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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.”
Is There a Limit to the Amount I Can Discharge through Chapter 7?
by David MoyerLiving with overwhelming debt can be an incredibly stressful experience. The constant pressure from bills, the worry about making ends meet, and the uncertainty about the future can take a heavy toll. For many residents across Alabama, Chapter 7 bankruptcy emerges as a potential lifeline, a legal process designed to provide significant debt relief and […]
Bankruptcy for Seniors: Special Concerns for Retirees Facing Debt
by David MoyerFor many seniors, managing finances during retirement becomes more complex as fixed incomes must stretch to cover daily living expenses, medical bills, and unexpected costs. When debt accumulates beyond manageable levels, bankruptcy might seem like the only option for relief. However, retirees face unique financial realities and legal considerations that make the bankruptcy process different […]
Can You Be Denied Bankruptcy? Mistakes That Lead to Rejection
by David MoyerFiling for bankruptcy can provide much-needed relief from overwhelming debt and help restore financial stability. However, bankruptcy is not automatically granted to every filer. Courts carefully review every bankruptcy petition to ensure that all legal requirements are met, and failure to do so can result in denial or dismissal of your case. Understanding the common […]
Impact of Bankruptcy on Co-Signed Loans & Shared Debts
by David MoyerFiling for bankruptcy is often a way to regain control over overwhelming debt. However, when debts involve co-signers or are shared between multiple parties, the process can become more complex. In Alabama, understanding how bankruptcy affects co-signed loans and shared debts is essential to protect your financial interests and those of anyone connected to your […]
How Bankruptcy Affects Alimony, Child Support & Divorce
by David MoyerBankruptcy can be a complex and emotional process, especially when combined with the challenges of divorce, alimony, and child support obligations. For many people in Alabama facing financial difficulties, questions arise about how filing for bankruptcy might affect their family law responsibilities. Understanding Bankruptcy and Alimony in Alabama Alimony is a legal obligation where one […]
The Impact of Bankruptcy on Employment Opportunities
by David MoyerBankruptcy is a financial step that many individuals and businesses take when debts become difficult or impossible to manage. While bankruptcy can provide relief by eliminating or reorganizing debt, its effects can extend beyond personal finances and credit reports. One area where bankruptcy can have an impact is on employment opportunities. Understanding how bankruptcy might […]
Managing Medical Debt: Is Bankruptcy the Right Solution?
by David MoyerMedical debt affects millions of Americans each year, often turning a personal health crisis into a financial one. Even with insurance, many people find themselves buried under bills they cannot afford. In Alabama, high deductibles, uncovered treatments, and surprise out-of-network charges continue to place a heavy burden on families. When monthly payments fall behind, and […]
Common Myths About Filing for Bankruptcy in Alabama
by David MoyerBankruptcy offers individuals and families the chance to regain control of their finances during difficult times. Despite its legal protections and long-standing role in financial recovery, bankruptcy remains misunderstood by many. These misconceptions often prevent people from exploring a legitimate path toward stability. If you’re considering bankruptcy in Alabama, it’s essential to separate fact from […]
What Happens to Cryptocurrency During Bankruptcy?
by David MoyerThe financial landscape has been dramatically reshaped by the rise of cryptocurrency. What began as a niche technological experiment has exploded into a mainstream phenomenon, with millions of people holding assets like Bitcoin, Ethereum, NFTs, and countless other digital tokens. For many, crypto represents a significant investment, a part of their savings, or even a […]
What Happens If You Win the Lottery After Filing for Bankruptcy?
by David MoyerWinning the lottery can be a life-altering event, but it becomes complicated if you’ve recently filed for bankruptcy. In Alabama, this scenario raises critical questions about who owns the winnings—whether it’s you or your creditors. The rules governing bankruptcy cases, particularly Chapter 7 or Chapter 13, can significantly impact how the prize money is treated. […]