• What is a Bank Levy?

    What is a Bank Levy? Posted on Nov 09, 2015 By Cynthia Lawson November 9, 2015 by Cynthia Lawson A bank levy is when a creditor has obtained a judgment against you for a debt and then serves that judgment on your bank. The bank is then required to freeze all money not exempted and send those funds to the creditor.

    Cynthia Lawson/ Bond and Botes- 36 readers -
  • Take the 52-Week Money Challenge to Start Saving Money Today

    Have you heard about the 52-Week Money Challenge that has been published all over the internet? It is an easy plan to help someone establish a savings account and to help people who have difficulty saving money actually have a method to SAVE money. I have had several friends and family members tell me about this challenge and I think that this plan is a great way for someone to ...

    Mary Pool/ Bond and Botes- 33 readers -
  • The Danger of Ignoring a Collection Lawsuit

    As a bankruptcy attorney I have had countless clients come to me having had their wages garnished, never even knowing a judgment on a collection lawsuit had been entered against them some time in the past. This type of surprise can be devastating – causing a client to be unable to make a monthly mortgage payment or car payment due to a garnishment taking a 25% cut of their disposable wages.

    Bond and Botes- 29 readers -
  • Failed Concert Results in Bankruptcy

    A cancelled concert originally set for this weekend in Vancouver caused the promoters to seek bankruptcy protection. Paper Rain Performances scheduled a Bon Jovi concert several months ago, but failed to acquire the proper permits from the city of Vancouver. It seems that a lack of ticket sales may have been a factor as well.

    Joshua Lawhorn/ Bond and Botes- 44 readers -
  • Is Certain Property Exempt from Garnishment of Your Bank Account?

    Is Certain Property Exempt from Garnishment of Your Bank Account? Posted on Nov 19, 2015 By Grant McNutt November 19, 2015 by Grant McNutt In very recent years, Federal laws have been enacted to provide enhanced protection for certain exempt funds from Garnishment of your bank account. It had become commonplace for banks, upon receiving a garnishment order from a judgment c ...

    Grant Mcnutt/ Bond and Botes- 40 readers -
  • What is a Hardship Discharge?

    What is a Hardship Discharge? Posted on Oct 01, 2015 By Gail Donaldson October 1, 2015 by Gail Donaldson Many times during the life of a Chapter 13 case, one of my clients will call and tell me they want a hardship discharge because they cannot make their Chapter 13 payments any longer. Here are the requirements to qualify to seek a hardship application in Chapter 13 bankru ...

    Gail Donaldson/ Bond and Botes- 37 readers -
  • Disabled Vets Able to File Chapter 7 Bankruptcy Regardless of Income

    Disabled Vets Able to File Chapter 7 Bankruptcy Regardless of Income Posted on Aug 11, 2015 By Mary Pool August 11, 2015 by Mary Pool As a daughter of a retired U.S. Army Command Sargent Major, I personally know the financial and personal sacrifices that our military families face while their service men and women are away.

    Mary Pool/ Bond and Botes- 35 readers -
  • Can Bankruptcy Stop Wages from Being Garnished?

    We see many potential clients whose biggest issue is that their wages are being garnished by one or more creditors. The potential clients ask whether bankruptcy can stop the garnishments. The answer is yes! Wage garnishments can be devastating to someone who is struggling financially. Fortunately, when a debtor files bankruptcy, the automatic stay is put in place.

    Kathryn Davis/ Bond and Botes- 34 readers -
  • Will I Ever Get My Home Loan Modification?

    Will I Ever Get My Home Loan Modification? Posted on Oct 09, 2015 By Amy Tanner October 9, 2015 by Amy Tanner This is a continuation of my post from September 19, 2015 entitled What Is A Home Loan Modification. Applying for a home loan modification can be a grueling process. I have seen the process go on for 12-18 months, often ending in a denial and, unfortunately, many t ...

    Amy Tanner/ Bond and Botes- 33 readers -
  • Disclosure of Your Personal Information in Bankruptcy

    Disclosure of Your Personal Information in Bankruptcy Posted on Sep 22, 2015 By Robert Reese September 22, 2015 by Robert Reese How important is being completely forthcoming about your finances and debt when you meet with an attorney to discuss Chapter 7 bankruptcy and Chapter 13 debt consolidation? The answer is quite obvious, extremely important.

    Robert Reese/ Bond and Botes- 31 readers -
  • Is the Social Security Administration’s Disability Program Running Out of Money?

    Is the Social Security Administration’s Disability Program Running Out of Money? Posted on Aug 05, 2015 By James Ezzell August 5, 2015 by James Ezzell Yes. We are all painfully familiar with the budget battles Congress wages regularly with the President, and most recently the resulting budget sequestration of 2013 that really put a number of government programs and employees in a bind.

    Bond and Botes- 31 readers -
  • What is a Home Loan Modification?

    What is a Home Loan Modification? Posted on Sep 18, 2015 By Amy Tanner September 18, 2015 by Amy Tanner Many homeowners are not aware they may be eligible for a Home Loan Modification. There are various programs, some offered by government entities, that are available to homeowners seeking a home loan modification, but the most common avenue for obtaining a home loan modifi ...

    Amy Tanner/ Bond and Botes- 30 readers -
  • “Forgiven Debt” Really?

    “Forgiven Debt” Really? Posted on Oct 14, 2015 By Suzanne Carlson Shinn October 14, 2015 by Suzanne Carlson Shinn We often hear the phrase “Too good to be true”. Well, unfortunately when it comes to debt settlement, that statement may be truer (and costly) than you might think. Many people are traveling under the mistaken assumption that if they are able to work out a settl ...

    Bond and Botes- 27 readers -
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