Bankruptcy Law Blog

Sunday, January 28, 2018

Phantom Debt Fuels Harassment

If someone was incessantly calling your house, harassing you about debt, and even threatening to rape one of your family members, you’d want to do something about it. Right? Andrew Therrien sure did. He was so upset with debt collectors harassing him, that he went on a years-long quest to clear his name and bust scammers in the debt collection industry.
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Saturday, January 20, 2018

Court Shortens Time Period For Creditors To Make Claims

A college football game has four, fifteen-minute, quarters. College basketball players get two, twenty-minute, halves. Hockey players skate three, twenty-minute, periods. These game clock rules were shaped by tradition, but today are mandated by the governing boards that oversee each sport. The legal world operates in a similar fashion.
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Thursday, December 21, 2017

Divorce and Bankruptcy

Love and Marriage & Divorce and Bankruptcy

Frank Sinatra sang that love and marriage go together like a horse and carriage. He must have been on to something since he ended up getting married four times.
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Tuesday, December 19, 2017

Bankruptcy: Holiday Shopping Spree

Going On A Holiday Shopping Spree Before Filing for Bankruptcy? You May Get More Than You Bargained For.

Christmas gifts for your loved ones are one of the easiest items to justify splurging on. It’s simple to ignore how far over budget you are going when you think about the look of pure joy you will be putting on someone else’s face. But if you are having financial troubles and thinking about Read more . . .

Thursday, November 30, 2017

Why Isn’t Bankruptcy Free?

Potential clients often ask us why it costs money to file for bankruptcy. While we can appreciate how frustrating it can be to be forced to spend money to get help because you don’t have enough money, we are reminded of the old expression “Why buy the cow if you can get the milk for free?”. It is typically offered as a warning to young women who might be tempted to give their partner the “benefits of marriage” without having a ring on her finger.
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Saturday, November 18, 2017

Bankruptcy Fraud Is No Joke

he internet is full of advice about bankruptcy “loopholes” that allow you to hide money or other assets from Uncle Sam and your creditors. Following the advice of these internet experts, or anyone else that suggests skirting the law, is downright stupid. If you get caught, you could end up in prison.
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Monday, October 16, 2017

Getting A Mortgage After Bankruptcy

Unless you find a leprechaun’s pot of gold, the only way you are ever going to be able to buy a house is to get a mortgage. But going into debt after going through a bankruptcy can be sort of scary. You know that things can get out of control quickly if you make a couple of wrong decisions.
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Monday, October 16, 2017

This Is Heartbreaking

There are plenty of people the bankruptcy system fails. Sadly, those people are often poor African Americans. A recent article in The Atlantic Monthly revealed this problem that is so evident to those of us working in the system to the rest of the world by doing a deep dive into the Memphis courts, which are notorious for being full of repeat filers who are just trying to keep their utilities on.
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Friday, September 22, 2017

The Link Between Bankruptcy & Domestic Abuse

Moving in together, opening shared financial accounts, and sharing things like a phone plan or Amazon prime account are all big milestones in a healthy relationship. But in a relationship that goes bad, each of these things can be weaponized by an abusive partner.

When you hear that someone has been a victim of domestic abuse, you might assume that they have suffered some sort of physical abuse. But there are many different types of domestic abuse. One type that is shockingly common, but is often ignored by the authorities is financial abuse.
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Wednesday, August 23, 2017

Can I Go To Jail For My Debts?

One of the reasons bankruptcy laws were enacted in America was to end the practice of jailing people who fell into debt. Debtors prisons just weren’t working out because people who are locked up can’t earn money to pay off their debts, and the families of people who were jailed ended up worse off.
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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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