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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 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 […]
Can I Discharge Unemployment Overpayment in Bankruptcy?
by Padgett & RobertsonWhen your budget is stretched to its limits, any additional expense can break you. That’s what many Alabama residents are facing as the Alabama Department of Labor continues to seek repayment of overpaid unemployment. If you’ve been asked to repay unemployment overpayments, just as you start to get back in order after the pandemic, what […]
Helpful Ways to Save on Groceries and Fight Inflation
by Padgett & RobertsonInflation is hitting everyone, and if you’re like the rest of us, you’ve seen a significant boost in your grocery bill. Who doesn’t love spending more and getting less, right? While there’s nothing you can personally do to stop inflation, you can use some easy tricks to keep your grocery bill manageable while still keeping […]
Will You Lose Your Cell Phone in a Bankruptcy?
by Padgett & RobertsonIf you’re like most people considering bankruptcy, this is your first time facing such serious financial struggles. Because of this, it’s normal to have lots of questions about the process. Will you lose your home? How will your credit be affected? What items do you get to keep? Do you get to keep possessions like […]
Can You Declare Bankruptcy on a Second Mortgage?
by Padgett & RobertsonMost people only consider bankruptcy as a last resort when nothing else has helped them get out from under their debt. They may have gotten second jobs, sold extra items laying around the house, or taken out a second mortgage to consolidate debt and get a lower interest rate. But when all of those efforts […]
Important Considerations Before You File for Business Bankruptcy
by Padgett & RobertsonYou started your business with hard work and a dream, but perhaps things haven’t worked out quite as you’d hoped. With the economy always in flux and inflation hammering small businesses, a growing number of companies are filing for bankruptcy. If you’re thinking about this option for your business, set aside some time to talk […]