The importance of the means test By: Darrell Castle When you’re in debt and unable to pay your bills, a bankruptcy is a great route to gain back your financial freedom. When filing for bankruptcy, you can file a Chapter 7, which is a complete discharge of your debt, or a Chapter 13, which is a payment plan. Both plans come with different requirements and benefits. An experienced bankruptcy attorney will help you decide which bankruptcy chapter is best for you, and one of the first things he or she will do is a means test. A means test is a government formula that is used to determine Chapter 7 eligibility. It’s basically a formula that shows whether or
By: Darrell Castle Qualifying for the powerful Chapter 13 bankruptcy If you’re considering filing for bankruptcy, we’d love to talk to you. 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 need Chapter 13 bankruptcy protection, what do you need to do to qualify? How can you qualify? Hi, I’m Darrell Castle and I’m an attorney licensed to practice law in the state of Tennessee and I get that question quite often. And I usually answer it by asking a question, and that question is, “If you were current on your mortgage, would you be able to make the payments?” Because if
Avoid Dog Attacks by Training Your Pet to Be Safe and Happy Around Others Ever met a dog that seems really timid, or really aggressive, or maybe even both? You walk up to him and he backs away like he’s terrified of you, or he suddenly jumps at you and starts barking and growling? Odds are the dog was never socialized. Socializing a dog when it’s a puppy is absolutely crucial to its well-being later (and yours, too!). Dogs that haven’t been properly socialized might be afraid of anything, from swimming pools to people. Being a personal injury firm, we take clients all the time who have been mauled and injured, sometimes permanently, by dogs in and around Memphis. Some
By: Darrell Castle Let’s talk about three ways a personal injury case can end 1. The case can be settled in favor of the plaintiff. As a personal injury law firm, the plaintiff is our client – the person who was injured. This can happen when the defendant’s attorney offers an amount of money that we think is fair. If we think it’s fair, then we’ll recommend it to our client. The decision is ultimately his or hers. 2. The two sides can fail to reach an agreement. This can happen for a couple of different reasons. If the defendant’s attorney, or insurance company, offers an amount of money that we don’t think is fair, then the case can go
Chapter 13 bankruptcy & your credit By: Darrell Castle A common barrier that keeps a person from filing for bankruptcy is thinking it’s going to kill his or her credit, but this is a myth. Why? If you’re in the position to where you’re considering filing for bankruptcy, then you’ve probably missed some payments and are behind on your bills, meaning you already have an unfavorable credit score in the first place! Though a bankruptcy itself will not help your credit score, it’s the first step towards improving it! It is critical to discuss the timing of bankruptcy with your bankruptcy lawyers Memphis, TN respects so that you can minimize negative impacts to the process. When you file for Chapter
By: Darrell Castle Patients receive dialysis for severe kidney problems or kidney failure. Dialysis does what failing kidneys should be able to do but can’t: it removes waste; keeps blood chemicals like bicarbonate and potassium in balance; and helps maintain blood pressure. In order to balance your body’s chemicals, most dialysis concentrates contain an ingredient your body converts into bicarbonate. Fresenius’ treatments use a powder product called Granuflo. (We take personal injury law very seriously. We want to help people get the compensation they deserve when treated wrongfully. Click here to download my free report – Help Through Hard Times – from my website today.) Patients convert one ingredient (sodium acetate) in Granuflo into bicarbonate. The problem is,
If you have any questions or if you’re considering filing for bankruptcy, you can speak to one of our experienced Memphis bankruptcy attorneys, free of charge, by filling out the “Get in Touch” form below or calling (901) 327-2100.
Yesterday we discussed the widespread problem of financial abuse of elderly victims. While many people take it very seriously, it can still be difficult to combat. As firm with a a trusted nursing home lawyer Memphis, TN relies on for their elder abuse cases, we’ve helped many families get justice. Financial exploitation of senior citizens can happen in a variety of ways. Here we offer a few of the most common examples: Example 1:A resident of a nursing home is approached by a caregiver or even a stranger and asked to sign something. The person tells the resident, “This is to give your daughter access to visit you on the weekends,” or some other similar lie.The resident, who is
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