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
Fire Damage Caused By Truck Accidents In recent months, we’ve seen a number of high-profile truck accident fires caused by a range of issues. Some people have even questioned whether trucks are actually more flammable than they used to be. While it doesn’t appear so (and we offer some reasons below), there’s no question these kinds of accidents create an incredibly dangerous situation when they happen. Here’s what we know about these disastrous types of accidents, and what you can do if you or your property have been affected. Why Truck Accidents Seem to Be on the Rise To a lot of people, it could appear that truck accidents in general are on the rise, and serious fires caused by
Getting Your SSDI Application Right the First Time Filling out an SSDI application for the first time can be an incredibly stressful experience. As a Memphis SSDI attorney, I’ve seen hundreds and hundreds of people struggle not only to get it right but to understand what went wrong after the fact. Fortunately, we offer a number of resources to help you apply for SSDI and make your case as strong as possible the first time around. The Problem with Applications Right Now These days, it’s unusual to get SSDI through your initial application. For a variety of reasons, the SSA denies the majority of claims on the first try. However, they also usually don’t let you know exactly why they
Why You Might Not Want to Believe the Weight Loss Drugs Ads In recent months, weight loss drugs like Ozempic, Wegovy, and others have become household names. But is Ozempic hurting people? And what about the other drugs that work in similar ways? These drugs already have some of the biggest marketing budgets in the world. As news has grown around their risks, they’ve continued to sell these drugs at record speed across all markets. However, the drug companies also haven’t fully reckoned with the many reports of gastroparesis. Read on to learn more. The Possible Problems with Ozempic Ozempic – along with other weight loss drugs Wegovy, Mounjaro, Rybelsus, and Trulicity – have been associated with certain side effects,
What You Need to Know About Avoiding Medical Bankruptcy In recent years, medical bankruptcy has taken on new context. With the rise of pandemic and associated medical bills, many more people have gone into debt to cover their basic healthcare needs. Perhaps you’re wondering if medical bankruptcy might be able to help with your own debt. If so, we’re here to help. What is medical bankruptcy? How does it work? And are there any other options if you have too many hospital bills? What Is Medical Bankruptcy? Medical bankruptcy isn’t a specific type of bankruptcy, like Chapter 7 or Chapter 13. It just refers to the cause of bankruptcy being, at least in part, medical bills you can’t pay. Unfortunately,
For many of us, dogs are not just pets; they are family members. Their safety and well-being are of utmost importance, especially in unforeseen circumstances like car accidents. Understanding how the law can protect and provide for our canine companions in such situations is crucial. This blog delves into the legal aspects of canine care post-car accident. The Legal Perspective On Dogs In Car Accidents When a car accident occurs, the primary focus is understandably on the human occupants. However, dogs can also suffer injuries, trauma, or even worse. It’s important to know that the law often considers pets as property. This perspective, while seemingly cold, does have legal benefits. In the event of an accident, a car accident lawyer
Vocational Rehabilitation and SSDI: What You Need to Know Social Security Disability Insurance (SSDI) offers vital financial support to people who are unable to work due to a disability. But proving you need SSDI can take time and energy. T0 that end, vocational rehabilitation in SSDI applications, and especially SSDI appeals, can make a big difference. But what is vocational rehabilitation? And how can it impact the SSDI claims process? Understanding Vocational Rehabilitation: Vocational rehabilitation (VR) programs are broadly designed to help people with disabilities get and keep meaningful, sustainable employment. These programs offer a range of services, including: job counseling skills assessment vocational training job placement assistance and more. And they offer these services with the goal of helping
Institutional Abuse in Group Homes and Minor Care Facilities There has recently been a rise in awareness of group home abuse in Memphis, especially as it affects minors. From rehab facilities to orphanages and juvenile detention, these institutions owe us full accountability. And we owe our city’s children a chance at justice. Recent allegations against one group home in Memphis help to underscore how dangerous and isolating these abuses can get. So here’s what’s happening and what to do if you or a loved one has experienced abuse in a Memphis group home or facility. Unusually Vulnerable Circumstances The children and others who live in group homes or rehab facilities are some of the most vulnerable people in our society.