Why Are So Many People Falling Behind on Bills This Summer?

Here’s What You Can Do Before It’s Too Late

Summer in the South should be a time for cookouts, beach trips, and making memories—not stressing over money. But this year, more folks across Alabama and Mississippi are finding themselves falling behind on bills, and we’re hearing it every day at the Bond & Botes Law Offices.

If your credit card balances are climbing, if your lights are about to be cut off, or if you’re worried your paycheck won’t stretch to cover rent or groceries—please know, you're not the only one going through this. And you don't have to go through it alone.

Why July Is Hitting So Many Households Hard

We’re seeing a perfect storm of financial strain right now. Here’s why so many families are struggling:

• Utility bills are way up – Summer heat means the A/C is running nonstop, and power bills are spiking across the region.

• Back-to-school costs are starting to roll in – Between supplies, clothes, and fees, it’s a heavy hit before August even starts.

• Credit card interest rates are through the roof – More people are leaning on cards to cover basics, but the interest is making it harder to catch up.

• Wage garnishments and repossessions are picking up – Many people come to us after their paycheck got hit or their car was taken, often with no warning.

What You Can Do Right Now

If you’re behind and afraid things are about to get worse, don’t just hope it’ll work itself out. Here are three steps you can take today:

1. Stop Garnishments and Repossessions

When you file for bankruptcy—either Chapter 7 or Chapter 13—something called the “automatic stay” goes into effect. This puts a stop to wage garnishments, repossessions, foreclosures, and even harassing phone calls. It’s one of the strongest protections available under federal law.

👉 How Chapter 13 Can Help Save Your Home

2. Prevent Utility Shutoffs

If you're behind on your electric, water, or gas bill, a bankruptcy filing can help stop the disconnection and may allow you to catch up over time. This isn’t a loophole—it’s a legal way to protect your household during tough times.

👉 What To Do If You're Facing a Utility Shutoff

3. Talk to an Attorney—It’s Free and Confidential

We’ve been helping people across Alabama and Mississippi for over 35 years. Our team understands what you’re facing, and we’ll take the time to talk it through with you at no charge—whether by phone, video, or in person.

There’s no judgment here. Just honest answers and real help.

You Don’t Have to Carry This Alone

Every day, we sit down with good, hardworking people who are just trying to make ends meet. Many have never missed a payment in their lives until now. Life happens—job loss, illness, rising costs—and when it does, there are steps you can take to get control back.

If you’re feeling like things are slipping through your fingers, we’re here to help.

Reach out to us today:

Phone: 877-581-3396

Email: Click Here to email us through our website

Website: https://www.bondnbotes.com

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