Blogs

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 standardiz

 
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. Please see my previous blogs on this topic and how to dispute information.

 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 from any incident existing at that time,

That, unfortunately, is a very broad question.

Let me start off by saying that the social security disability hearing is not supposed to be an adversarial event, e.g. the courtroom-type action you see on Law & Order or Matlock with objections flying and lots of yelling.

The short answer is, yes. While your monthly income may have an effect on what type of bankruptcy case you file, unemployment itself will usually not prevent you from doing so.

In recent years, many areas have seen a proliferation of title and payday loan stores.  These businesses typically make small short term loans to consumers who don’t think other options exist.  The stores are everywhere and the loans are easy to make.  Please be cautious, repayment of the loans can be very difficult and anything but short term.