• 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- 37 readers -
    • Dealing with Financial Issues and Security Clearance

      One of the topics that gets a great deal of views at our blog is the affect of the filing of a bankruptcy on a security clearance. I have handled all facets of security clearance issues from initial SF 86 concerns through administrative appeals at the Department of Hearings and Appeals (DOHA) level through appeals to the DOHA Appeal Board.

      Ron Sykstus/ Bond and Botes- 31 readers -
    • Finance Tips for High School Graduates

      I have many friends who are watching their kid’s graduate high school this year. Our turn will be next year and the thought of sending our daughter away from us to attend college is exciting but sad. I remember when I moved away from home and the temptations of being my own “boss” was liberating and yet frightening.

      Mary Pool/ Bond and Botes- 31 readers -
  • CFPB Fines Experian $3 Million for Deceiving Consumers

    The Consumer Financial Protection Bureau on Thursday fined Experian PLC $3 million, alleging that the leading credit-reporting firm misrepresented the credit scores it marketed to consumers, according to the Wall Street Journal. On Thursday, the Journal reported that the CFPB said Experian claimed the credit scores it sold to consumers were the same ones lenders used to make credit decisions.

    Bond and Botes- 14 readers -
  • Twenty Years And Counting!

    Normally, I blog about current events or about how we can help consumers can get real relief from financial pressures under the law. In today’s post, I digress to recognize one of our own. Recently, we celebrated the twenty year anniversary of our friend and trusted employee, Leann Wilkinson. Where has the time gone? Her official title is Office Manager.

    Ed Woods/ Bond and Botes- 9 readers -
  • Nation’s Top Consumer Complaints of 2016

    Not too many would be shocked to hear that topping the nation’s list of consumer complaints during the year 2016 would be. And the Winner IS………. Illegal Debt Collection Practices Debt collection efforts by creditors and collection agencies. I’m not sure about the general public, but I can tell you from experience in representing consumers as well as receiving calls made to me ...

    Bond and Botes- 10 readers -
  • Payday Loan Reform is Good for Alabama

    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 ...

    Bradford Botes/ Bond and Botes- 10 readers -
  • RadioShack Files Bankruptcy for Second Time

    The second bankruptcy in two years involving RadioShack has been filed by its parent company, General Wireless Operations. Approximately 1500 stores are at risk of being closed with the latest update stating 552 stores will be closed (two in Alabama are on the closure list and those locations are in Madison and Mobile). The fate of more than 1000 stores is still up in the air.

    Robert Reese/ Bond and Botes- 11 readers -
  • Winn-Dixie’s New Reward Program Offers Free Groceries

    Want free groceries? If so, on April 5th Winn Dixie is replacing its Fuel Perks program with Winn-Dixie Reward + Plenti. Customers will be able to earn points buying groceries at Winn-Dixie or spending money at any Plenti reward partner. You can earn points by: Switching to AT&T Buying gasoline at any Exxon or Mobile station Buying goods at Macy’s and many other onli ...

    Mary Pool/ Bond and Botes- 16 readers -
  • Military Service Members – Don’t Do Stupid Stuff!

    In the private, civilian non-government related world, doing stupid thing can have consequences but, when someone is in the military and/or has a security clearance, the consequences of bad judgment and behavior can be exponential. I am prompted to write this blog post based upon the disturbing news reports out of the Marine Corps.

    Ron Sykstus/ Bond and Botes- 9 readers -
  • Payday Loan Amendment Bill Introduced to Alabama Legislature to Cap Interest at 36%

    According to a recent article by the Montgomery Advertiser, 45 Alabama legislators are pushing a bill that would give the power to the people of Alabama to vote on whether payday loan interest rates in Alabama should be capped at 36% Interest Rates Out of Control A bi-partisan group of legislators and payday reform advocacy groups gathered at the Alabama State House last Tuesday to introduce the.

    Grant Mcnutt/ Bond and Botes- 22 readers -
  • How Fast is a Bankruptcy Case?

    This topic is another of the questions I answer on an almost daily basis. Everyone wants to know how quickly a bankruptcy case takes effect and how quickly it will be done. As far as court procedures go, bankruptcy is relatively speedy. Bankruptcy Provides Quick Relief The first thing to know is that starting a bankruptcy case is very fast.

    Nick Gajewski/ Bond and Botes- 14 readers -
  • Spotlight: Volunteer Lawyers Program of Madison County

    There are many people in our communities who cannot afford legal representation. Here in Madison County, we are so fortunate to have the Madison County Volunteer Lawyers Program to meet the needs of that population. The MCVLP has a two-pronged mission: Promote equal justice through the delivery of pro bono legal services and Promote volunteerism among attorneys.

    Kathryn Davis/ Bond and Botes- 9 readers -
  • CFPB Takes a Three-Step Approach to Drain the Credit Reporting Swamp

    Last week, the Consumer Financial Protection Bureau (CFPB) issued a report outlining the regulatory agency’s effort to address issues within the credit reporting market. Some of those efforts include correcting data accuracy at credit reporting companies, repairing the broken dispute procedures, and cleaning up certain information being reported by furnishers.

    Bond and Botes- 10 readers -
  • Recent Study Shows Slight Decrease in Alabama Medical Debt

    Many clients who come to discuss their financial hardships are a result of unforeseen medical debts. Many times, a simple slip and fall accident results in unexpected medical expenses or time off from work without pay. A recent study by Urban Institute report stated that nationally, almost 24 percent of non-elderly Americans have past-due medical debt as of 2015.

    Gail Donaldson/ Bond and Botes- 9 readers -
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