mpool's blog

Family Christian Stores has announced that it will be closing all 240 stores.  This company has been in business for 85 years.  The company claims that the reasons for closing all stores are due to “changing consumer behavior and declining sales”.  Family Christian Stores is a non-profit and one of the largest local providers of Christian products.  The company has not announced when the stores will be closed.

As we come to the end of 2016, it is that time of year when a number of people will be setting goals/resolutions for 2017.  If you are one of the 45% of Americans who will make New Year’s Resolutions this year, did you know that only 8% of Americans will complete their resolutions in 2017?  Whatever resolutions you set this year, be one of the 8% by following these simple rules of succe

What is an authorized user?

An authorized user is someone who has been “authorized” to use a credit card that is in someone else’s name.  For example, parents will sometimes add their children as an authorized user to help build their child’s credit or use while they are away at college.

You have several options with a debt that you owe has been placed in collections.  This blog post will help you determine whether one of these options will work for your situation and explain the consequences that could occur if you are unable to choose either of these options at this time.  Usually, when you owe a creditor, it will first bill you multiple times to attempt to get you to

I am a very proud daughter of an Army veteran and truly feel blessed that I was raised in a military family.  My father, Benny Conner, served in Operation Desert Storm in the early 90’s and it is because of him that I love and respect our country.  Fortunately, for our family, my father came home alive and well but for other military families the tours of their loved ones end tragically

If you are contemplating bankruptcy and owe money to a credit union, it is very important for your bankruptcy attorney to know that fact so that they can advise you of how filing bankruptcy can affect your credit union relationship.  Generally, there are three situations that could arise when you owe a credit union money and

As small business owners, we are always trying to find ways that we can assist the communities in which we work.  This year was no exception!  As parents, we are saddened by the many issues the Montgomery Public School system currently faces.  Many schools in Montgomery are very outdated and some do not even have central air conditioning.  In the news, we are constantly seeing stories about the Montgomery Public Sc

Recently, I met with a couple who was behind on payments under their bond for title contract.  They were concerned because the contract allowed the seller to void the contract and treat the contract as a month to month lease instead of a sale if a default occurred.  Understandably, this couple was upset because they paid upfront a large down payment on the property and had made payments on the ho

One of the hardest concepts for clients in bankruptcy to understand is “disposable income”.  Essentially, while you are in an active chapter 13, if you have money or come into money that can be paid to your creditors then that money should go