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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.”
Can Social Security Overpayments Be Discharged in Bankruptcy?
by Padgett & RobertsonSocial Security benefits are a crucial resource for many people, keeping families in their homes and putting food on the table. But the Social Security Administration does make mistakes, and overpayments happen. When you owe a substantial amount in overpayments, you may wonder if that amount can be discharged in bankruptcy or if you will […]
Is It Possible to Stop Asset Repossession During a Bankruptcy Filing?
by Padhett & RobertsonBy the time most people declare bankruptcy, they’ve been in financial trouble for a long time. What’s the tipping point? For many, it’s the fact that one of their major assets is about to be repossessed. Perhaps their vehicle—their only way to get to work and provide for their family—is about to be repossessed by […]
Things You Should Avoid If You’re Considering Bankruptcy
by Padgett & RobertsonYour bills may have been piling up for months now, and the minimum payments on your credit cards may have crept up to the point that you struggle to make them every month. You’ve put off this decision as long as you can, but it’s time to think about bankruptcy. Bankruptcy is a chance at […]
How to Qualify for a Mortgage After Chapter 7 Bankruptcy
by Padgett & RobertsonWhile bankruptcy can temporarily limit your use of credit and put a pause on your financial goals, it isn’t the be-all, end-all of your financial future. In fact, you may find yourself able to secure a mortgage within just a few years of declaring bankruptcy. However, you will need to do some extra legwork to […]
Why Car Insurance Is Important During Chapter 13 Bankruptcy
by Padgett & RobertsonWhen you choose Chapter 13 bankruptcy, your budget may be tight. Rather than having your debts discharged, as you would in a Chapter 7 bankruptcy, you commit to a three-to-five-year payment plan that allows you to pay back some or all of your debts on a structured schedule. This means setting aside a chunk of […]
Getting Rid of Medical Bills Through Bankruptcy
by Padgett & RobertsonMedical debt is a massive problem in the United States. Even with medical insurance, someone’s savings and income can be wiped out with one bad accident or illness. Between high deductible plans, insurance companies denying payment for no apparent reason, and bloated billing practices, it’s not hard for one emergency to cost tens or hundreds […]
Can Filing for Bankruptcy in Alabama Help Me Get My Driver’s License Back?
by Padgett & RobertsonFinancial struggles have a domino effect on every other area of your life. When you start falling behind on bills, the mental stress makes it harder to take care of other responsibilities. As more and more of your income gets absorbed by debt, you may find it harder to feed yourself and get to and […]
Will Bankruptcy Protect Me from Lawsuit Judgments?
by Padgett & RobertsonBankruptcy is a viable solution for people in a number of bad financial situations. Some are still keeping up with payments, but at the expense of food, gas, and other necessary expenses. Others have started to get calls from collection agencies. Still others are far beyond that stage and have lawsuit judgments against them. If […]
Still Getting Collection Calls After Filing for Bankruptcy
by Padgett & RobertsonYou’ve finally decided to file for bankruptcy after months of creditor calls and late nights of weighing your options. This should mean an end to the calls and a little bit of peace, right? While filing bankruptcy should give you a break from creditors’ calls, that isn’t always the case. If you’re ready to move […]
How the HAVEN Act Could Help Veterans Who Are Filing for Bankruptcy
by Padgett & RobertsonBankruptcy offers a way out of unbearable debt, but the process of actually getting your debt discharged involves clearing lots of hurdles and jumping through lots of hoops. Unfortunately, the process is even longer and more complicated for veterans. The HAVEN Act changes this and gives veterans better access to the benefits of bankruptcy. Considering […]