is the terrifying thought of losing the things that make life livable. You worry about the house where your children sleep, the car that gets you to work, and the retirement savings you spent […]
Bankruptcy Discharge Violations: How to Enforce Your Fresh Start Rights
by David MoyerThe moment the bankruptcy court issues your discharge order is a moment of profound relief. You have navigated a complex legal process, and the court has granted you a financial fresh start, wiping away the personal liability for your qualifying debts. The harassing phone calls stop, the threatening letters cease, and you can finally begin […]
Bankruptcy’s Effect on Retirement Accounts: What You Can Keep Safe
by David MoyerWatching a lifetime of hard work and savings feel threatened by overwhelming debt is a deeply stressful experience. For many Alabamians, the single biggest source of fear when considering bankruptcy is the nest egg they so carefully built. You have spent decades contributing to a 401(k), an IRA, or a pension, all with the promise […]
Cryptocurrency and Digital Assets in Bankruptcy: Protection Strategies and Disclosure Requirements
by David MoyerThe financial landscape has changed dramatically over the last decade. For many people in Alabama, investments that once seemed like a path to prosperity—Bitcoin, Ethereum, and a host of other digital assets—are now a source of significant financial distress. As the cryptocurrency market experiences waves of volatility, individuals who invested heavily now find themselves facing […]
The Intersection of Bankruptcy and Tax Obligations: What Debtors Should Know
by David MoyerThe pressure of significant debt can be a heavy burden, but when that debt involves the Internal Revenue Service (IRS) or the Alabama Department of Revenue, the stress can feel insurmountable. The aggressive collection methods employed by tax authorities—wage garnishments, bank levies, and property liens—can disrupt your life and leave you feeling powerless. Many people […]
Bankruptcy’s Effect on Professional Licenses and Employment Prospects
by David MoyerFor professionals in Alabama, the decision to file for bankruptcy is fraught with a unique type of anxiety. Beyond the universal stress of overwhelming debt, there is a pressing fear that seeking this powerful legal protection could jeopardize a career that took years of education, training, and dedication to build. Physicians, attorneys, nurses, accountants, and […]
Automatic Stay Violations: Consumer Rights and Remedies
by David MoyerThe decision to file for bankruptcy is often reached after months or even years of mounting financial pressure. The moment your case is filed is supposed to bring a sense of profound relief—a legal shield, known as the automatic stay, descends to protect you from the constant barrage of creditor demands. But what happens when […]