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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.”
How Does Bankruptcy Affect Your Credit Score in the Long Run?
by Padgett & RobertsonWhat keeps someone in massive debt from filing for bankruptcy? In many cases, it’s a fear of damaging their credit score. Your credit score is the key to securing new lines of credit, enjoying lower interest rates on the debt you do carry, and otherwise making your financial status more secure. However, it doesn’t need […]
How Long Does a Chapter 7 Bankruptcy Take to Complete?
by Padgett & RobertsonWhether you’ve decided to move forward with Chapter 7 bankruptcy or you are still weighing your options, we know that you have questions. Many people wonder just how long a Chapter 7 bankruptcy will take—after struggling under the weight of unbearable debt for years, many of our clients just want to be done as quickly […]
When Can I Borrow Money Again After a Bankruptcy?
by Padgett & RobertsonYour debt is discharged, and it feels like a thousand-pound weight is lifted off of your shoulders. Still, you know that building your credit depends on responsibly using credit. Many people assume that getting credit is impossible after bankruptcy, leaving them wondering how they are supposed to ever rebuild their credit score. Fortunately, this is […]
Tax Season and Bankruptcy
by Padgett & RobertsonTax season is just around the corner. Like millions of other Americans, you are likely gathering your W2s, 1099s, and other important tax documents as you get ready to file. If you’re in a substantial amount of debt, this time of year may give you mixed feelings—it’s hard to get a large chunk of money, […]
What is a Bankruptcy Discharge?
by Padgett & RobertsonWhen you decide to file bankruptcy, you’ll hear the term “discharge” used a lot. What does that mean, and how is it different from a denial or dismissal? Learn more about this important term and how it relates to your bankruptcy case. If you’re still looking for the right attorney to handle your bankruptcy case, […]
How Will Bankruptcy Affect My Rental Agreement?
by Padgett & RobertsonBankruptcy – whether chapter 7 or chapter 13 – can have a ripple effect on different areas of your life. If you’re a renter, you’re likely wondering whether or not bankruptcy will affect your current lease, keep you from re-signing a lease at the end of your current term, or prevent you from finding a […]
Closing an LLC After Bankruptcy: What You Need to Know
by Padgett & RobertsonYou took a chance and started a new business venture. Even though it didn’t turn out as you’d hoped, it’s still an accomplishment. But once you’ve filed for bankruptcy and your debts have been discharged, you’re not quite done yet. You’ll need to close your LLC to avoid tax issues, dissolve it as an entity, […]
Ways to Protect Yourself During a Bankruptcy
by Padgett & RobertsonOnce you’ve made the decision to file for bankruptcy, it can feel like a huge weight off of your shoulders. The debt that has defined your life for years will finally be behind you if you can make it through this process. Even as you work through bankruptcy, though, there are mistakes that can set […]
Helpful Tips for Paying Off Credit Card Debt in the New Year
by Padgett & RobertsonAs you start adjusting to ending your dated signatures with the year 2023, it’s important to set aside some time to think about your goals for this new year. If you’re like millions of other Americans, you’re ready to tackle your debt and see a $0 balance looking up at you month after month. There […]
Understanding the Alternatives to Bankruptcy
by Padgett & RobertsonIf debt has taken control of your life and lives rent-free in your mind, you’ve likely considered bankruptcy more than once. However, if you’re worried about the effects on your credit, you might be interested in checking out other options first. While you try out other ways to manage your debt, you may find it […]