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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.”
Should I File for Bankruptcy Before Getting Married?
by David MoyerGetting married marks a joyous milestone, a time filled with anticipation for building a shared future. It’s a significant life decision, representing a partnership in every sense. However, when one or both partners bring substantial debt into the relationship, it can add a layer of complexity and stress to this new chapter. Financial concerns can […]
Debt Collection Tactics You Need to Watch Out for in the Age of AI
by David MoyerFor many Alabamians, the weight of debt can feel overwhelming, especially when the phone rings constantly or relentless letters fill the mailbox. Debt collection has always been a challenging experience, but in today’s digital landscape, the tactics employed by collectors are evolving, making it even more important for consumers to be aware and prepared. The […]
What Is the Impact of Bankruptcy on Professional Licenses and Certifications
by David MoyerFor many professionals in Alabama, the thought of filing for bankruptcy brings a wave of fear that extends beyond financial concerns. A pressing question often arises: “Will filing for bankruptcy cause me to lose my professional license?” Whether you are a nurse, a general contractor, a real estate agent, or an attorney, your license is […]
The Role of Bankruptcy Trustees: Duties and Powers Explained
by David MoyerWhen facing significant debt, the idea of filing for bankruptcy can bring a mix of relief and apprehension. It is a formal legal process with many participants, but none are more central to the administration of your case than the bankruptcy trustee. This individual is not your advocate, nor are they the judge. Instead, they […]
What Debts Cannot Be Discharged in Bankruptcy?
by David MoyerFiling for bankruptcy can be a powerful tool for regaining financial control, offering relief from mounting debts and aggressive collection efforts. However, it’s important to understand that bankruptcy is not a blanket solution for all types of debt. While many unsecured debts—like credit cards and medical bills—can be discharged, others are protected by law and […]
Should I Max Out My Credit Cards Before Filing for Bankruptcy?
by David MoyerWhen financial pressures mount and debt becomes unmanageable, filing for bankruptcy can seem like a viable path toward relief. It’s a legal process designed to give individuals a fresh start. However, a question often arises during this stressful period: Should you use your remaining credit card limits before filing? Perhaps for essentials, maybe for things […]
Is There a Limit to the Amount I Can Discharge through Chapter 7?
by David MoyerLiving with overwhelming debt can be an incredibly stressful experience. The constant pressure from bills, the worry about making ends meet, and the uncertainty about the future can take a heavy toll. For many residents across Alabama, Chapter 7 bankruptcy emerges as a potential lifeline, a legal process designed to provide significant debt relief and […]
Bankruptcy for Seniors: Special Concerns for Retirees Facing Debt
by David MoyerFor many seniors, managing finances during retirement becomes more complex as fixed incomes must stretch to cover daily living expenses, medical bills, and unexpected costs. When debt accumulates beyond manageable levels, bankruptcy might seem like the only option for relief. However, retirees face unique financial realities and legal considerations that make the bankruptcy process different […]
Can You Be Denied Bankruptcy? Mistakes That Lead to Rejection
by David MoyerFiling for bankruptcy can provide much-needed relief from overwhelming debt and help restore financial stability. However, bankruptcy is not automatically granted to every filer. Courts carefully review every bankruptcy petition to ensure that all legal requirements are met, and failure to do so can result in denial or dismissal of your case. Understanding the common […]
Impact of Bankruptcy on Co-Signed Loans & Shared Debts
by David MoyerFiling for bankruptcy is often a way to regain control over overwhelming debt. However, when debts involve co-signers or are shared between multiple parties, the process can become more complex. In Alabama, understanding how bankruptcy affects co-signed loans and shared debts is essential to protect your financial interests and those of anyone connected to your […]