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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.”
Does Alabama Allow Married Couples to Double Their Bankruptcy Exemptions?
by David MoyerThe burden of overwhelming debt can strain even the strongest marriages. Credit card bills pile up, medical debts mount, and a sudden change in employment often disrupts household income. Because of this, finding a path toward financial stability becomes a shared priority. For married couples living across South Alabama, considering bankruptcy often brings up concerns […]
Remembering Herman D. Padgett, 1952–2026
by David MoyerIt is with heavy hearts that we share the passing of our founder, Herman D. Padgett, on Friday, July 3, 2026. For nearly five decades, Herman was the heart of this firm; a steady, reassuring presence for thousands of families across Mobile, Baldwin County, and all of South Alabama during the most difficult financial chapters […]
Alabama Homestead Exemption in Bankruptcy: How Much of Your Home Is Protected?
by David MoyerThe thought of checking your mailbox and finding a foreclosure notice is a heavy burden to carry. For hardworking individuals across South Alabama facing unexpected financial distress, the fear of losing the family home is entirely valid. Whether a sudden job loss at a local employer like Austal or an unexpected medical emergency at Mobile […]
Alabama Wildcard Exemption: How to Use It to Protect More Property in Bankruptcy
by David MoyerFalling behind on bills creates a constant sense of dread. The anxiety of answering phone calls from debt collectors is exhausting, but many people hold off on filing for bankruptcy because they fear losing everything they own. I have sat across from hardworking folks in Birmingham and Huntsville who are terrified the bankruptcy trustee will […]
How Do I Modify a Chapter 13 Repayment Plan in Alabama?
by David MoyerThe anxiety of checking your bank account when funds are running dangerously low is a heavy burden to carry, especially when you are already working hard to complete a court-approved bankruptcy plan. For hardworking individuals across South Alabama facing unexpected financial distress, the fear that a sudden job loss or medical emergency will derail their […]
Chapter 7 Bankruptcy and Your Bank Account: What Alabama Filers Need to Know
by David MoyerThe anxiety of checking a banking app when funds are running dangerously low is a heavy burden to carry. When collection agencies are calling incessantly, and you are struggling to keep up with basic living expenses, the fear that a creditor might suddenly drain your remaining cash is entirely valid. For hardworking individuals across South […]
Divorce Debt & Bankruptcy in Alabama: Who Pays What?
by David MoyerThe emotional toll of ending a marriage is often compounded by the immediate and overwhelming reality of untangling a shared financial life. For many families in South Alabama, dividing assets like the family home or retirement accounts is only half the battle. The far more difficult challenge is figuring out how to divide the marital […]
Homeowners Association and Condo Association Dues in Bankruptcy: What’s Dischargeable and What’s Not?
by David MoyerThe financial strain of maintaining a home in South Alabama can quickly overwhelm families facing unexpected economic shifts. Whether you live in a sprawling subdivision in West Mobile, a waterfront condominium complex along the Eastern Shore, or a planned community in Baldwin County, Homeowners Association (HOA) and Condo Owners Association (COA) dues are a recurring […]
The Treatment of Retirement Plan Loans in Bankruptcy: Repayment Obligations and Implications
by David MoyerBorrowing from your future to pay for your present is a heavy, emotionally taxing decision. Many hardworking people across South Alabama take out loans against their retirement accounts, whether it is a traditional pension, a teacher’s retirement fund, or a corporate retirement plan, to keep their heads above water during a financial crisis. Unfortunately, replacing […]
Healthcare Professionals and Bankruptcy: License Implications and Practice Continuity
by David MoyerThe intersection of professional healthcare and financial instability creates a unique set of anxieties that go beyond typical debt concerns. For a physician in Mobile, a nurse in Baldwin County, or a pharmacist in South Alabama, the decision to seek debt relief isn’t just about personal finances; it is about the years of education, the […]