Lenders are turning cars off at bad times By: Darrell Castle Missing your car payment can have some serious consequences, depending on how strict your lender is. Take Mary Bolender’s story as an example. Mary’s 10-year-old daughter’s asthma was flaring up and with a 103.5 degree fever, it was time to go to the ER. Mary got her daughter seated in the car and went to start it up, but it wouldn’t crank. Mary was three days late on her monthly car payment, so her lender remotely activated the car’s “starter interrupt device.” To get her daughter to the ER, Mary had to pay more than $389, which was money she didn’t have at the time. “I felt absolutely helpless,”
The importance of medical malpractice By: Darrell Castle Every professional needs some accoubability in his or her practice, and this is especially true for doctors. Why? Because doctors hold their patients’ lives and well-being in their hands with the decisions they make and the procedures they perform. That’s where attorneys come in. When medical professionals are negligent, causing harm and suffering to their patients, they face the risk of being sued for medical malpractice. This is why doctors and hospitals carry medical malpractice insurance. We have the top hospital injury lawyers Memphis, TN turns to after a medical injury. When a victim sues a doctor for medical malpractice, it’s important to know what he or she is saying. He
It all depends on what kind of mortgage you’re seeking By: Darrell Castle If you’re behind on your house payments and considering filing for bankruptcy, we’d love to talk to you. Call (901) 327-2100 to schedule a FREE consultation with one of our experienced attorneys. You can also find out more about 7 Steps to a 720 here. Video Transcript How long after a bankruptcy do you have to wait before you can get a mortgage? Hi, I’m Darrell Castle and I’m an attorney licensed to practice law in the state of Tennessee and the answer to that question is that it depends on which type of mortgage you’re seeking. An FHA and VA loan, the two most common
By: Darrell Castle Creditors are supposed to stop calling you immediately after you file bankruptcy If you’re struggling financially and want to someone about it, call (901) 327-2100 to schedule a FREE consultation with an experienced attorney, or fill out one of the contact forms on this page. Video Transcript If you file bankruptcy protection, how long before your creditors stop calling you? Hi, I’m Darrell Castle and I’m an attorney licensed to practice law in the state of Tennessee and the answer to that question is, they’re supposed to stop calling you IMMEDIATELY after your case is filed. Sometimes they can even be FORCED to stop calling you before your case is filed. I said “forced” but in reality,
The length of the bankruptcy process depends… By: Darrell Castle If you’re in debt and considering bankruptcy, you’re probably wondering how long the process will take. I certainly don’t blame you; you’re eager to establish your financial freedom and get your cash flow back. Well, how long the bankruptcy process lasts depends on which bankruptcy chapter you file for. If you file a Chapter 7 bankruptcy, your debts that are dischargeable will be discharged with no plan payments to make – it’s as simple as that. Assuming there are no complications, a Chapter 7 will not reach final discharge for 3-4 months after filing, and there’s usually nothing for the client to do during this time – it’s a waiting
The car accident settlement process By: Darrell Castle Transcript: If your case is really complicated and the other side just refuses to pay, then you have to go through the litigation process, and that takes longer. But the vast majority of cases are settled; and the length of time varies, depending on the complications of the accidents and the type of injury that you had. You can’t start thinking about settling an injury case until you’re fully recovered. Once you’re fully recovered and all the medical records are available for everyone to look at and evaluate, then you can discuss settlement if it’s a case that is discussable – in other words, the liability (who caused it) is pretty clear.
By: Darrell Castle If you’re injured and think you have a personal injury case, you should contact an attorney immediately. The first thing you should do after suffering an injury is get medical treatment. And people often think they need to wait until their medical treatment is complete to speak to an attorney. That isn’t true. It’s in your best interest to get the process started early and contact an attorney about your situation WHILE you’re getting medical treatment. You may know, without a doubt, that the accident was NOT your fault. OR, you may have no idea whose fault it was. That’s a big reason why you should contact an attorney fast. An experienced personal injury attorney will look
By: Darrell Castle The length of your personal injury case depends on many different factors. What you should be more concerned about is whether or not your case is being handled the right way. And if you hire the right attorney, it should be. You want your case handled with the attention it deserves. There are a lot of moving parts. There are things that can go wrong and hold the case up if they aren’t handled promptly. Hiring the right attorney to handle your personal injury case will not only ensure your case is handled the right way, but it’ll also ensure your case is successful in the shortest amount of time possible. Our team of personal injury attorneys
By: Darrell Castle In a Chapter 13 bankruptcy, your repayment plan will last 3-5 years. However, it’s up to you to decide how long you want it to last. If you choose 5 years, your payments will be lower. If you choose 3 years, your payments will be higher. And of course, if you choose 4 years then it’ll be right in the middle. When you file for Chapter 13 bankruptcy, you’re lumping your debts into an affordable repayment plan over a longer period of time. Chapter 13 bankruptcy is a very powerful weapon with many benefits that I’ve been highlighting in a new video series. Did you know… … Chapter 13 bankruptcy is more forgiving than Chapter 7? …
By: Darrell Castle The length of your Social Security Disability Insurance case really depends on whether or not your initial application is denied. That sounds bad, but it’s really not – up to 70% of initial disability claims are denied. However, you have 60 days to appeal the decision. That decision will then take about 6 months to be heard. Then, if you’re awarded disability, it takes about 3 months until you begin to receive the benefits. So, I typically tell people who are denied that the process will take about a year. What if you aren’t denied though? When you initially apply for Social Security Disability Insurance, you should receive an answer in 8 months – so a little