What to Know About Filing for Bankruptcy Again If you’ve filed for bankruptcy in the past and find yourself in financial trouble again, you might be wondering if you can file for bankruptcy more than once. The short answer is yes – but there are rules about when and how you can do it. As a bankruptcy lawyer, I’ve helped many people in your situation. Even after you get out of debt, life can throw curveballs. People with job loss, medical bills, divorce, and more sometimes find one bankruptcy isn’t enough to keep them out of financial trouble forever. Here’s what you should know, and how to get rid of debt for good. You Can File Again – But Timing
Do Waivers Prevent You from Filing a Personal Injury Claim? Have you signed a waiver before going to a gym, amusement park, or participating in a sports event? Waivers and personal injury go hand-in-hand and can make a big difference if there’s an accident. Many people believe that once you sign a waiver, you can’t file a personal injury claim – but that’s not always true. As a personal injury lawyer, I can help you understand how waivers work, what rights you still have, and when you should speak with a lawyer. What Is a Liability Waiver? A liability waiver is a document you’re asked to sign before taking part in a risky activity. It usually says that if you
How Dog Breeds Affect Liability in Dog Attack Cases in Tennessee When it comes to liability in dog attack cases, many people wonder: Does the breed of the dog matter? The short answer is yes… but maybe not in the way you think. In Tennessee, liability in dog attack cases is based more on the behavior of the dog and the actions of the owner than on the breed alone. However, certain breeds can play a role in how cases are handled, especially where the insurance companies or courts are involved. The Law Focuses on Behavior, Not Breed Tennessee law doesn’t single out specific breeds when it comes to dog bite liability. Whether you were bitten by a Chihuahua or
Car Leases and Chapter 7 Bankruptcy If you’re struggling with debt and looking for a way out, you may wonder what will happen to your car lease in Chapter 7 bankruptcy. Can you keep it? Will the lease be canceled? What if you’re behind on payments? These are common questions, and as a Memphis bankruptcy lawyer, I can help you understand your options and how a car lease fits into the Chapter 7 process. First, Is a Car Lease Treated Like Other Debt? A car lease is a contractual obligation, just like a credit card or personal loan. When you file for Chapter 7 bankruptcy, you have to list your lease in your paperwork. That’s true whether you’re current on
Proving and Winning Disability for Migraine Disorders When it comes to getting SSDI for migraines, you may quickly find that proving your condition to the Social Security Administration can be one of the toughest challenges you’ll face. Chronic migraines can be completely debilitating, and they’re far more than “bad headaches.” They might leave you in a dark room for hours or even days, unable to work, think clearly, or carry out daily activities. But proving that to the SSA can be another real hurdle in your journey. Why Migraine Claims Are So Hard to Win Migraines don’t show up on an X-ray or blood test. There’s no single scan that proves you’re in pain. Because of this, the SSA often
Not Sure If You Have a Hair Straightener Lawsuit? Here’s What to Do If you’ve been following the news about chemical hair relaxers and cancer, you may be wondering if you have a hair straightener lawsuit yourself. If you’ve used these products and gotten cancer, should you take legal action? What if you have no idea if you have a case? As a Memphis personal injury lawyer, I’ve spoken to many women in the same position. Some don’t know which products they used. Others aren’t sure whether their cancer qualifies. And many simply don’t have all the paperwork they think they need. The truth is, you don’t have to have all the answers before you call a lawyer. You just
How to Get SSDI with Multiple Diagnoses Living with more than one medical condition can be overwhelming. You may have days where it’s hard to tell which illness is causing your symptoms, or they may all be working together to make daily life a struggle. But getting SSDI with multiple diagnoses isn’t always straightforward. If you need disability, here’s how the Social Security Administration (or SSA) will look at your conditions, along with ways to strengthen your application. How the SSA Looks at Multiple Conditions The SSA doesn’t approve claims based on whether you have multiple health problems. Instead, they consider how your combined medical issues affect your ability to work. One condition alone might not meet their strict disability requirements,
How to Safeguard Your Personal Information from Debt Collectors When you’re dealing with debt collectors, you want to be careful about what information you share. It’s important to protect your privacy with debt collectors who may reach out to you. Some collectors are legitimate, following the law. Others may be aggressive, careless, or even outright scammers. Either way, the wrong information in the wrong hands can lead to harassment, identity theft, or further financial trouble. As a bankruptcy lawyer, I’ve seen how quickly things can spiral when someone unknowingly gives a collector too much personal information. Here’s how you can protect yourself while still handling your debts responsibly. Confirm Who You’re Talking To Before you answer a single question, make
How Chapter 13 Bankruptcy Works with Child Support Whether you owe child support or you’re someone waiting to receive it, understanding how Chapter 13 and child support impact each other could make things a lot easier for you. So here’s how bankruptcy might impact your situation, no matter which side of the equation you’re on. What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy is a legal process that helps people with regular income reorganize their debts into a manageable repayment plan. It lets you pay back some or all of what you owe over 3-5 years, based on your income and living expenses. Through this process, you’ll make one monthly payment to a court-appointed trustee, who then pays your creditors.
I Have Gaps in My Work History. Can I Still Get SSDI? If you have work history gaps in your SSDI application, it doesn’t mean you won’t get approved. Our Memphis disability firm has helped hundreds of people get the benefits they need, even with inconsistent work history. Here’s how to approach your SSDI application when you’re in that situation, including how work history impacts your eligibility. Why Work History Matters in an SSDI Claim Plenty of people applying for SSDI have had to leave their jobs, reduce their hours, or jump between roles for any number of reasons, including health. The key is knowing how to explain your work history clearly and honestly, so the Social Security Administration (SSA)