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
In this video, Memphis medical malpractice lawyer Darrell Castle discusses what makes a successful medical malpractice case. He gives you an idea of all the elements a medical malpractice attorney needs to argue your case and get the compensation you need after a medical malpractice injury. If you’ve been injured by medical malpractice, you should discuss your situation with a qualified attorney. Contact us today to get started. The conversation is completely free. Darrell Castle & Associates has hospital injury lawyers Memphis, TN trusts to help those who’ve been seriously injured while seeking medical care.
Bankruptcy & Employment Your employer CAN’T legally fire you or let you go if you file for bankruptcy – it violates anti-discrimination laws. The only exception to this rule is when the job requires a security clearance or something like that. It’s very common for clients to be concerned about losing their job if they file for bankruptcy. They shouldn’t be nervous though, for a couple of reasons. Most employers have dealt with this before or are prepared to do so, especially the bigger companies who have human resources systems in place for dealing with it. Unless you tell your employer, there’s no other way for them to find out about it. The courts don’t report to your employer unless
Retirement Plans and Getting Rid of Debt While bankruptcy can have its disadvantages, you may not need to worry about your retirement plan. As part of the Bankruptcy Abuse Prevention and Consumer Protection Act passed in 2005, many retirement plans can be exempt from creditors when you file bankruptcy. If you are in a copious amount of debt, credit collectors are harassing you, or you are being threatened with a lawsuit, you should call a top liquidation lawyer Memphis, TN has to offer for further advice. Bankruptcy and Your IRA In the case of an IRA (individual retirement account) a little over $1 million in either an IRA or Roth IRA will be exempted automatically through bankruptcy and
By: Darrell Castle Many people assume that filing for bankruptcy will hurt their credit. In most cases, that’s just simply not true. Will a bankruptcy go on your credit report? Yes. But was your credit good before you filed for bankruptcy? No, it probably wasn’t. Why do people file for bankruptcy? Because they have debt they can’t pay. And how do people find themselves in debt? They missed payments on important bills and fell behind. With the above being true, since one of the biggest factors in determining your credit score is on-time payments, wouldn’t those missed payments that got you into the debt you’re currently in actually HURT your credit score? Yes. In most cases, filing for bankruptcy neither
By: Darrell Castle You should NOT talk to the other driver’s insurance adjuster without an attorney when you’re involved in a car accident. The insurance adjuster may try to manipulate you – in subtle ways – to say something that will potentially cost you a lot of money. You need an attorney to advise you about what you should – and shouldn’t – say. If you’re injured in a car accident that wasn’t your fault, this rule is especially true. The other driver’s insurance company may seem caring and ask you something like, “Are you okay?” A reply back as simple as “Yes, I’m fine,” could really hurt any potential personal injury claim you may file. Then you could be
Last week Shelby County Commission members cast preliminary votes on an ordinance to establish minimum standards of care for pets. The ordinance would provide regulations for adequate food, shelter, and health-related treatment of domestic animals.Regardless of your view on the law itself, one thing is certain: happier pets mean safer people. When pet owners refuse to take proper care of their dog or cat, they break a trust with the animal. As a result, any breed can become defensive or frightened – wondering if and when it will get attention or have its needs addressed. A neglected animal does not always behave violently, and violent animals have not always been neglected. But in general, dogs that face hunger, loneliness, uncomfortable
By: Darrell Castle If you’re injured in a car accident on an icy street and it wasn’t your fault, or you aren’t sure whose fault it was, you should speak to a car accident attorney immediately. Mid-south residents woke up Thursday morning to snow and ice in their driveway and on the streets. And, as it typically tends to, it’s caused some havoc on the roadways as people commute to work and take their children to school. Some examples: One man died after being ejected from his vehicle during a car accident on Bill Morris Parkway, an icy sheet of road this morning. Northbound I-240 was shut down at Lamar Avenue after a 10 car accident caused major cleanup. Multiple