Blogs

At Bond & Botes, P.C., we work with a variety of people who have fallen on financial hard times and, in some cases, need to file for bankruptcy. Of all the financial problems we encounter, few compare to being caught in the trap of payday lending.

The second bankruptcy in two years involving RadioShack has been filed by its parent company, General Wireless Operations. Approximately 1500 stores are at risk of being closed with the latest update stating 552 stores will be closed (two in Alabama are on the closure list and those locations are in Madison and Mobile). The fate of more than 1000 stores is still up in the air.

Want free groceries?  If so, on April 5th Winn Dixie is replacing its Fuel Perks program with Winn-Dixie Reward + Plenti.  Customers will be able to earn points buying groceries at Winn-Dixie or spending money at any Plenti reward partner.  You can earn points by:

In the private, civilian non-government related world, doing stupid thing can have consequences but, when someone is in the military and/or has a security clearance, the consequences of bad judgment and behavior can be exponential.  I am prompted to write this blog post based upon the disturbing news repor

According to a recent article by the Montgomery Advertiser, 45 Alabama legislators are pushing a bill that would give the power to the people of Alabama to vote on whether payday loan interest rates in Alabama should be capped at 36%

This topic is another of the questions I answer on an almost daily basis.  Everyone wants to know how quickly a bankruptcy case takes effect and how quickly it will be done.  As far as court procedures go, bankruptcy is relatively speedy.

There are many people in our communities who cannot afford legal representation.  Here in Madison County, we are so fortunate to have the Madison County Volunteer Lawyers Program to meet the needs of that population.

The MCVLP has a two-pronged mission:

Last week, the Consumer Financial Protection Bureau (CFPB) issued a report outlining the regulatory agency’s effort to address issues within the credit reporting market. Some of those efforts include correcting data accuracy at credit reporting companies, repairing the broken dispute procedures, and cleaning up certain information being reported by furnishers.

Many clients who come to discuss their financial hardships are a result of unforeseen medical debts.  Many times, a simple slip and fall accident results in unexpected medical expenses or time off from work without pay.  A recent study by Urban Instit

I have often blogged in the past about a specialized chapter under the Bankruptcy Code for farmers and fishermen, Chapter 12 for Family Farmers and Fishermen.  Farmers are near and dear to my heart because they have been the backbone of this country since its inception.  However, that status is now becoming endangered by the same folks who brought us the Great Re