Jake Watson is a well-known and highly respected lawyer. Though he is based in Huntsville, he practices throughout the State of Alabama. Jake represents folks facing complicated criminal defense matters. He handles the defense of clients charged with murder, manslaughter, white collar criminal offenses, DUI, and other serious matters. He also handles personal injury and car wreck cases, along with family law matters. In addition to Alabama, Jake is licensed to practice law in Montana. He explains his Montana connection during his younger years in the podcast along with the love of all things out west! In fact, he attended law…Read More
As bankruptcy rates among American farmers continue to rise, a bill was recently introduced in the Senate that would make some changes to Chapter 12 of the U.S. Bankruptcy Code. The Family Farmer Relief Act of 2019 is designed to help family farmers reorganize after falling on hard times. Chapter 12 is the section of the bankruptcy code that is specifically for family farmers and fishermen. Congress established Chapter 12 of the Bankruptcy Code in 1986. Chapter 12 removes many barriers that debtors would face under Chapter 11 or Chapter 13. For instance, Chapter 12 is less complicated and expensive…Read More
Hospitals are usually one of the last places a person wants to visit. It’s usually a relief when a patient leaves and returns home. That is until the medical bill arrives in the mail a few weeks later. Medical bills rarely end up being an amount the patient expects, as it is virtually impossible to know what the final amount will be until the bill arrives. This is not surprising considering how confusing in/out of network insurance coverage is by itself, let alone the varying prices in miscellaneous charges. Annual healthcare costs today average around $10,739 per person, but that…Read More
As our firm continues to grow, we constantly look to recruit new talent to help us better serve our clients and reach out to even more families and individuals in financial distress. I am very pleased to announce that a new attorney has joined with us in our quest. Wes McKenzie is a native Mississippian who is committed to serving the legal needs of his fellow Mississippians. In 2008, Wes earned his undergraduate degree in Business Administration with an emphasis in Marketing from the University of Mississippi. In 2013, he earned his Doctor of Jurisprudence from the Mississippi College School…Read More
The biggest fear and unknown for every landlord of residential or commercial property is whether their tenant will timely pay his or her rent. For all but the most financially affluent landlords this is, of course, a very big deal. Most landlords have their own obligations to worry about which is why late or no payments on rental property can wreak havoc on their own financial lives. On top of this, it is possible, under existing landlord-tenant laws, for tenants to stay in a rental property for a long time without paying for it. Fortunately, for landlords and property…Read More
The April 15th tax deadline is right around the corner and many Americans wait until the very last minute to file. There are several ways to build your wealth while still reducing your tax bill. While it may be too late to help with your 2018 taxes, it is a great time to resolve to make the most of special investing your accounts that offer valuable tax breaks. 401(k) and 403(b) plans. Does your employer offer a retirement plan that also pitches in a matching contribution? This is a great opportunity to reduce your overall tax liability. Check with your…Read More
Many people considering bankruptcy relief are aware or soon learn that student loan debt is generally non-dischargeable in bankruptcy because student loan debt can only be discharged if the bankruptcy court determines a debtor has met the qualifications for a hardship discharge. In most jurisdictions the hardship discharge is not easily obtained. The decision by a bankruptcy court is driven significantly by the facts of each individual case and evaluated against an onerous test. In the Eleventh Circuit, under which bankruptcies in Alabama are governed, the Brunner test has been adopted to determine if a student loan is dischargeable based…Read More
A few months ago I wrote about What Happens to Real Estate when you surrender it in a Bankruptcy. Now, I want to discuss what happens to personal property like vehicles, mobile homes, furniture, and other household items when you surrender them in a bankruptcy. What are Secured Creditors? Let’s start with Secured Creditors. These are creditors who hold liens of some kind against your property. With personal property, the most common types of liens may be a lien on a vehicle title, a purchase money security interest or a security interest under the Uniform Commercial Code (UCC). Basically, if…Read More
I was fortunate to be able to sit down recently and catch up with attorney Matt Hancock. Matt has been on my list to talk to for a long time and I am glad that we were both able to finally schedule this podcast. Matt practices with the highly regarded law firm of Wolfe Jones. Their offices are located in Huntsville and Athens but their law practice reaches throughout the state of Alabama. Matt practices in the areas of bankruptcy, commercial law and creditors’ rights. Matt is one of those lawyers that has mastered his areas of practice while, at the same time, remaining humble,…Read More
Immigration is a pretty hot topic these days and I thought I would discuss a possible aspect of it in my blog entry that we do not normally hear about in the current national debate: What happens to a claimant’s Social Security (SSA) monthly monetary benefits if they leave the United States? Here the SSA includes all of the states and the country’s many territories, administrative districts, etc. as the “United States.” The SSA considers the recipient to have left the country if they are outside the “United States” for 30 consecutive days. Worst Case Scenario In the worst case…Read More
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