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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.”
Understanding Your Credit Score
by Padgett & RobertsonCredit scores underlie most major financial decisions including buying a home, a car, and even switching jobs – in some industries, a poor credit score can limit your employment. At Padgett & Robertson, we work with individuals and families in Mobile and the surrounding areas to repair their credit scores, contest wrongful credit reporting, and […]
The Fair Debt Collection Practices Act
by Padgett & RobertsonDue to COVID-19, many Americans have found themselves unable to work due to no fault of their own. Despite the circumstances out of their control, debt continues to build and come due. Credit card debts, car loan repayments, and a litany of other debts are front and center for many Americans suffering the economic impacts […]
Debt Collectors Profit During The Pandemic
by Padgett & RobertsonAmericans currently owe more than $14 trillion in consumer debt. Of that, $372 billion is at least 90 days late and considered seriously delinquent. Those numbers are likely to increase as the COVID-19 pandemic persists, and debt collectors are overjoyed. At Padgett & Robertson, we are concerned what this will mean for people here in the Mobile […]
We’re Ready To Turn The Page On 2020, Debt Collectors May Not Be
by Padgett & Robertson2020 has been a heck of a year. Many of us are eagerly anticipating the ball drop on New Year’s Eve so we can put this year behind us. Perhaps the only people interested in slowing down the clock are creditors who don’t want the debts they are owed to get too old to collect. […]
Will Filing For Bankruptcy Protect Me From Eviction?
by Padgett & RobertsonIn response to the COVID-19 pandemic, several states and cities across the country placed a temporary moratorium on evictions. But not Alabama. The only renters who have any sort of protection against eviction here are those living in HUD properties and rental houses with mortgages backed by Fannie Mae and Freddie Mac. This is one […]
Hospital Suing Patients Over Medical Debt Despite Pandemic
by Padgett & RobertsonYou would think that of all people medical providers would understand the importance of cutting folks some slack during the pandemic. But that is not the case. Hospitals are starved for cash since people have been delaying medical treatment and staying away from the doctor unless it is an emergency. To try and stay in […]
How Do I Know if I Qualify For Chapter 7 Bankruptcy?
by Padgett & RobertsonFiling a Chapter 7 bankruptcy in Alabama can give you the debt relief you need to get a fresh start. However, debtors who file under Chapter 7 must meet income requirements to qualify for a bankruptcy discharge. The bankruptcy discharge is an order from the bankruptcy court that releases your liability for certain debts. Receiving a bankruptcy […]
New Book Highlights The Housing Bubble In Alabama, Tells Familiar Story
by Padgett & RobertsonStop me if you’ve heard this one before. A guy buys a condo on the Gulf Coast because he knows it is a great investment… I’m going to stop right there because we’ve all heard this one before. Many of us in the Mobile area have even lived this story ourselves. That’s why it is […]
Mark Twain’s Path To Bankruptcy
by Padgett & Robertson“There are two times in a man’s life when he should not speculate: when he can’t afford it and when he can.” -Mark Twain This quip from Mark Twain, the pen name of author Samuel L. Clemens, was actually a hard-earned lesson. Although Twain married into a wealthy family, and was one of the most […]