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 ends meet, marketing their products as a one-time fix. But they know fully well that a payday loan is the beginning of many financial woes. It’s the problem, not the solution. What is a payday loan? It’s simple enough in theory: you take out a small amount of money at a high interest rate, to be repaid when you get your next paycheck. So if
Bankruptcy Law Firm in Memphis, TN There are many positive things about bankruptcy. It allows you to get rid of your debt, placing you in a situation in which you can rebuild your credit rating and regain your financial standing. However, sacrifices usually have to be made in exchange for the benefits you get from filing for bankruptcy, and often, your credit cards are one of those sacrifices. In rare instances, you may be able to keep a credit card after filing for bankruptcy, but more often than not, they will be canceled. Why You Usually Can’t Keep Credit Cards After Bankruptcy When you file for bankruptcy, you need to report all your creditors. This includes any banks or financial
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 caused their shingles. This is why I am a Zostavax vaccine injury lawyer TN residents rely on: to stand up to Big Pharma and hold them accountable for their actions. Read on for everything you need to know about Merck and how they allegedly improperly formulated the vaccine. The facts you need to know The Zostavax shingles vaccine is given in one shot, in a
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 question of liability in the context of trampoline injuries is quite complicated, which is why I highly urge you to find experienced Memphis personal injury lawyers for legal assistance. Trampoline injuries can be more severe than you may think. What’s the harm in a little trampoline time? Believe it or not, this simple activity can — and does — take a turn for the worst.
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 reaching highs never before seen. In a survey from earlier this year, NerdWallet found that America’s total credit card debt had reached $423.8 billion, an increase of 5% from 2018. The average credit card debt per U.S. household is $6,741. 1 in 11 Americans who have credit card debt, roughly 9%, don’t think they’ll ever be free of it. 1 in 5 Americans expects to
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 his or her parents. After that trip to the DMV, Mom and Dad may be relieved of their chauffeuring duties, but they’ll never be free from worry—at least not for the foreseeable future. I’m not a magician, so I can’t wipe those worries away, sadly. But as a parent and a Memphis car crash lawyer, I can arm you with the facts you’ll need to
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 concerned parents that unresolved debt can do much greater harm. Take foreclosure, for example. When journalists discuss foreclosure, they tend to focus on numbers. We fixate on property values and even the abandoned houses themselves. We don’t talk about the children left without homes. They are the most vulnerable, often invisible victims of the crisis. And bankruptcy, which I’ll explain in more detail below, can
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 some studies, elders who experience even modest abuse have a 300% higher risk of death compared to others their age. Demographic shifts mean a potentially higher rate of elder abuse. Sadly, elder abuse—which includes abandonment and neglect; financial exploitation; and both physical and emotional abuse—is likely to become a more common occurrence. The number of Americans over 65 is projected to more than double by
Foreclosure Defense Lawyer Going through a foreclosure is an extremely stressful time in a person’s life. No one wants to or expects that they will experience a foreclosure, but sometimes circumstances get out of hand and leave you in a situation where you could be at risk of losing your home. When dealing with a foreclosure, there are a few options you can take: go on this journey alone or enlist the help of a trusted advisor. In this article, we’ll discuss when you need to consider hiring a foreclosure defense lawyer and when you do not. What does it mean to be in foreclosure? When you mortgage a home, you make a contract with the mortgage companies agreeing to
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 and experienced bankruptcy attorney. Only an attorney can analyze the specifics of your case and make tailored recommendations that will help you make the best of your legal and financial situation. Even if you are not one hundred percent sure you are going to file for bankruptcy, it is in your interest to consult with a bankruptcy attorney early in your decision making process. An