• How Does Chapter 13 Bankruptcy Work?

      How Does Chapter 13 Bankruptcy Work? Posted on Aug 26, 2016 By Ed Woods August 26, 2016 by Ed Woods One very powerful remedy that financially strapped consumers have is a discharge pursuant to Chapter 13 of the federal Bankruptcy Code. Chapter 13 bankruptcy is so named because it is Chapter 13 of Title 11 of the United States Code.

      Ed Woods/ Bond and Botes- 39 readers -
    • Steps to Take After Your Bankruptcy Discharge

      Steps to Take After Your Bankruptcy Discharge Posted on Jun 15, 2016 By Nick Gajewski June 15, 2016 by Nick Gajewski If you’ve just received a discharge in a bankruptcy case, then congratulations! You’ve just completed a difficult process and you’re ready to move on with your life and rebuild your credit. There are a few steps you can take to make the rebuilding process easier.

      Nick Gajewski/ Bond and Botes- 32 readers -
  • Job Markets Still Struggling In Nine States Post-Recession

    The Great Recession of a few years back might be fading in the memories of some; however, in nine states across the United States, the job markets have not fully recovered according to a recent AP report. According to the report, the job numbers and overall size of the economy are still below 2008 levels in the nine states.

    Ed Woods/ Bond and Botes- 6 readers -
  • What is Your Biggest Financial Regret?

    No one likes going down Memory Lane to recall regrets but as we get older and wiser most would say that the greatest learning experiences are revisiting past failures or mistakes. In a recent article in the New York Post, “Nearly three in four Americans regret doing one thing with their money”….. NOT Saving It!!! I can honestly tell you that in the past that I have been one of those Americans.

    Bond and Botes- 8 readers -
  • Student Loan Servicing Changes

    Every day I speak to someone who has student loan issues. More recently, I have people coming in asking what they can do once their IBR (Income Based Repayment) plan ends with the federal government. They are afraid of what will happen next. Borrowers now face a new dilemma. According to a recent article in USA Today, the President believes there are too many federal student lo ...

    Bond and Botes- 8 readers -
  • Retailers Filing Bankruptcy at Record Pace

    Bloomberg news is reporting that retail stores such as clothing stores, electronic sellers, and department stores are filing for bankruptcy protection at a record place in 2017. The rise in filings is attributed to a drop in traditional walk up retail business due to online retailers. 14 retail chains have stated they will seek bankruptcy protection in the year 2017 so far whic ...

    Robert Reese/ Bond and Botes- 9 readers -
  • Steps To Take If You Lose Your Job?

    Losing a job can be one of the most stressful and emotional events that can occur for someone. The shock of losing your job can emotionally take a toll on you and your family and the financial stress of wondering how you are going to make ends meet can be overwhelming. If you have lost your job, I hope these suggested steps will help relieve some of the stress on you during thi ...

    Mary Pool/ Bond and Botes- 8 readers -
  • More Problems for Wells Fargo with Proper Credit Reporting

    It seems like Wells Fargo just can’t stay out of the news. A class action lawsuit was recently filed in the Eastern District of California, specifically Sacramento, California, alleging that Wells Fargo deliberately failed to update consumer credit reports following a Bankruptcy discharge. This, in essence, defeats the entire purpose of the fresh start of bankruptcy.

    Amy Tanner/ Bond and Botes- 3 readers -
  • Do You Have a Will?

    According to legal publisher LexisNexis, approximately 45% of those living in the United States have a Will. This is actually a pretty conservative number as other studies show numbers are even lower. Younger people are even less likely to have a Will than older people. I highly recommend everyone to get a Will prepared.

    Grant Mcnutt/ Bond and Botes- 6 readers -
  • Puerto Rico Files for Bankruptcy Protection

    I have written before on Puerto Rico’s financial situation and the possibility of a bankruptcy filing. Now, the island has effectively filed for bankruptcy. Earlier this month Puerto Rico sought relief under Title III of a federal law called the Puerto Rico Oversight, Management, and Stability Act, or PROMESA.

    Kathryn Davis/ Bond and Botes- 8 readers -
  • Will Student Loans Ever Be Dischargeable in Bankruptcy, Vol. 2

    Many people considering bankruptcy relief are aware or soon learn that student loan debt is non-dischargeable in bankruptcy. This is true for both federally guaranteed student loan and student loans issued by private lenders and has been true for many years. Student loan debt has exceeded credit card debt in this country for several years now. Currently it sits at approximately 1.

    Bond and Botes- 11 readers -
  • Beat the Deadlines if You Need Financial Help for College

    We have a high school senior this year and with graduation festivities around the corner, our focus has been how will be pay for college for our daughter the next four years! Whether your student has applied for scholarship opportunities or not, you need to be aware that there are school-based financial priority deadlines for Alabama’s four-year colleges.

    Gail Donaldson/ Bond and Botes- 13 readers -
  • Turns Out the Fix was In!

    In previous blog entries, I have detailed the Department of Justice’s (DOJ’s) corruption case against Kentucky attorney Eric Conn, Huntington West Virginia Office of Adjudication and Review’s (ODAR’s) Administrative Law Judge (ALJ) David Daugherty and Dr. Alfred Adkins for allegedly conspiring together to defraud the U.S.

    Bond and Botes- 8 readers -
  • An 8 Year Car Loan?

    I attended a meeting last week and I made the comment that I was seeing more and more consumers who have 8 years car loans. The response was, I have never heard of an 8 year car loan. I began to research how often 8 year car loans are offered and the pros and cons of an 8 year vehicle loan. The consensus seems to be that in order to finance a new vehicle for a monthly payment t ...

    Cynthia Lawson/ Bond and Botes- 11 readers -
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