The official start of summer is just around the corner, and millions of families across the country will be heading off for vacations in the coming weeks. Unfortunately, debt and summer vacations go hand in hand all too often. In a 2015 Experian survey of 1,000 adults, more than two-thirds of the vacationers said they overspend on vacation. Credit cards are often the most-used payment method on vacation. Half of the survey respondents said they spent so much on vacation that they accumulated credit card debt. Similarly, a 2017 Learnvest survey found that 74% of Americans have gone into debt for a vacation, accumulating an average of $1,108 per trip. Here are some tips on limiting the financial stress of
As a bankruptcy attorney in Memphis TN, my goal is to lift the heavy burden of debt and help people start on the path to a new life. Sometimes I encounter hurdles that interfere with that goal and keep me from helping my clients. More often than not, those hurdles are misconceptions — about bankruptcy and how it affects your life. One of the most common misconceptions? “I heard I can get fired if I file for bankruptcy.” Let me tell you why you shouldn’t worry about that. First and foremost, firing someone for filing for bankruptcy is against the law. So is withholding a promotion or a raise, or demoting you. Of course, there are instances when people break
The Challenge When a typical game of recess football went from touch to tackle, our client — a 12-year-old boy in 6th grade — wound up in the emergency room with a broken femur. He and his family came to us in search of the compensation and justice they deserved, and our attorneys were determined to get it for them. At the time of the accident, a teacher was supposed to be supervising our client and his classmates. However, she was 100 yards away, with her back to the students while distracted by a personal phone call. Her negligence is what allowed the game to escalate and become dangerous. If a child is injured on the playground due to negligent
Summer is the season of road trips. While there may be some arguments about what music to listen to, everyone in the car can agree on the importance of arriving safely at your destination. Before you hit the road, review my safety tips below and do some preparation to avoid the most common vehicle issues and driving risks. Advanced planning now can prevent future car trouble — or worse — and keep your worries at bay during your vacation. What to check before you go Regular maintenance — including tune-ups, oil changes, and battery checks — can prevent many breakdowns before they occur. Make sure your vehicle has been properly serviced and is in good condition to drive. The National
Memphis, Nashville, Mid-South TN Lawyers for Babies Enduring Opioid Withdrawal Many infants and children in Tennessee are suffering from NAS. Babies enduring opioid withdrawal is a growing problem in our nation, and right here in Tennessee. Neonatal Abstinence Syndrome, or NAS, is a group of distressing symptoms that affects babies exposed to drugs while in the womb. These drugs may include legally-prescribed opioids under brand names like Vicodin, Percocet or OxyContin. Other common opioids include methadone, fentanyl, and heroin. A mother exposes the baby in her womb to these drugs when she ingests them while pregnant. This is how children develop an addiction to drugs before ever taking their first breath. In addition to going through typical drug withdrawal, infants can
Transcript: “Hi, I’m Darrell Castle. I’m an attorney licensed to practice law in the state of Tennessee. Most of my practice is bankruptcy practice. That’s what I do, folks. And a lot of the times, people come into my office and they ask me a question. They’ll say, ‘Well, can my employer fire me if I file for bankruptcy?’ “And my answer to that is, ‘No, not legally.’ He cannot fire you legally. That would be illegal. It would be wrong. You could sue him. Sometimes, people do things they’re not supposed to, you know? And if they do, sometimes they have to take the consequences of what they do, so we can go after him legally to recover
In the end of last year, credit card debt hit a new high; according to data released by the New York Fed, US household debt had grown to a record $13 trillion, and credit card balances grew by $24 billion. And so far, according to recent reports, those numbers could get even worse in 2018. More specifically, consumer debt — which has been growing steadily since 2012 — is set to break new records by the end of the year. According to recent analysis from LendingTree, consumer debt could reach $4 trillion by this December. Alarming statistics on consumer debt Here are more alarming facts from the study that I want to highlight for you as a Memphis bankruptcy lawyer:
When a truck crash occurs, serious injuries may occur, a victim or family member is well advised to consult with a truck accident lawyer. Truck accidents and collisions resulting in serious injuries may be caused by: Driving fatigued, distracted driving, or driving while impaired. Speeding Failure to follow safety training Unsafe lane change Failure to maintain the vehicle, mechanical problems Improper loading, overloading As a result of the speed, size, weight of trucks catastrophic injuries may occur, sometimes fatalities. Truckers who are driving tractor trailers while fatigued can cause crashes resulting in serious injuries and fatalities. Drivers may be violating Federal Motor Carrier Safety Administration Regulations by exceeding maximum number of driving hours rules. FMCSA has set forth hours
No one wants to get into a car accident, but with more than 200 million drivers in the United States, even the most cautious drivers may have to deal with a collision at some point in their lives. Here in Memphis, where many of us rely on cars for our daily commutes to and from work, we all need to be prepared for the possibility. Trading insurance information is one of several critical steps to take right after an accident (though remember to be quick and on topic while doing so — saying too much could negatively affect your claim). But let’s say the other driver is uninsured. Now what? There is a way to protect yourself before an accident
Legal Representation for Tennessee NAS Children Born Opioid Dependent Neonatal Abstinence Syndrome is hurting the children of Tennessee. Tennessee NAS children born opioid dependent have a tough life ahead of them. Neonatal Abstinence Syndrome, or NAS, is a group of agonizing symptoms endured by infants, caused by exposure to opioid drugs while in the womb. You see, a pregnant mother may take opioids for pain management or because she has an addiction to them. These drugs pass onto her unborn child, causing them to have an addiction before they are even born. After birth, the newborns are suddenly cut off from the drugs they have grown to depend on. They are catapulted into a harsh drug withdrawal, which can lead to