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The Debt Trap of Payday Loans

When something seems too good to be true, it almost always is. And quick fixes are never what they seem. I’m talking about payday loans. As a Memphis bankruptcy lawyer, I watch payday loans trap plenty of hard-working people in a long-term cycle of debt. Lenders prey upon vulnerable people who are struggling to make…

Zostavax Vaccine Injury Lawyer TN

As a Zostavax vaccine injury lawyer TN trusts, I am offering a free legal consultation to anyone injured by the Zostavax shingles vaccine. Hundreds of people are suing Merck, the company that manufactures the popular shingles vaccine Zostavax. While Merck developed Zostavax to prevent shingles in adults 50 years and older, claimants allege that Zostavax…

The Risks of Jumping for Joy: What to Know About Trampoline Safety

We typically associate trampolines with hours of outdoor fun. For a lot of kids, they symbolize a summer joy that knows no limit. But, as is the case with so many sources of summertime fun, they pose a risk — not only for the young ones jumping for joy, but also for property owners. The…

The Inescapable Trap: Credit Card Debt in America

It’s undeniable that America has a credit card debt problem. As a Memphis bankruptcy lawyer, I meet many hard-working people who are unable to live their lives to the fullest because of debt. They are stuck in a cycle they cannot break. Revolving credit card debt — balances carried from month to month — are…

3 Tips for Parents of Teen Drivers

Do you remember the day you became a driver? I personally can recall the singular feeling of getting behind the wheel for the first time. The independence. The power. The joy. It’s one of the most memorable milestones in a young person’s life. A driver’s license means total freedom for a 16-year-old, but necessarily for…

Why You Should Contact a Foreclosure Defense Lawyer If you are in the middle of foreclosure or being threatened with one, it may be in your best interest to enlist the help of a reputable stop foreclosure lawyer in Memphis, Tennessee. The sooner you do this the sooner they may be able to start protecting your rights and provide you with options that may be better than the ones you are currently facing. If a lender is attempting to recover the balance of a loan that you have stopped making payments on, there is hope that a stop foreclosure lawyer can help to keep your home or other beloved asset that is at stake. A Memphis, TN stop foreclosure lawyer that is experienced with successfully defending people from foreclosures may be able to help you. The dedicated team at Darrell Castle & Associates is available to discuss your situation. If you decide that you would like our help, we can also schedule an initial consultation for you to find out more about the process of fighting a foreclosure. Possible Options Although your situation may feel hopeless, a stop foreclosure lawyer’s view of this may be hopeful rather than hopeless. An experienced stop foreclosure lawyer’s judgment and guidance may help you to save time, avoid common pitfalls, and ultimately save your home or other treasured asset from being taken away from you. Possible options a stop foreclosure lawyer may recommend and be able to help you with include but are not limited to: - File for Chapter 13 bankruptcy - Modify your loan - Avoid foreclosure through loss mitigation - Fight the foreclosure in court It is important for someone who is dealing with the threat of foreclosure to know what their options are. A reputable stop foreclosure lawyer in Memphis, TN should be able to identify and explain the pros and cons of each option you may have. It is important that you understand the pros and cons of all your options before you decide how to proceed. To understand how the foreclosure laws in your state affect your options, talk to a stop foreclosure lawyer who is licensed to practice in the state where your home or other asset is being threatened. Settlement Conference Some states require a settlement conference. This is an opportunity for the lending agency and the debtor to settle on an alternative resolution to foreclosure. A stop foreclosure lawyer can attend this in your place and contend with the oftentimes difficult, opposing counsel. Loan Modification While it can be difficult for a homeowner to get a bank or other lending institution to do on their own, a Memphis, TN stop foreclosure lawyer may be able to present your financial information in a way that the bank will allow for a loan modification. Chapter 13 Bankruptcy Chapter 13 bankruptcy is usually an option to turn to if all other options have been attempted and have failed. Chapter 13 bankruptcy gives an owner in default of their loan, three to five years to get up to date on their payments while staying in their home. For help in determining and deciding which options are better for you than foreclosure, contact a reliable stop foreclosure lawyer Memphis, TN clients recommend from Darrell Castle & Associates.

When Children Lose More Than a Home

Many folks who come into my office know that debt has made their life unmanageable, but still they are reluctant to make a change. Often, it comes back to the kids. Bankruptcy, they assume, will disrupt a child’s life, leaving permanent damage. Whenever this comes up, as a bankruptcy lawyer Memphis TN trusts, I remind…

Elder Abuse Law

Suffering in Silence: Why Elder Abuse Goes Unreported

Elder abuse cases are among the more heartbreaking I’ve seen as a nursing home lawyer Memphis TN has trusted for decades. Not only is it incredibly painful to watch our loved ones suffer in the years when they’re most in need of peace, but abuse has also been linked to a reduced lifespan. According to…

Bankruptcy Quick Questions and Answers

Bankruptcy Lawyers It is easy to feel overwhelmed by all the information available on filing for bankruptcy. At this point, you may have read many articles about how, why, and when you should consider filing for bankruptcy. It is important to remember, however, that the number one resource out there for you is a qualified…

Advance Directives

Personal Injury Lawyer What exactly is an advance directive? It is known by many names: living will, personal directive, advance healthcare directive, or advance decision to name a few.  To the point, it is a document that explains to others (your family, loved ones, and physicians) what your wishes are in the event that you…

Why You Should Avoid Payday Loans

Payday lenders like to tout their products as “easy,” but the truth is that these are deceitful people. They are looking to take advantage of those in tough spots. And payday loans won’t help your situation. In fact, they’ll only worsen it. If you take out a payday loan, you have to pay it back.…