Blogs

Many folks who come into our office are carrying mountains of long term student loan debt. The good news is a lot of people are in the new income based repayment plans that are being offered. I previously wrote about some of these plan here.

For a large portion of people in America, a home is the most valuable asset they own.  It’s only natural, therefore, that one of the main concerns of potential clients is how the Bankruptcy Court deals with mortgage debts.

ITT Technical Institute closed down in early September, leaving more than 35,000 students without a school, and leaving thousands of employees without a job.  Following the closure, the company filed for Chapter 7 bankruptcy in Indiana.  ITT Tech is th

As corny as it may sound, I like to think of the folks I work with as family. Many of the attorneys and staff members at Bond & Botes Law Offices have been with us for a long time. We have shared good times and bad. There have been weddings, children born, graduations, birthdays and so much more. Not everybody can say that they enjoy what they do for a living and the people that they do it with.

The goal every debtor has after filing bankruptcy is simple—a fresh start!  Chapter 7 Bankruptcy offers a fresh start much quicker than

On Friday, September 9, 2016, my law partner, Ron Sykstus, blogged about a shocking announcement that Wells Fargo Bank had received the largest fine ever imposed by the Consumer Financial Protection Bureau. &

In past blog entries, I have talked about the unbearably long time it takes to get a hearing scheduled during the appeals process in Alabama. As it turns out, we have it relatively good compared to some Social Security Administration (SSA) disability claimants in some other states, for example, Wisconsin.

The Fair Isaac Corporation (FICO) has changed the way in which they calculate your credit score.  The new credit scoring system, called FICO 9, went into effect in 2014.  However, it wasn’t until banks starting using the new score in mass that Fair Isaac made the new formula available to consumers.

I recently read an informative and well written article in The Washington Post by a staff reporter for National Public Radio (NPR).

On August 22, the Consumer Financial Protection Bureau (CFPB) took action against Wells Fargo Bank for illegal private student loan servicing practices that increased costs and unfairly penalized certain student loan borrowers.