Blogs

The truth is that many of the most common beliefs about credit scores simply aren’t accurate. And those misunderstandings often cause people to delay getting help that could actually improve their financial future.

Every Bond & Botes office has people behind the scenes who make an enormous difference in the experience our clients have when they reach out for help. This month, we’re proud to recognize Debbie Ramey, whose compassion and dedication impact multiple offices across the firm.

When financial stress begins to build, most people do not immediately consider speaking with a bankruptcy attorney. Instead, many families look for what feels like a safer or less drastic solution. Debt settlement programs often appear to offer exactly that — reduced balances, lower payments, and a path out of debt without court involvement.

Since 2019, Mallory has been the face of our Haleyville office — and if you’ve ever walked through those doors, you know exactly what that means. She’s the kind of person who makes you feel welcome the second you step inside. Funny, loud (in the best way!), and incredibly personable — you always know when Mallory is in the room. And more importantly, our clients do too.

Tax refund season brings hope for many individuals and families across Alabama and Mississippi — especially for those struggling with debt. For some, a tax refund represents the first financial breathing room they’ve had in months or even years.

If you’re buried under credit cards, medical bills, or loan payments, the word "bankruptcy" can feel scary — but it’s also one of the most powerful legal tools available to help people get a fresh start. On WAAY 31 LawCall, attorney Ron Sykstus of Bond, Botes, Sykstus & Tanner answered live questions about the most common bankruptcy fears we hear every day.

A major federal student loan change is underway and will affect millions of borrowers nationwide — including a significant number of borrowers in Alabama and Mississippi.

This month, we’re proud to spotlight Jonathan Hull, an Associate Attorney in our Opelika office who exemplifies dedication, reliability, and teamwork.

As we enter 2026, many families across Alabama and Mississippi are feeling financial pressure from multiple directions at once. Post-holiday expenses, rising everyday costs, and student loan obligations coming due have left many households wondering how everything will fit into their budget.

The beginning of a new year causes a lot of people to stop and take stock. We think about health, family, work, and—often quietly—money. For many Alabama and Mississippi families, financial stress is not new. It has simply followed them from one year into the next.