Getting a Mortgage After Chapter 13 Bankruptcy If you’ve recently completed Chapter 13 bankruptcy, you might be wondering whether you’ll ever be able to buy a home again. Fortunately, it’s absolutely possible to get a mortgage after Chapter 13 bankruptcy. With the right planning and preparation, bankruptcy can leave you better off than you were before, and with more options. Here’s what you need to know to make it happen. How Soon Can You Get a Mortgage After Chapter 13? Most people assume bankruptcy means waiting years to buy a home, but that’s not always true. If you’ve completed a Chapter 13 bankruptcy, you can often qualify for a mortgage much sooner than you might think. FHA Loans You could
I’m Facing Foreclosure – What Can I Do? When you’re behind on your mortgage payments, it can feel like you have no control over what happens next. “I’m facing foreclosure,” our clients will say with concern and dread, with no clear idea what options they have to stop it. Fortunately, if you’re in this situation, you do have legal rights. And understanding them can make a huge difference in how your situation plays out. As a Memphis bankruptcy attorney, I work with people just like you who are worried about losing their homes. Knowing your rights can give you the power to make smart choices and fight to regain some control over your situation. You Have the Right to Advance
Can You Sue for Emotional Trauma After a Spinal Cord Injury? After a spinal cord injury, the damage isn’t just physical. As we’ve seen at our firm with these extremely serious cases, spinal cord injury and emotional trauma go hand-in-hand. With these injuries, your entire way of life can change in an instant. So it makes perfect sense if you feel overwhelmed, anxious, angry, depressed—or all of the above. As a Memphis personal injury lawyer with years of experience helping spinal cord injury survivors, I want you to know: the courts recognize this trauma as well. Yes, you can sue for emotional trauma after a spinal cord injury. And in many cases, you should. Emotional Trauma Is a Real Injury
SSDI for Epilepsy: What You Need to Know Living with epilepsy can make everyday life unpredictable. For many people, it also makes it impossible to keep a steady job. If you have epilepsy that’s interfering with your ability to work, you may be eligible for Social Security Disability Insurance (SSDI) benefits. But getting SSDI for epilepsy comes with its own challenges. Fortunately, there’s a lot you can do to strengthen your claim and get the help you need. Here’s what you need to know about applying for SSDI with epilepsy, the challenges you might face, and how an SSDI lawyer can help you through the process. How the SSA Looks at Epilepsy The Social Security Administration (SSA) does recognize epilepsy
Wearing a Helmet and Your Accident Claim If you’ve been injured in a motorcycle accident, one of the first things the insurance company or other driver might ask is, “Were you wearing a helmet?” That’s because helmets in motorcycle accident claims can play an outsized role in your case. It often depends on the laws in your state. In Tennessee, it can have an impact on your personal injury claim. Here’s what you need to know about how helmets can affect your case. Tennessee’s Helmet Law In our home state of Tennessee, the law requires all motorcycle riders and passengers to wear a helmet, no matter your age. If you weren’t wearing one at the time of the accident, it
How Workers’ Compensation Fraud Can Affect Your Claim Workers’ compensation fraud is a serious issue that can harm not only the credibility of the system but also the people who really need benefits. If you’ve been injured on the job, you may know this well. Maybe people have questioned if you were really at work during your accident, or if an accident even happened at all. If you’re concerned about your claim being questioned or investigated for fraud, you’re not alone. As a Memphis workers’ compensation lawyer with over 40 years of experience, I’ve seen a variety of workers’ comp cases. And we’ve seen our fair share of allegations, too. In this post, I’ll explain what workers’ compensation fraud is,
Does My Work Need to Know If I’m Facing Wage Garnishment? If you’re facing wage garnishment, one of the first questions that might cross your mind is: Will my job find out? It’s a fair question. Having a portion of your paycheck taken to pay off a debt is stressful enough. And worrying about what your boss or coworkers might think can make it even harder. Here’s what you need to know about how wage garnishment works, who at your job is likely to find out, and what you can do to protect your privacy—and your paycheck. How Wage Garnishment Works Wage garnishment doesn’t just happen out of the blue. In most cases, a creditor has to go through several
SSDI for Multiple Sclerosis (MS): A Comprehensive Guide If you’ve been diagnosed with Multiple Sclerosis (MS) and can no longer work because of your symptoms, you may be eligible for Social Security Disability Insurance (SSDI). But as with many invisible or unpredictable illnesses, getting SSDI for Multiple Sclerosis can be a real challenge. Here’s what you need to know about applying for SSDI with MS, the common obstacles, and how a lawyer can help you build a strong case. The Disabling Impact of MS MS is a chronic disease that affects your central nervous system, including your brain and spinal cord. It can cause a wide range of symptoms, including: Fatigue Muscle weakness or spasms Numbness or tingling Vision problems
Using Black Box Data in Truck Accident Cases How does our firm use black boxes for truck accident cases? And how does it make a difference for you and your claim? If you’ve been in a truck accident, you may not realize that one of the most powerful tools for proving what really happened is hidden inside the truck itself. It’s called a black box, and while it sounds like something out of an airplane crash investigation, many commercial trucks are equipped with them too. As a truck accident lawyer who’s tackled tough truck accident cases for decades, and won, we’ve used this data with great success. So here’s how it works, how important this data can be, and why
How Bankruptcy Affects Your Retirement Accounts One of the most common concerns I hear as a bankruptcy lawyer is, “Will I lose my 401(k) or IRA if I file?” The good news is that in most cases, considering your bankruptcy and retirement accounts shouldn’t cause you anxiety. In fact, you might be much more protected than you think. Let’s break it down and talk about what’s protected, what might not be, and how to move forward with confidence. Why Retirement Accounts Matter in Bankruptcy You’ve worked hard and saved for years. Whether it’s a 401(k), IRA, pension, or other retirement plan, these accounts are your safety net for the future. The idea of losing them because of overwhelming debt can