By: Darrell Castle You may see commercials on TV or hear radio ads while driving about car accident attorneys who can help you when you’re injured in a car accident. What does that mean exactly? How do you know if you REALLY have a car accident case? Let’s say Tom was driving down Poplar one day to grab lunch. As he drove through the intersection at White Station, another car ran a red light and slammed into his car. Tom suffered a broken shoulder and had to be taken to the ER. He also had to have surgery and recovery time, which cost him some lost wages — or lost vacation days — at work. Should Tom be liable for
By: Darrell Castle RED ALERT! Contact a bankruptcy attorney now! You’ll never get a notification like that telling you it’s time to file for bankruptcy. However, there are signs you can look for that WILL alert you that it’s time to think about contacting a bankruptcy attorney. Red Alert Signs Again, no “red alert” will notify you that it’s time, but these signs SHOULD be treated as “red alerts” when they occur. 1. Your home is about to be foreclosed on. 2. Your car is about to be repossessed. 3. Your wages are about to be garnished. If one – or all – of those three things happen to you, contact a bankruptcy attorney IMMEDIATELY. You don’t have to lose
Take control of student loans before they take control of you and your family By: Darrell Castle Student loan debt is a prison for the whole family, not just the students. Let me tell you a story that I’ve seen play out a few times – Rachel’s parents save no money for her college education, assuming their present earnings will cover the expenses. Then, Rachel gets accepted into an expensive private school offering no financial aid and chooses it over the affordable public school offering her academic scholarships. Then, what do the parents do? They sign for Rachel’s student loans, making her promise she’ll repay them after she graduates (hint- they hardly ever do). Rachel then can’t afford her
Be practical to stay out debt By: Darrell Castle As we grow older, we need to become real with ourselves and our position in life. We need to change our values and become more practical with our finances because we have less time to recover. Basically what I’m saying is – we don’t need to spend the end of our life in debt. This week’s Miller’s Money Weekly was a good piece on our society’s obsession with having a nice car. Having the newest and nicest car is fine and all, but if you’re facing retirement and want to do so richly and comfortably, it’s probably time to give up that obsession. What is a car really other than the
By: Darrell Castle So, they say that bankruptcy will ruin your credit, huh? Tell them that Darrell told you they’re wrong. Well, don’t tell them they’re wrong, but just tell them they’re “misinformed.” You’ll be informed after reading this though. A bankruptcy DOES NOT ruin your credit score. And that’s not the right way to look at bankruptcy in the first place. Why do people file for bankruptcy? It’s because they’re behind on their bills and in debt. That means they’ve missed important payments. What’s one of the main contributing factors to your credit score? On-time payments. Therefore one would conclude that if you’re in debt, meaning you’ve missed important payments, then you’d ALREADY have a less than stellar credit
By: Darrell Castle Applying for Social Security Disability is a complex process made so much easier by hiring an attorney. If you’re medically unable then you should apply for Social Security Disability benefits. We’d love to help you with that. Call (901) 327-1212 today for a FREE appointment. Or you can fill out the form to the right to have someone from our office contact YOU.Video TranscriptDo you need an attorney to apply for Social Security Disability Insurance? 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 YES. And that is not just a self-serving answer on my part. Applying for Social Security Disability benefits
You can put a stop to the pesky calls from bill collectors By: Darrell Castle If you’re behind on your bills then you’re probably familiar with annoying and frustrating calls from bill collectors at all times of the day and night. They’ll call you when you wake up. They’ll wake you up! They’ll call you at work. They’ll call you when you’re trying to enjoy dinner with your family. They’ll call you when you’re trying to relax and watch TV. They’ll call you WHENEVER they feel like it, and they’ll do it often. Have you had enough yet? There’s a way to get them to stop. The obvious answer here would be to pay your bills. However, if you could
Do you feel like you’re just treading water every day? Most Americans live paycheck to paycheck right now. As many as 62% of families don’t have any emergency savings at all, and in some cases, even families making over $75,000 a year are struggling from week to week. Doesn’t that get old eventually? As a Memphis bankruptcy lawyer, I’ve seen so many families struggle to make ends meet. For them, one lost week of work could be a total catastrophe. A bankruptcy law firm Memphis, TN trusts, like the team at Darrell Castle & Associates, can help manage the best timing for a bankruptcy case. It should never be normal to live on the edge of financial disaster. It should
By: Darrell Castle Car repossession can’t be a fun thing to go through. You have a car because I assume you need it. Since Memphis isn’t the most walkable city, most people need their cars to get to and from work, pick their kids up from day care, go to the grocery store and more. Are you behind on your car payment? Is the repo man lurking, threatening to come and take your source of transportation away from you? What can you do? I first want to address the readers who’ll notice the headline and quickly declare, “the best way to keep the repo man from taking your car is to just pay your bill!” While I appreciate your constructive
By: Darrell Castle Don’t lose the home you love to foreclosure! This is YOUR home. This is your FAMILY’s home. Sure, you missed some payments, but even though you wished you didn’t, you have a good reason for that. Life is hard. We can live as comfortable a life as we want and think we have it all figured out. And then life throws you a curveball. For some, that curveball is a sudden job loss. For others, it’s a severe illness that keeps you in the hospital. And those medical bills aren’t cheap! Those unexpected life events result in the conclusion that you really didn’t have it all together. Maybe you lost your job. Maybe your spouse got sick