Blogs

With all the news last week regarding Governor Bentley and his “improper” relationship with Rebekah Mason, I feel that the press has lost sight of the real issues with Governor Bentley and his leadership of Alabama.  Governor Bentley originally ran for office stating he would not take a salary from the people of Alabama until the budget was balanced and our great state was no longer i

The law that controls everything as it relates to credit reports and credit reporting is titled the Fair Credit Reporting Act (FCRA).

The formal dispute process as set forth in the FCRA must be followed exactly or erroneous, false and/or incorrect information can simply be reflected on, and stay on, a credit report forever.

What happens when you personally file for bankruptcy and have bank accounts or other assets in your children’s names?

Previously, the New York Times published a comprehensive series regarding arbitration stripping away and prohibiting many rights of consumers.  I have written about this in the past and the New York Times article and subsequent editorial can be found h

Credit cards are readily available to the majority of Americans and, when used properly, can be quite useful. They are convenient for emergency situations and can provide more security. If you manage to be responsible with your credit card use, you can also build your credit score.

One of the most often asked questions I am asked is “Can I buy a house after Chapter 13?”  Owning a home is the American dream of many and the thought of losing the chance of home ownership is frightening.  Unfortunately, I don’t get follow up’s from clients post-bankruptcy very often on how they are doing unless I run i

You may be familiar with U.S. Senator Elizabeth Warren from Massachusetts.  Before being elected to the United States Senate in 2012, Senator Warren was responsible for founding the Consumer Financial Protection Bureau.

About two weeks ago, two separate clients tried to convince me that they needed to keep a particular charge card from their respective bankruptcies.  Mind you, it is illegal to intentionally leave a creditor out of your bankruptcy.  And even though both of these clients were aware of that, they still felt compelled to plead their case in hopes of keeping th

In my last blog post, I outlined what Compassionate Allowances were -- expedited decisions on applications for Social Security Administration (SSA) disability benefits.

I also pointed out that Compassionate Allowances are not the same thing as Presumptive Benefits, which they are sometimes confused for and vice versa.

The answer is no.  It is a loan.  Check advance companies are regulated under the Deferred Presentment Services Act.  Unfortunately, debtors often times become desperate for quick money and turn to check advances to make it to the next week.