Blogs

On September 25, 2013, the Federal Trade Commission (FTC) announced that it had settled with a California-based debt collector for $1 million with regard to this particular debt collector using text messages in an attempt to collect debts in an unlawful manner.

Starting in 2007, America experienced a major housing crisis due to people losing their jobs and home prices declining.  Alabama was one of 18 states who were the hardest hit by the housing crises.  To assist homeowners in these 18 states, the U.S.

The Federal Rules Committee has proposed a National Chapter 13 Plan at Rule 3015(c) of the Bankruptcy Rules that, if approved, would go into effect on December 1, 2015.   The national plan is intended to standardize consumer cases and make it easier for pro se debtors as it comes with an instruction booklet.  The national plan will also make it easier for large creditor firms to quickly look over plans as it standardize

 
As we all know, it seems to take the government an eternity to accomplish any task, from filling potholes to passing a budget, and applying for Social Security disability benefits is no exception.

You can pretty much count on the Social Security Administration (SSA)  taking about four months to make an initial determination on your application.  According to www.ssdfacts.com, in Alabama only about 28% of the applications are approved at the initial level, which is below the national average of about 32%.

The Fair Credit Reporting Act (FCRA) is the federal law with regard to disputing incorrect information on a person’s credit report.

 There are two commonly available types of Social Security disability benefits available to individuals:  Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI).

I will be writing a series of blog articles over the next few weeks concerning a specialized chapter under the Bankruptcy Code for farmers and fishermen.

The simple and emphatic answer to this is Yes!  At the time that you file your bankruptcy petition, either Chapter 7 or Chapter 13, you must list any pending lawsuits or potential claims that you may have stemming