One very common situation we see as bankruptcy attorneys is clients who have taken out a loan or early withdrawal from their 401(k) or retirement fund in an attempt to try and pay off their debts. Many of these clients view this as a last resort before considering bankruptcy, but the truth is, the last resort should come before borrowing from retirement. Borrowing against your retirement is not advised for multiple reasons. Do you feel like you’re drowning in debt? Call us today. Depleting your present retirement is not an investment in your future You’ve spent many hard-working hours to earn the money in your 401(k), taking advantage of a retirement account to do so, and these accounts
Why Was My SSDI Application Denied? If you did all the work to submit your information for a disability claim, you may be devastated to find your SSDI application denied. Know that you’re not alone. In this short video, Memphis SSDI lawyer Darrell Castle explains why so many SSDI applications are denied and how you could benefit from using an attorney for your appeal process. Get an Attorney for Your SSDI Appeal Remember, if you’ve been denied SSDI, you have 60 days to appeal. Our attorneys can help you build a strong appeal and get the benefits you need. We look at all the most common reasons SSDI gets denied and figure out what might strengthen your application. For
Help When Your Social Security Disability Claim Is Denied If your Social Security Disability claim is denied, you may be tempted to try again without any major changes. Or maybe you think you think about appealing the decision on your own. As a Memphis SSDI attorney, I’ve had clients try both options. Unfortunately, these paths usually end in disappointment. As frustrating as it might be, the SSA denies the majority of disability claims. In fact, they deny as many as 70% of claims on the first try. When this happens, you have 60 days to appeal the decision. And rather than do it alone, you need a trusted SSDI attorney by your side. Appeal Your Case With Our Memphis
By: Darrell Castle Collecting a paycheck is very important. That paycheck is how you pay your bills and buy your living necessities. But did you know the step in between collecting your paycheck and paying your bills can be just as crucial? Memphis Is a Leader Among Unbanked Cities What do you do with your paycheck? I put mine into a bank account. However, a large number of Americans don’t. Many Americans don’t use checking or savings accounts that banks provide. And many of those people live in Memphis. Memphis ranks #5 among large cities — cities with more than 100,000 households — for percentage of unbanked and underbanked people. This can mean one of two things. 1. Many people
By: Darrell Castle You might have taken a drug this morning at the center of lawsuits for alleged dangerous side effects. What prescription and over-the-counter medications are you taking? Have you researched them? Many dangerous drugs are FDA approved and on the market today. Either the FDA didn’t find the serious side effects frequent or dangerous enough to send a warning or recall. Or the recall process has just been a little slow. And you can’t really count on the drug manufacturers to do the right thing. When a pharmaceutical company is making $245 billion in revenue from a medication, do you think a couple billion dollars in lawsuits and fines is going to stop them? You may like to
By: Darrell Castle Misdiagnosis is not only a form of medical malpractice, but it’s one of the more common ones. Doctors are professionals and have spent many years in school learning the human body and how to treat it. However, doctors are also human and can make mistakes just as a professional in any other industry can. The difference is, when doctors make mistakes, the consequences tend to carry much harsher consequences on the victim. After all, they’re dealing with the human body! When you’re dealing with a serious medical problem and your doctor presents a diagnosis, it’s important to second-guess that diagnosis and think about getting a second opinion. This isn’t because you don’t trust the doctor. You’re just
The most common types of distracted driving By: Darrell Castle At any given daytime moment across America, an estimated 660,000 drivers are using their cell phones or other electronic devices while driving, according to the National Highway Traffic Safety Administration. Texting and driving is dangerous – everyone KNOWS that. If not, they’ve been hiding under a rock because there’s a new PSA or news story about it almost every day, or so it seems. But, that’s not the only common form of distracted driving. They’re some things you may be doing while driving that you may not consider dangerous, like: Eating and drinking Talking to passengers Grooming Reading, including maps Using a navigation system Watching a video Adjusting a radio,
By: Darrell Castle Consumer demand is resulting in earlier than ever Christmas and “Black Friday” sales. As I was walking through Macy’s last week to grab a hot chocolate from Starbucks, I passed through employees preparing Christmas shopping displays. Tis NOT the season yet. This was BEFORE Halloween. There were still two more months and two more big holidays before the Christmas month of December was to arrive. It left me wondering, “why so early?” And then, shortly after, I saw a headline on the news claiming that consumer demand has sparked earlier holiday sales. Now it all makes sense! Are we really at a point in which Halloween candy is on isle 3 and the newest Christmas deals are
If you’re going through the wage garnishment process, you may be stressed out and confused. How’d this happen? How’d you get to this point? Wage garnishments are a result of debt and spending problems. You’ve probably spent more than you can afford and allowed your finances to get out of control. Then when things got bad, you didn’t have enough money saved up to fix the mistakes. Need to stop wage garnishment immediately? We offer ZERO DOWN TO FILE! Call 901-327-2100 to see if you qualify. Since you were so far behind on your bills, the creditor had to take action to get the money you owe them. If you’re behind on your car payment, they can take your car. If
You absolutely can change your name – before, during, and after a bankruptcy. In fact, it really shouldn’t make a difference at all, at any point in the process. Names can easily change, and when they do, your attorney will just note this on your bankruptcy petition. There’s really nothing you need to do, because noting this on your bankruptcy petition will tell your creditors for you. But there’s a reason it’s all so easy: Your credit is tracked by your social security number, not your name. And while that means it’s easy to change your name and still file bankruptcy, it also means creditors can follow you wherever you go, and continue to make life more difficult – even