Bond and Botes - Posts from August 2017

  • We Can Do More to Honor Our Veterans

    Last month I blogged about issue of debt collection against our veterans and the issue of the treatment of our veterans continues to weigh on my mind. It would not be hard for anyone reading my blogs to determine I am a liberal. In fact, a description of me as a Yellow Dog Democrat will never offend me. And as a liberal, I generally believe war stinks. In fact, I hate it.

    Bond and Botes- 13 readers -
  • Episode 19 – Next Lawyer Up with Ron Sykstus featuring Larry Heinkel

    This episode of the Next Lawyer Up podcast features attorney Larry Heinkel I was recently in Tampa Bay, Florida for a hearing and I thought I would catch up with attorney Larry Heinkel. Larry’s office is nearby, in St. Pete, and he represents taxpayers nationwide on their federal tax problems. His website name really sums up what he does –

    Ron Sykstus/ Bond and Botes- 10 readers -
  • Episode 20 – Next Lawyer Up with Ron Sykstus featuring Steven N. Peskind

    This episode of the Next Lawyer Up podcast features attorney Steven N. Peskind This podcast, as you’ll hear, is very personal to me. Steve Peskind is a great lawyer with many accolades. He practices throughout Illinois and his office is located in the far western suburbs of Chicago in the Fox River area. I initially met Steve when he was a young lawyer first practicing in Aurora.

    Ron Sykstus/ Bond and Botes- 15 readers -
  • The United States: A Nation of Pain

    My last blog post detailed how widespread frivolous prescriptions for opioid pain killers have been in North Alabama. In this blog post, I will widen the scope a bit and cover the impact opioid abuse has had both nationally as well as locally. Deaths Related to Opioids In a data chart available from the Centers for Disease Control and Prevention (CDC), over the span of 2008 to ...

    Bond and Botes- 12 readers -
  • Should You Be Using Credit Cards Just for the Rewards?

    You may be surprised to find out that Americans love using their credit cards. According to the Federal Reserve, for the first time since the financial crisis in 2008, the preferred method of payment among Americans is using a credit card rather than a debit card. In 2016, a US Payment Study conducted by TSYS reflected that out of the 1,000 consumers who have at least one debi ...

    Bond and Botes- 13 readers -
  • Disabled Veterans and Their Families – A Common Perspective

    I meet with or talk by phone to at least 2 to 3 veterans each day. These are veterans who contact me and ask me to help them fight the VA due to the VA’s denial of the veteran’s request for disability compensation. Out of these veterans that I see each day, at least one will tell me that he or she believes that the VA is purposely denying his or her disability claim and that “t ...

    Ron Sykstus/ Bond and Botes- 12 readers -
  • Need Some Extra Cash? Want to Work From Home?

    Do you hear commercials or see ads everywhere that say, “Need some extra cash?” “Want to work from home?” It is everywhere. Have you ever heard the term Multilevel-marketing companies? They are also called MLMs or are doing “direct-sales.” They are very similar or arguably could be called a pyramid scheme.

    Bond and Botes- 13 readers -
  • Have You Paid Any Overdraft Fees in the Last Year?

    If you have not paid any overdraft fees in the last year, then you are apparently in the minority. According to a recent article by CNN Money, Americans have racked up billions of dollars’ worth of overdraft charges. Overdrafting is when a customer tries to make a purchase without enough money in their account to cover the transaction.

    Grant Mcnutt/ Bond and Botes- 13 readers -
  • What Are Executory Contracts and Unexpired Leases?

    In consumer bankruptcy petitions, there is a subsection in the filing documents titled Schedule G which requires the disclosure of all executory contracts and unexpired leases. Broadly speaking, these items are contracts or leases between two parties agreeing to perform one or more actions in return for one or more actions.

    Bond and Botes- 12 readers -
  • What Income Counts When Filing Bankruptcy?

    It is no surprise that the amount of income you have effects your ability to file a bankruptcy case. However, there are many different types of income. Wages, tips, Social Security, and VA Disability income are just a few. Be aware that just because you may not have to file income taxes on all or a part of your income, that doesn’t mean you can leave it out when filing bankruptcy.

    Nick Gajewski/ Bond and Botes- 11 readers -
  • Solar Eclipse Facts and Precautions

    According to NASA, a total coast-to-coast eclipse of the sun hasn’t been seen in the U.S. in 99 years, so the Aug. 21 event will be a can’t-miss for many of us. A total solar eclipse is caused by a unique set of circumstances. Oddly enough, the sun is 400 times larger than the moon — but it’s also 400 times farther away.

    Cynthia Lawson/ Bond and Botes- 14 readers -
  • Modifying a Chapter 13 Bankruptcy Plan

    As you can see from our information page, a Chapter 13 bankruptcy case is a form of debt consolidation. It allows you to reorganize your debts so they are easier to repay, and in some circumstances can reduce the overall amount of debt that is actually repaid. However, one of the aspects of a Chapter 13 case that can cause people worry or hesitation is the fact that a typical C ...

    Nick Gajewski/ Bond and Botes- 15 readers -
  • Mississippi Payday Lender All American Check Cashing Shut Down

    Last week, the Jackson Free Press in Jackson, Mississippi reported that Mississippi payday lender, All American Check Cashing, Inc., is in trouble again. This time, it’s with the Consumer Financial Protection Bureau (CFPB). The CFPB alleges that All American has engaged in a range of improper practices including hiding check cashing fee schedules, misleading people into taking ...

    Ed Woods/ Bond and Botes- 12 readers -
  • FCC Cracks Down on Robo-Calls

    The Federal Communications Commission (FCC) has proposed an $82 million fine against a man who has allegedly made millions of automated sales calls. The FCC has accused Philip Roesel and Best Insurance Contracts dba Wilmington Insurance Quotes, of violating the Truth in Caller ID act. According to the FCC, Roesel and his company made 21 million automated calls, also known as ro ...

    Kathryn Davis/ Bond and Botes- 27 readers -
  • How Chapter 13 Can Help With Unpaid Property Taxes

    As most of us know, one of the joys of home ownership is that the homeowner has to pay property taxes. These taxes help fund things like schools and parks. The amount of tax owed is generally based on the assessed value of the home. Most mortgage contracts require you be current on your property taxes, and many times the mortgage lender will collect the property taxes through r ...

    Kathryn Davis/ Bond and Botes- 14 readers -