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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.”
Which Types of Tax Debts Are Dischargeable in a Chapter 7 Bankruptcy?
by Padgett & RobertsonIf you’ve looked into bankruptcy as a way to get control of your debt, you’ve likely heard that tax debts cannot be discharged. For some people, this is a dealbreaker—if tax debt makes up the majority of your outstanding debt, you might believe that bankruptcy isn’t even worth it for you. However, it’s untrue that […]
What Happens to My Intellectual Property and Royalties in a Bankruptcy?
by Padgett & RobertsonWhen you find yourself with overwhelming amounts of debt, it can seem like there is no way out. Bankruptcy is a viable option for many people, offering the chance for a fresh start. However, the consequences of a bankruptcy can affect many areas of your life. Your credit will take a hit that’s likely to […]
Making Getting Out of Debt a New Year’s Resolution
by Padgett & RobertsonYou wake up every day dreading the collection calls, worrying about what bills will arrive in the mail, and wondering if you have enough credit left on your last credit card to buy groceries. If this is how you have been living, why not make getting out of debt your New Year’s resolution? There are […]
Saving Your Home from Foreclosure During Bankruptcy
by Padgett & RobertsonFor many people who are struggling to make ends meet, foreclosure becomes a serious risk. If you get too far behind on your mortgage payments, the bank may elect to foreclose on your home. If you hope to avoid foreclosure and save your home, then declaring bankruptcy may be a good option for you and […]
How Does Filing for Bankruptcy Affect My Inheritance?
by Padgett & RobertsonWhen you learn that you are being left an inheritance, you may be looking forward to the financial freedom that it may bring. Unfortunately, if you have previously declared bankruptcy or are in the middle of a bankruptcy declaration, then you may be concerned with how your inheritance may be affected. If you hope to […]
Non-Dischargeable Debts in Alabama: What Debts Don’t Go Away with Bankruptcy?
by Padgett & RobertsonWhen you are burdened by a significant amount of debt, you may be considering your legal options. Bankruptcy may seem like an intimidating prospect. But bankruptcy declarations have a far worse reputation than they need to. Declaring bankruptcy could be a great way for you to regain control of your life and your financial future. […]
Bankruptcy Options for the Self Employed
by Padgett & RobertsonBeing self-employed comes with its own set of financial struggles. But when your struggles become so great that you are no longer able to cover your debts, living expenses, and other costs, you may be looking for a solution to your problems. When you have tried multiple budgeting plans and attempted to increase your income […]
How To Rebuild Your Credit After Bankruptcy
by Padgett & RobertsonMany people are hesitant to file for bankruptcy because of the negative connotations associated with bankruptcy declarations. Many people are under the impression that bankruptcy showing up on your credit report for up to ten years is going to adversely impact their ability to ever obtain a strong credit score. But the fact remains that […]
Credit Card Debt Still A Challenge Despite Dip In Spending
by Padgett & RobertsonSince the start of the pandemic, the average amount of credit card debt most families have is dropping. But for families in financial distress, credit card debt remains a substantial burden. Filing for bankruptcy can relieve that burden, but exactly how depends on the type of bankruptcy filed. Historic Drop In Credit Card Debt According to data […]
4 Things You Need To Know About Bankruptcy And Divorce
by Padgett & RobertsonThere are few things in life that impact your finances more than your marital status. Who and when you marry can impact your earning potential for the rest of your life. Sharing household expenses can improve your quality of life. Getting a divorce can completely wreck things. In fact, divorce is one of the leading […]