Completing a Chapter 13: What You Need to Know If you’re considering filing for Chapter 13 bankruptcy, you’re probably feeling a mix of emotions: worry about your financial future, relief at finding a way to manage your debts, or curiosity about the next steps. You may be wondering what it will take to complete a Chapter 13 successfully. As a bankruptcy lawyer, I’m here to help guide you through each stage of your Chapter 13 repayment plan. In fact, our firm has helped thousands of people to navigate the system and get out of debt for good. What is a Chapter 13 Bankruptcy? Chapter 13 bankruptcy, also called a wage earner’s plan, allows you to pay off all or part
Waiting for SSDI Approval? How to Stay Afloat Waiting for approval of your Social Security Disability Insurance (SSDI) claim can be tough, especially when you’re dealing with financial stress. But don’t worry, there are steps you can take to manage your finances while waiting for SSDI approval. Our Memphis SSDI attorneys work alongside our bankruptcy attorneys to help thousands of Memphis get SSDI and avoid debt. We know how long the waits can be, but it doesn’t need to drag you under. Here are some tips to help you stay on track. Create a Budget Start by making a budget to track your income and expenses. List all your sources of income, including any savings, assistance from family or friends,
In an era where financial instability can strike unexpectedly, understanding your rights and legal options is paramount. One such avenue is seeking assistance from a wage garnishment lawyer. As a beacon of hope in navigating the complexities of debt and financial obligations, these legal professionals play a crucial role in safeguarding individuals’ rights and providing essential guidance. Wage garnishment, a legal process where a portion of an individual’s earnings is withheld by an employer to satisfy a debt obligation, can be a distressing experience. Whether due to unpaid taxes, outstanding loans, or other financial liabilities, facing wage garnishment can significantly impact one’s financial well-being and peace of mind. However, enlisting the services of a skilled wage garnishment lawyer can provide
A Lawyer for When Brain Injury Causes Other Health Problems Traumatic brain injury is a devastating medical problem that can have lifelong consequences all on its own. Our Memphis personal injury attorneys have seen it firsthand. But what happens when brain injury leads to other medical complications? After an accident causes a traumatic brain injury (TBI), how do you make sure you get coverage for everything that could go wrong? How can you know what to expect? And what should you do when complications arise? Brain Injury and Depression Studies show a brain injury can lead to depression from the changes it causes in your brain and the trauma around the injury itself. You may find yourself feeling sad, hopeless,
How Bankruptcy Can Help Repair the Damage When Insurance Won’t If you struggle with your mortgage, or even if you own a home outright, you may not realize bankruptcy and insurance problems go hand-in-hand. But issues come up all the time for homeowners, and sometimes they can lead to serious financial problems. At our Memphis bankruptcy firm, we’ve seen these sorts of problems break the bank for clients. So here’s what you need to know about these unexpected insurance issues and what you can do to protect yourself. A Wedding Week Fire About two weeks before my daughter’s wedding, lightning struck the roof of our house and set it ablaze. In addition to the normal panic any homeowner might feel,
Motorcycle Accident Myths: Separating Fact from Fiction Motorcycle accidents are a serious concern for riders and motorists alike. But there are a lot of motorcycle accident myths out there that affect how people drive, and this wrongheaded thinking can potentially lead to even more accidents. Our Memphis motorcycle lawyers are here to debunk common motorcycle accident myths and show how the truth can lead to better motorcycle safety. Myth 1: Motorcycle Riders Are Always at Fault in Accidents Contrary to popular belief, motorcycle riders aren’t always to blame for accidents. In many cases, accidents occur because of the negligence or reckless behavior of other motorists. For example: failing to check blind spots misjudging the speed of an approaching motorcycle unsafe
The Top 10 Most Common Workplace Injuries and How Workers’ Compensation Can Help In every workplace, there’s a potential for accidents. Fortunately, we have a system called workers’ comp for moments when our jobs cause injuries. But how does this system work, and what about when things go wrong? These are the top 10 most common workplace injuries and how workers’ compensation can help, along with what to do if you can’t get the benefits you need. 1. Slips, Trips, and Falls Wet floors, uneven surfaces, or cluttered walkways can lead to slips, trips, and falls – some of the most prevalent workplace injuries. These incidents can result in sprains, fractures, and other injuries. Typically, you can pinpoint an exact moment
How Does Wage Garnishment Affect Your Credit? If you’re behind on your bills and facing garnishment, you may be wondering, “Does wage garnishment hurt my credit?” As a bankruptcy lawyer who’s helped thousands of people stop wage garnishment and improve their credit scores, I think a lot about the impact of garnishment on people already struggling enough as it is. Here’s how wage garnishment affects credit scores and what you can do to recover your overall financial health. Understanding Wage Garnishment If you’re in a lot of debt, a creditor can petition the court to make you pay it back through your wages. Essentially, the court orders your employer to hold back a portion of your earnings until you’ve satisfied
What Do I Have to Prove to Show I Need SSDI? If you’re in the process of applying for disability, you may be wondering, “How do I show the SSA that I am disabled?” It’s a complicated but critical question for anyone who needs SSDI. And fortunately, there’s a lot you can do to prove your case and have a successful claim. Here’s what you need to include and why, along with what to do if the decision doesn’t go your way. Qualifying for SSDI Before you even start your application, bear in mind that there’s a difference between having a disability and qualifying for SSDI specifically. SSDI works like an insurance program. Each pay period, you pay into it
Credit Card Debt Causing Bankruptcy to Soar Over the decades at our Memphis bankruptcy firm, we’ve seen people come in for every possible type of debt. But these days, credit card debt brings in more people than any other. Why has credit card debt become such a high burden? What makes it especially dangerous in our current economy? And what can you do about it? The Rise in Credit Card Debt Credit card debt has always been a major issue for anyone contemplating bankruptcy. But in recent years, we’ve seen it have an outsized role in people’s decision to file. Here’s what we think is happening: Unsurprisingly, debt in general got worse during the pandemic. With nearly everyone facing financial