Our Latest Posts
Bankruptcy Law Blog
Useful Links
Contact Us
4317 Downtowner Loop N.
Mobile, AL 36609
Toll Free: (800) 303-1416
Phone: (251) 342-0264
Email
Follow Us
Review
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.”
Gulf Shores Attorneys Explain How to File for Chapter 7 Bankruptcy
by David MoyerFiling for bankruptcy can be a challenging and emotional decision. However, for many individuals and businesses facing overwhelming debt, Chapter 7 bankruptcy can provide a fresh financial start. If you’re considering filing for Chapter 7 bankruptcy in Gulf Shores, it’s essential to understand the process and what it entails. With the guidance of experienced Gulf […]
What Is the Fair Credit Reporting Act (FCRA)?
by David MoyerIn today’s credit-driven economy, your financial reputation can make or break your ability to secure loans, rent an apartment, or even land a job. The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer credit information is collected, disseminated, and used, ensuring that financial data is handled with care and accuracy. […]
How to Budget and Avoid Debt Post-Bankruptcy
by David MoyerBankruptcy can offer a much-needed fresh start, but managing your finances after the process is essential to prevent debt from accumulating again. Establishing a smart budget and adopting disciplined financial habits are key steps in making the most of this new beginning. In this guide, we’ll walk you through practical tips on how to budget […]
Can My Employer Discriminate Against Me for Filing Bankruptcy?
by David MoyerFiling Bankruptcy can be a challenging and stressful experience, often accompanied by concerns about how it might affect various aspects of your life, including your employment. Many individuals worry that declaring bankruptcy could jeopardize their job security or lead to unfair treatment in the workplace. Understanding Bankruptcy and Employment Law Before delving into the specifics […]
Will Debt Consolidation Affect Your Credit Score?
by David MoyerDebt consolidation has become a popular financial strategy for individuals struggling to manage multiple debts. This approach simplifies debt management by merging several debts into a single payment, often with the potential for lower interest rates. However, many people are understandably concerned about how this process might affect their credit score. In this comprehensive guide, […]
What Debts Can & Can’t Be Included in Chapter 13 Bankruptcy?
by Padgett & RobertsonChapter 13 Bankruptcy is a powerful tool for individuals seeking relief from overwhelming debt while retaining their property. Unlike Chapter 7, which involves liquidating assets to pay off creditors, Chapter 13 allows debtors to reorganize their debts and repay them over three to five years. However, not all debts are treated equally under Chapter 13. […]
Filing for Bankruptcy in Alabama: A Step-by-Step Guide
by Padgett & RobertsonNavigating financial challenges can be overwhelming, and sometimes, filing for bankruptcy becomes the most viable option to regain control over your finances. In Alabama, the process can seem complex, but with a clear understanding and the right guidance, you can effectively navigate through it. This guide by Padgett & Robertson will walk you through the […]
What Happens if my Co-Signer on a Loan Files for Chapter 7 Bankruptcy?
by Padgett & RobertsonWhen you’re navigating the complex world of loans and credit, having a co-signer can often be a helpful way to secure better terms or qualify for financing you might not otherwise obtain. However, if your Co-Signer on a Loan Files for Chapter 7 Bankruptcy, you may still be responsible for repaying the loan, as explained […]
Filing Bankruptcy: The Truth About Spousal Consent
by Padgett & Robertsoncan be a difficult decision, especially for married couples who share financial obligations. Many individuals in Alabama wonder whether they need their spouse’s permission to Filing bankruptcy. This blog will address that concern and provide a comprehensive understanding of how bankruptcy works for couples, with guidance from Padgett & Robertson, a trusted bankruptcy law firm […]
5 Essential Questions to Ask at Your Bankruptcy Lawyer Consultation
by Padgett & RobertsonFiling for bankruptcy can be an overwhelming process. It’s essential to fully understand your legal options and what the process entails before making decisions that could significantly impact your financial future. Scheduling a bankruptcy lawyer consultation with a qualified attorney is the first step in taking control of your financial situation. At Padgett & Robertson, […]