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  • Americans Struggling to Make Ends Meet

    A new report by the Consumer Financial Protection Bureau show that about one in five Americans struggle to pay for life’s basic needs to include food, shelter and medical care. It further states that while roughly one-third of consumers have a hard time making ends meet. The research asked respondents 10 questions that were answered on a scale of 0 to 100.

    Gail Donaldson/ Bond and Botes- 14 readers -
  • Brad Botes Named A Best Lawyer In America

    Our friend and partner, Brad Botes, has been named a Best Lawyer in America. Read about it here . We all know Brad as a man of prodigious talent and his repertoire is extensive; however, tooting his own horn apparently exceeds that talent and repertoire. Therefore, let me offer my humble assistance.

    Ed Woods/ Bond and Botes- 15 readers -
  • Conn Still On the Run!

    Kentucky Social Security Administration (SSA) disability attorney Eric Conn is still on the run. He’s apparently changed his appearance somewhat according to the latest Wanted By The FBI poster, having shaven his head and he also appears to have lost weight. Just prior to sentencing, Conn cut off his ankle bracelet and fled the area. He was last spotted in New Mexico this past July.

    Bond and Botes- 14 readers -
  • Episode 22 – Next Lawyer Up with Ron Sykstus featuring Harvey Morris

    This episode of the Next Lawyer Up podcast features attorney Harvey Morris I won’t say that Harvey Morris is a legal legend here in North Alabama but, just by me making that disclaimer, you know that it is pretty much the case. As he and I discuss, Harvey has been practicing law throughout the state of Alabama and the country for just about 50 years.

    Ron Sykstus/ Bond and Botes- 13 readers -
  • Are Overpayment of Unemployment Benefits Discharged in Bankruptcy?

    Overpayment of Unemployment Benefits are subject to discharge in both chapter 7 and chapter 13 bankruptcies. The overpayment of unemployment benefits are not given special protections, even if they are owed to the state. An unemployment overpayment is not a debt that is listed as exempt from discharge. Filing for bankruptcy can provide significant relief from the collection efforts of the state.

    Cynthia Lawson/ Bond and Botes- 13 readers -
  • What are the Bankruptcy Exemptions in Tennessee

    Under bankruptcy law, debtors are permitted to claim exemptions. Exemptions allow a debtor to exempt or remove property from the bankruptcy estate to protect it making it unavailable to the trustee or creditors for liquidation. Each state has its own exemption laws; however, there are times when it is appropriate to use federal exemptions.

    Bond and Botes- 13 readers -
  • Five Steps to Protect Yourself from Identity Theft

    Numbers have certainly increased during the last five years when it comes to identity theft. With the recent Equifax breach and the fallout therefrom, it is more important now than ever to be vigilant about protecting your identity and minimize the risks that you will be one of the ones injured by security breaches and the like.

    Bond and Botes- 14 readers -
  • Reaffirm, Redeem, Retain and Pay or Surrender Property in Chapter 7 Bankruptcy

    When someone files chapter 7 bankruptcy and owes money on a secured debt (i.e., car note, furniture loan), they must make a decision by stating their intentions on what they want to do with the collateral securing those type loans. The options to choose from are: Reaffirm the debt and keep the collateral To reaffirm a debt, one must sign a reaffirmation agreement, a contract, a ...

    Mary Pool/ Bond and Botes- 11 readers -
  • What are the Bankruptcy Exemptions in Alabama?

    A bankruptcy exemption is simply the value of certain property that state or federal law says, a creditor can NOT touch, no matter what. The two (2) types of Bankruptcy Exemptions are Real Property and Personal Property Exemptions. Each state enacts its own exemption laws or a state can decide to have the federal exemption laws apply within its borders.

    Grant Mcnutt/ Bond and Botes- 17 readers -
  • Bankruptcy: We Wrote the Book on It

    Have you been struggling with debt but are afraid to seek bankruptcy counsel? So many times people who are struggling financially only turn to Bankruptcy as a last resort, as should be the case. Folks who have never had a reason to learn about what bankruptcy really is and has to offer, don’t know the benefits and usually assume it is a bad thing.

    Amy Tanner/ Bond and Botes- 15 readers -
  • What Happens to Mortgage Debts After Bankruptcy?

    Many people worry about how filing a bankruptcy case will affect their home. As long as your case is carefully planned out ahead of time, you can typically file for bankruptcy relief without affecting your mortgage or your home. Mortgages Debts After Chapter 7 Depending on the type of bankruptcy case you file, you may either eliminate your mortgage debt or leave it untouched.

    Nick Gajewski/ Bond and Botes- 12 readers -
  • Episode 21 – Next Lawyer Up with Ron Sykstus featuring Tom Ryan

    This episode of the Next Lawyer Up podcast features attorney Tom Ryan If you believe that estate planning is a straight forward and simple area of the law, you’ll think differently after listening to L. Thomas “Tom” Ryan, Jr. Tom is a very well-known lawyer in North Alabama and his firm’s offices are in Huntsville, Mobile and Pensacola, Florida.

    Ron Sykstus/ Bond and Botes- 17 readers -
  • Security Clearance Issues, Problems, Denials and Revocations

    Security clearance issues are common place in the news these days. The news covers a lot of areas. Security Clearance Process in the News at the Highest Level Do you have to complete the SF 86 in its entirety to be given Security Clearance that allows access to classified material? Recently, the back log in the clearance process has gotten even more attention.

    Ron Sykstus/ Bond and Botes- 11 readers -
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