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  • What You Should Do If You Become a Victim of Identity Theft

    Recently, a family member of mine started receiving calls from various financial institutions to verify his information from his recent credit applications. He never applied for credit from any of these financial institutions. Someone had stolen his identity and was applying for various credit cards and loans in his name.

    Mary Pool/ Bond and Botes- 13 readers -
  • Many Older Americans Are Turning to Bankruptcy for Financial and Emotional Relief

    The golden years are turning out to be not very golden, unfortunately, for many Americans. This is something that I have noticed in my own law practice. Over the last several years, I have seen a trend in more older and retirement age folks having to seek bankruptcy assistance. Why Is This Happening? Medical Debt I think there are several reasons for this trend of older America ...

    Amy Tanner/ Bond and Botes- 11 readers -
  • What are Some Bankruptcy Myths?

    I love my law firm of Bond and Botes, my law partners, my law associates, my employees and the practice of Consumer Bankruptcy very much. It is a great thing to love what you do and who you do it with and I am so blessed to get to do just that every day. I also love my clients and solving the financial problems they bring to our offices at Bond and Botes each day.

    Grant Mcnutt/ Bond and Botes- 17 readers -
  • Beware of Predatory Lending While Shopping for the Holidays

    The biggest shopping weekend of the year is fast approaching! Black Friday will kick things off on November 24th before we move onto Small Business Saturday and Cyber Monday. Many people across the nation will be out shopping for holiday gifts, and the urge to spend is stronger at this time of year than in any other season.

    Nick Gajewski/ Bond and Botes- 16 readers -
  • XCOR Aerospace Files for Bankruptcy

    XCOR Aerospace, an innovator in the aerospace industry, has filed for bankruptcy. XCOR is a private spaceflight and rocket engine development company based at the Mojave Air and Space Port in Mojave, California, and in Midland, Texas. There are also locations in Amsterdam and Hong Kong. XCOR is best known in the aerospace industry for a suborbital space plane that was announced in 2008.

    Kathryn Davis/ Bond and Botes- 23 readers -
  • Episode 24 – Next Lawyer Up with Ron Sykstus featuring Greg Reeves

    This episode of the Next Lawyer Up podcast features attorney Greg Reeves. Greg Reeves is a Decatur, Alabama native, a good guy and a very talented lawyer. I have known Greg for a number of years through his legal work. Coincidentally, his father Bobby Reeves, who is also a great guy, has been our landlord at our Decatur, Alabama office for many years. Greg is an ...

    Ron Sykstus/ Bond and Botes- 12 readers -
  • Warning Signs Continue for Subprime Auto Loan Crisis

    Back in April of this year, I wrote about the rising number of delinquency and default rates in the subprime auto loan market. Since then, the warning signs are still flashing. According to data recently released by the New York Federal Reserve, 6.3 million Americans are late on their auto loan payments by 90 days or more.

    Bond and Botes- 14 readers -
  • “Hot Yoga” Chain Twisted Up in Bankruptcy

    I have to confess that, upon beginning this blog, I had no idea what “hot yoga” was. At first I thought it might be reference to Paris Hilton attending a yoga class. “That’s hot,” y’all. Apparently it is a yoga class where the heat is cranked up to over 100 degrees while the yoga enthusiasts practice their calling.

    Bond and Botes- 13 readers -
  • Freedom Debt Relief Accused of Deceiving Customers

    When you’re constantly bombarded with calls about your debts, signing up with a debt settlement company can seem like the easiest way to handle them. However, Reuters reported that the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against Freedom Debt Relief and its co-Chief Executive Andrew Housser this month.

    Cynthia Lawson/ Bond and Botes- 11 readers -
  • Don’t Be A Victim Of Unlawful Debt Collectors

    Many times, clients come to my office because they are getting piles of letters and constant phone calls from debt collectors. The stress caused by the constant barrage of letters and phone calls can be severe. It is not unusual for some of these people to break down in tears in my office. In many instances, a smart choice to deal with this situation involves the filing of a ba ...

    Ed Woods/ Bond and Botes- 11 readers -
  • Changes to Reverse Mortgages (HECM’s)

    In a prior blog post, I discussed what a Reverse Mortgage is. I also went into detail about some of the basic rules to qualify for one, where you get them, and cautioned about the negative aspects of them. The U.S. Department of Housing and Urban Development recently changed some of the guidelines to implement policies issued under the Reverse Mortgage Stabilization Act (RMSA), ...

    Bond and Botes- 13 readers -
  • Incurring a Debt During a Chapter 13

    If you have filed chapter 13, you should know that you cannot incur a debt without the bankruptcy court’s permission during the life of your bankruptcy. We understand that situations may arise where you may need to incur a debt. The most common situations that arise where a debt may need to be incurred are: refinancing your current home mortgage purchasing a home or car ...

    Mary Pool/ Bond and Botes- 11 readers -
  • What Is an Unsecured Debt?

    An unsecured debt is an obligation or debt that does not have personal or real property serving as collateral for payment of the debt. If you fail to make payment on an unsecured debt, the creditor cannot take any of your property without first suing you and getting a court judgment. There are a few exceptions to this rule, such as back child support, back taxes or delinquent g ...

    Grant Mcnutt/ Bond and Botes- 11 readers -
  • The Truth About Credit Cards

    With the holiday shopping season upon us, I think we need to talk about credit cards and the evil that may lurk in the fine print. It is difficult to checkout at any store lately without the clerk trying to push me to open a credit card. I know their employer instructs them to make these offers and they most likely make a commission on how many accounts they open, but it has be ...

    Amy Tanner/ Bond and Botes- 16 readers -
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