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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.”
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 […]
Budgeting Tips to Avoid Overspending During the Holidays
by Padgett & RobertsonThe holiday season is one of the best times of the year. If you’re on a budget or struggling with credit card debt, though, this time of year may leave you with a pit in your stomach. When getting from paycheck to paycheck is already a struggle, suddenly paying for gifts, seasonal outings, and high-end […]
How Small Business Owners Can Avoid Bankruptcy
by Padgett & RobertsonFew people truly understand how hard it is to be a small business owner. Expenses are high, profit margins are low, and you’re going up against an ever-growing pool of competitors. That’s why bankruptcy is such a common outcome for small business owners that overextend themselves financially. However, by taking a few preventative steps, you […]
Can I File for Bankruptcy Without My Spouse?
by Padgett & RobertsonChoosing to file bankruptcy is a major step, and if your spouse isn’t on board, you may be wondering what your options are. This is actually fairly common—one spouse may want to admit that they’re in over their head, while the other wants to continue paying on their debt until it’s completely paid off. However, […]
Can Criminal Fines Be Discharged in Bankruptcy?
by Padgett & RobertsonIf you have a criminal past that has led to a pile of unpaid court fines and penalties, you may not know where to start. The longer these debts go unpaid, the more fees they accumulate, and the harder it is to ever get control of them. Bankruptcy may or may not be the solution […]
Warning Signs That Could Lead to Bankruptcy
by Padgett & RobertsonPerhaps your finances aren’t perfect, but that doesn’t necessarily mean you’re headed for bankruptcy—right? While having room to grow doesn’t mean you’re in trouble, there are some signs that are very worrisome. If you identify with one or more of the items on this list, it might be time to take a hard look at […]
Helpful Tips to Eliminate Business Debt
by Padgett & RobertsonWhether you’ve relied on installment loans, business credit cards, or even personal debt to get your business off the ground, it’s stressful when the bills start rolling in without enough revenue to cover them. However, you have options. There are many ways you can manage your business debt and try to get your business on […]