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Today marks the 12th anniversary of the implementation of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). The BAPCPA, bought and paid for by the banks and credit card companies, represented the biggest overhaul of the bankruptcy system in our country in almost 30 years.
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. We believe that the state of Alabama is not doing enough to protect our citizens from the predatory payday loan industry, and w ...
Something special happened twenty-five years ago, today. On January 2, 1992, Suzanne Shinn (at that time, she was Suzanne Carlson – more on this later) began work as an attorney with Bond & Botes, P.C. In the quarter century since, she has become a dear friend, confidant, respected advocate, and mentor to many.
We get calls from people almost every day asking how much we charge to file bankruptcy. They have apparently already decided, perhaps upon the advice of a friend or family member, that they need to file bankruptcy and are making their way through a list of law firms asking this question alone to determine who they can pay the least to be the caretaker of their financial future.
On September 1, 2016; Chapter 13 Standing Chapter Trustee D. Sims Crawford became United States Bankruptcy Judge D. Sims Crawford. Having earned his undergraduate degree at the University of Alabama and his law degree at Cumberland School of Law, Judge Crawford has been a member of the Alabama Bar since 1995 and brings a wealth of experience to the bench.
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 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.
What is a Violation of the Automatic Stay? Posted on Aug 24, 2016 By Bradford Botes August 24, 2016 by Bradford Botes For many of our clients, the automatic stay is the best thing that has happened to them in a long, long time. In fact, in my opinion, there is no other provision of the law that can do more good for an individual more quickly than the automatic stay.
A couple of years back, I resolved to try to get in better shape. Being in my mid-50s, I had made this resolution several times during my life. What I have learned is that making the resolution is easy. It is keeping the resolution that is the hard part. Trying to keep on track, I stopped at the local YMCA on my way home from work tonight to get in some time on the elliptical machine.
For most of us Thanksgiving Week brings the smell of turkey roasting in the oven, time away from work and school, family gatherings and, of course, football! At Bond & Botes, we look forward to these things and are thankful for the many clients that we have been able to serve in the past year. We take great pride in being able to provide our clients with quality representat ...
2015 Financial Hardship Scholarship Winner Places Self Sacrifice Over Personal Gain Posted on Sep 15, 2015 By Bradford Botes September 15, 2015 by Bradford Botes The Financial Hardship Scholarship is one of the most exciting annual events for the legal professionals at Bond & Botes, because it promotes both future legal professionals and the financial responsibility that the firm stands .
Money Problems and Marital Problems Posted on Aug 26, 2015 By Bradford Botes August 26, 2015 by Bradford Botes Money problems create stress. Stress can lead spouses to being short with one another. The failure of a husband and wife to be able to communicate can lead to divorce. In short, money problems often lead to marital problems. Some couples marry at a young age.
When It Comes to Bankruptcy, Please Remember: There But For the Grace of God Go I Posted on Jul 15, 2015 By Bradford Botes July 15, 2015 by Bradford Botes There but for the grace of God go I. We have all heard these words. It is believed that they come from a sixteenth-century statement by John Bradford who stated “There but for the grace of God, goes John Bradford”.
To some, this may sound like a foolish question. After all, why would someone need to file bankruptcy if they earn a lot of money? Wouldn’t someone who makes a good income be abusing the system if they filed for bankruptcy? The answer is that everything is relative. It really doesn’t matter how much money someone makes if they can’t pay their bills as they become due.
Alabama has a new bankruptcy judge. The Honorable Clifton R. Jessup, Jr. was sworn in on March 2, 2015 and will hear cases in the Northern Division of the United States Bankruptcy Court for the Northern District of Alabama which is based in Decatur, Alabama. Judge Jessup comes to the bench from the firm of Greenberg Traurig LLP where his practice was focused on creditors’ righ ...