Bradford W. Botes's blog

It goes without saying that people in need of bankruptcy protection are usually living on a very tight budget. They are barely making enough money to pay their day to day living expenses. Many, in fact, are not able to pay for a place to live or food to eat.

This is a question that we hear often. A man or woman will call in with what they think is a simple question. He or she will share that they have been operating a business and want to know if they can bankrupt on just the business debt and keep their personal debt out of the bankruptcy. In this situation, as in many, the answer is not a simple one.

The 2014 Bond & Botes Financial Hardship Scholarship has been awarded to Niya McCray, who will be attending the Vanderbilt University Law School this fall. The $2,000 award will help defray her tuition costs, but it was the road Niya traveled to get this far that really made an impression.

It happens.  People lose their jobs.  People change jobs.  A young adult becomes too old to be included on her parent’s health insurance policy.  A divorce can results in the party that was relying upon her spouse for insurance no longer being covered.

Potential bankruptcy clients often come to see me after something bad has happened.

 
This is a question that I am often asked.  After all, people say, if a person can’t pay his or her creditors; how can they afford to pay their bankruptcy attorney.  As with many issues concerning bankruptcy, the answer is not a simple one.

Bankruptcy can often be a far better option than a debt settlement program. It is a process that has a defined beginning and end with protection from collection efforts from your creditors while you are in that process.

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The ads on the radio always sound alluring.  Simply respond by calling a toll free number and the debt settlement company will solve all of your financial problems.  But is the promised relief as good as described?

Many people are unable to pay their bills as they become due but clearly not all of them are candidates for bankruptcy.  So when should an individual consider filing for bankruptcy?  The truth is that there is no bright line to help make this determination.  Each person’s situation is different.  Here, however are some of the factors that should be considered in making this determ

As an attorney that has been helping people obtain bankruptcy protection for over 25 year, I am still amazed at some of the misconceptions people have about bankruptcy.  Whether at my kid’s school, at church or elsewhere in the community; someone will tell me about a “friend”, “acquaintance” or “co-worker” that filed bankruptcy and kept their house, car and valuable p

Thanksgiving Day is a national holiday celebrated as a day of giving thanks for the many good things that we have in our lives.  As a Christian, I call these good things blessings.  Although it may sound strange to some, I am thankful to be a consumer bankruptcy attorney.  Many of my friends and family members think that my work must be sad as I deal with people whom are unable to pay their bil