Joshua Lawhorn

  • Importance of an In Person Initial Bankruptcy Consultation

    When someone calls our office seeking help or legal advice, they often have several questions. Unfortunately, the answer is often that common lawyer response: “It depends.” While I would love to immediately help, it just is not possible to answer the majority of questions that are asked without first getting the information we acquire at our initial consultation.

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  • National Golf Retailer Seeks Bankruptcy Protection

    National golf retailer Golfsmith filed for bankruptcy relief earlier this month in hopes of reorganizing its business model and managing its debts. The company also sought protection from its creditors in Canada and hopes to sell its Canadian chain, Golf Town, which is comprised of roughly 50 stores. Golfsmith was founded in 1967 and is currently based in Austin, Texas.

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  • Settlement Ends Debtors’ Prisons in Jackson

    Settlement Ends Debtors’ Prisons in Jackson Posted on Jul 05, 2016 By Joshua Lawhorn July 5, 2016 by Joshua Lawhorn Recently, the City of Jackson, Mississippi settled a federal class action lawsuit that challenged the use of debtors’ prisons. The civil rights group Equal Justice Under Law and the Roderick and Solange Macarthur Justice Center of the University of Mississippi ...

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  • CFPB Sues Mississippi Based Check Cashing Company

    CFPB Sues Mississippi Based Check Cashing Company Posted on May 20, 2016 By Joshua Lawhorn May 20, 2016 by Joshua Lawhorn Madison, Mississippi based All American Check Cashing is under fire again after the U.S. Consumer Financial Protection Bureau (CFPB) filed suit against the company for allegedly engaging in deceptive practices.

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  • The Problem with Minimum Credit Card Payments

    The Problem with Minimum Credit Card Payments Posted on Mar 18, 2016 By Joshua Lawhorn March 18, 2016 by Joshua Lawhorn 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.

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  • Regional Carrier Republic Airways Files for Bankruptcy Protection

    Regional Carrier Republic Airways Files for Bankruptcy Protection Posted on Mar 02, 2016 By Joshua Lawhorn March 2, 2016 by Joshua Lawhorn While most major airlines are seeing record profits, the success does not seem to be trickling down to the smaller carriers. On Thursday, Republic Airways Holdings filed for Chapter 11 Bankruptcy protection.

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  • Yellow Cab Files for Bankruptcy Protection

    Yellow Cab Files for Bankruptcy Protection Posted on Feb 05, 2016 By Joshua Lawhorn February 5, 2016 by Joshua Lawhorn With the rising popularity and convenience of mobile ride hailing services such as Uber and Lyft, taxi companies are finding it difficult to keep up. Recently, Yellow Cab Cooperative in San Francisco filed for Chapter 11 bankruptcy protection.

    Joshua Lawhorn/ Bond and Botes- 38 readers -
  • It Worked For Them and It Can Work For You

    It Worked For Them and It Can Work For You Posted on Jan 15, 2016 By Joshua Lawhorn January 15, 2016 by Joshua Lawhorn Earlier this week, it was announced that weapons manufacturer Colt Defense would exit Chapter 11 bankruptcy as the court had approved their reorganization plan. After seeking bankruptcy relief in June of 2015, Colt was able to raise new capital through the ...

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  • How to Find a Complete List of Your Creditors

    How to Find a Complete List of Your Creditors Posted on Nov 13, 2015 By Joshua Lawhorn November 13, 2015 by Joshua Lawhorn When you file for Chapter 13 or Chapter 7 bankruptcy, you must list all of your creditors. While it is a requirement, it is also in your best interests to do so in order to take full advantage of your case.

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  • Beware of New Bankruptcy Scam

    Beware of New Bankruptcy Scam Posted on Oct 23, 2015 By Joshua Lawhorn October 23, 2015 by Joshua Lawhorn Recently in Vermont, several debtors in active bankruptcy cases were targeted by a scam. The victims received a call demanding that they wire money or a warrant would be issued for their arrest. While this scam isn’t completely new, the one in Vermont had a disturbing twist.

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  • Can Your Chapter 13 Payment Change?

    Can Your Chapter 13 Payment Change? Posted on Oct 07, 2015 By Joshua Lawhorn October 7, 2015 by Joshua Lawhorn In a Chapter 13 personal reorganization, you have an ongoing plan payment which usually is made whenever you receive a paycheck. This payment is determined by a number of factors, the primary one being your disposable income.

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  • What About Debts That Aren’t Delinquent?

    What About Debts That Aren’t Delinquent? Posted on Sep 14, 2015 By Joshua Lawhorn September 14, 2015 by Joshua Lawhorn While every person I meet with has different circumstances, there are certain things that occur in the majority of cases. Whether it be unpaid medical bills, delinquent car and mortgage payments, or pay day lenders, it is rare that I see a situation that I ...

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  • Failed Concert Results in Bankruptcy

    A cancelled concert originally set for this weekend in Vancouver caused the promoters to seek bankruptcy protection. Paper Rain Performances scheduled a Bon Jovi concert several months ago, but failed to acquire the proper permits from the city of Vancouver. It seems that a lack of ticket sales may have been a factor as well.

    Joshua Lawhorn/ Bond and Botes- 44 readers -
  • Pitfalls of Being a Co-Signer

    Pitfalls of Being a Co-Signer Posted on Jul 10, 2015 By Joshua Lawhorn July 10, 2015 by Joshua Lawhorn It is nearly impossible to keep a job without some form of transportation. Since many Americans cannot afford to purchase a car outright, they must resort to financing. If they have a bad or non-existing credit history, a co-signer is sometimes needed.

    Joshua Lawhorn/ Bond and Botes- 41 readers -
  • From Bankruptcy to the White House

    Recently, Donald Trump announced that he was running for President. While his chances of getting elected are slim, it did make me wonder if a former President had also sought bankruptcy protection. As you may know, Mr. Trump has had four businesses seek debt relief under Chapter 11. I found out that several former Presidents have not just sought bankruptcy protection for busine ...

    Joshua Lawhorn/ Bond and Botes- 43 readers -
  • Why You Need a Lawyer to File Bankruptcy

    Periodically, I witness hearings or meetings of creditors for cases that are filed Pro Se, meaning they were filed by an individual without an attorney. In the majority of these cases, it is clear that the case was filed incorrectly and that it will probably not be successful. The reason for this is simple: filing a bankruptcy case is not easy.

    Joshua Lawhorn/ Bond and Botes- 43 readers -
  • Debt Relief: Marvel’s Other Superhero

    There are few people in the United States who are unaware of the characters in the Marvel Universe. Whether it be from the original comics, action figures, or the numerous movie adaptations, it is hard to ignore Marvel’s influence on American society. In fact, the Marvel Cinematic Universe is the highest grossing film franchise both domestically and worldwide.

    Joshua Lawhorn/ Bond and Botes- 37 readers -
  • Financial Problems After Retirement

    A dream many young people have is to become a professional athlete. As you probably know, it is extremely rare for someone to actually achieve this dream. While you may think these athletes are set financially, a recent study revealed that about 15% of NFL players file for bankruptcy protection within twelve years of retirement.

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