Bankruptcy - Page 4

  • 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…

    Bond and Botes- 12 readers -
  • Maryland Bankruptcy Trustees Request Login and Password Account Information

    … How much information is too much information? Many times clients ask me why we need so much information about them “just to file Bankruptcy.” That is when I go on to explain that Bankruptcy is a very serious process and there are many pitfalls for an individual if one fails to disclose all of his or her assets. Sometimes, people make innocent…

    Amy Tanner/ Bond and Botes- 9 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…

    Nick Gajewski/ Bond and Botes- 11 readers -
  • Divorce After 50 and Surviving Financially

    … Divorce can be a very challenging process for many. There has been an upward shift in divorce after 50. Researchers coin the phrase “Gray Divorce” to describe this. The National Center for Family & Marriage Research reports the divorce rate among adults over age 50 doubled and tripled for those over 65 between 1990 and 2014. Living on a Single…

    Bond and Botes- 12 readers -
  • What is an Insider Payment?

    … The bankruptcy code defines an insider as either a relative, a relative of a general partner, a general partner of the person filing bankruptcy or a corporation in which the person filing bankruptcy is an officer, director or personal in control. When filing bankruptcy you must answer whether you have made a payment on any debt owed to an insider…

    Mary Pool/ Bond and Botes- 10 readers -
  • Some Lesser Known Requirements in Bankruptcy

    … Bankruptcy is common enough that most people know the basic principles for filing a case. However, some of the bankruptcy requirements are less well-known, which is why we always recommend you consult with an experienced bankruptcy attorney before filing a case. Keep Orderly Records First, the Court can require you to keep orderly business…

    Nick Gajewski/ Bond and Botes- 12 readers -
  • Tough Love is Called for When Paying the Bills of Your Adult Children

    … As a consumer bankruptcy attorney I frequently find myself advising clients who need bankruptcy relief because they have taken on the burden of not only their own debt but also debt incurred for their adult children. Of all the folks I try to help, this is oftentimes the most heartbreaking client. I know the client has found themselves…

    Bond and Botes- 6 readers -
  • Knoxville Debt Relief Legal Advice Clinic for Qualified Consumers

    … and educate individuals about debt issues, bankruptcy and reasons why someone should or should not file bankruptcy. Debt Relief Legal Advice Clinic The first meeting of the DRLAC will be Saturday, July 29 beginning at 9:30 a.m. The clinic will be held at Powell United Methodist Church, 323 W. Emory Road in Powell, TN, and is the first of planned…

    Bond and Botes- 16 readers -
  • Getting a Mortgage May Have Just Gotten Easier

    … CNBC’s Diana Olick reports that two major lending changes mean it may be easier to qualify for a mortgage. Credit Rating Changes First, the three major credit rating agencies will no longer report tax liens and civil judgments on some consumer’s profiles if the information isn’t complete. For the data to be reported, it must include the person’s…

    Bond and Botes- 12 readers -
  • Bankruptcy Filings are on the Rise

    … The total number of Bankruptcy filings in May of 2017 rose 5% over May of 2016. The actual number filed in 2017 was 69,668, up from 66,138 cases filed in May of last year according to the American Bankruptcy Institute & Epiq Systems. Commercial or Business Bankruptcy filings for the month of May also increased at a 5% clip to 3,572 up from…

    Grant Mcnutt/ Bond and Botes- 15 readers -
  • Credit Bureau Changes to Take Effect July 1st

    …. At Bond & Botes, we help people clean up their credit reports through the bankruptcy process. If you have loans or other debts that you’re struggling to repay or want to make sure that your credit report is clean of any negative marks, then I encourage you to make an appointment to speak with one of our experienced attorneys. We have convenient…

    Nick Gajewski/ Bond and Botes- 69 readers -
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