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Bankruptcy Law Blog

Wednesday, December 23, 2020

Understanding Your Credit Score


Credit 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 reign in aggressive debt collectors. We are acutely aware of the impact that aggressive debt collectors have. These overbearing tactics often push individuals and households into Read more . . .


Monday, December 21, 2020

The Fair Debt Collection Practices Act


Due 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 of COVID-19.

Creditors are increasingly turning to debt collectors to recover the amounts owed. Thankfully, the Fair Debt Collection Practices Act protects debtors from debt collectors’ abusive and harassing tactics.
Read more . . .


Wednesday, November 25, 2020

Debt Collectors Profit During The Pandemic


Americans currently owe more than $14 trillion in consumer debt. Of that, $372 billion is at least 90 days late and considered seriously delinquent.
Read more . . .


Monday, November 23, 2020

We’re Ready To Turn The Page On 2020, Debt Collectors May Not Be


2020 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.

You may not realize it, but the debt you hold has an expiration date, but it does. Creditors have a limited window of time during which they are able to sue you to collect past due payments.
Read more . . .


Monday, October 26, 2020

Will Filing For Bankruptcy Protect Me From Eviction?


In response to the COVID-19 pandemic, several states and cities across the country placed a temporary moratorium on evictions. But not Alabama. TRead more . . .


Thursday, October 22, 2020

Hospital Suing Patients Over Medical Debt Despite Pandemic


You 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 the black, some hospitals are being very aggressive with their debt collection tactics.

A Read more . . .


Wednesday, September 30, 2020

How Do I Know if I Qualify For Chapter 7 Bankruptcy?


Filing 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.


Read more . . .


Wednesday, September 16, 2020

How Can Filing for Ch. 13 Bankruptcy Help Me?


People file Chapter 13 bankruptcy in Alabama for a variety of reasons. In many cases, a person files Chapter 13 because of circumstances that were not within the person’s control. For instance, a person may be injured in an accident or become ill suddenly.


Read more . . .


Wednesday, August 19, 2020

New Book Highlights The Housing Bubble In Alabama, Tells Familiar Story


Stop 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 interesting that


Read more . . .


Wednesday, August 5, 2020

Mark Twain’s Path To Bankruptcy


“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 successful writers and lecturers of all time, he made such poor business decisions that he was forced to declare


Read more . . .


Thursday, July 30, 2020

Clock Management Matters Just As Much In The Court System As It Does On The Basketball Court


NBA games last 45 minutes. While the clock may stop and start multiple times, the amount of time players are on the court shooting hoops is precisely regulated. Baskets made during a pause in the action, or after the clock runs out, simply do not count.

In the legal world, clock management matters just as much as it does on a basketball court. Debts you accumulate after you file for bankruptcy, even while your case is pending, cannot be forgiven.


Read more . . .


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Bankruptcy Law News

Padgett and Robertson assist clients with Bankruptcy, Personal Bankruptcy, Consumer Bankruptcy, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy and The New Bankruptcy Law in Mobile, Alabama and throughout southern Alabama. 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.”



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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.”