Alternatives to Chapter 13 bankruptcy

Posted by Angelique CooperOct 22, 20190 Comments

Struggling with large amounts of debt can be overwhelming, and it is a reality that an increasing number of Americans are facing today. In fact, the New York Fed reports that total U.S. debts are steadily increasing, with mortgage balances rising by $162 billion in just the second quarter of 2019...

How can I make my home safe on Halloween?

Posted by Angelique CooperOct 18, 20190 Comments

Halloween is a fun night for kids and adults alike. Handing out candy to neighborhood children can be a real treat, provided you take the proper steps to ensure their safety. Consumer Affairs offers some advice on how you can make sure your property is ready for the hordes of trick-or-treaters. M...

How does SSDI work?

Posted by Angelique CooperOct 16, 20190 Comments

If you receive a workplace injury in Alabama that causes you to become disabled, you will be able to get Social Security Disability insurance benefits if you meet the eligibility requirements. The same holds true for a disabling work-related illness. The National Academy of Social Insurance sets ...

How do I improve my credit after bankruptcy?

Posted by Angelique CooperOct 01, 20190 Comments

Dealing with a Chapter 7 bankruptcy can be stressful, and thousands of people in Texas go through it every year. While dealing with a bankruptcy is stressful, dealing with the aftermath can also be difficult. Depending on circumstances, it is possible for a Chapter 7 bankruptcy to stay on your re...

Auto collisions and addiction

Posted by Angelique CooperAug 31, 20190 Comments

Many people know that addictions take various forms, and some can lead to a motor vehicle wreck. For example, those who are addicted to alcohol or drugs (including prescriptions) may be more likely to collide with another vehicle. However, some people neglect to realize that not only can addictio...

Facts about brain injuries that everyone should know

Posted by Angelique CooperAug 05, 20190 Comments

Many people in Alabama have probably experienced a bump on the head that left them feeling disoriented or dazed, or that resulted in a lingering headache. Although individuals under the age of 18 and over the age of 65 are most at risk for a traumatic brain injury, particularly from a fall, the C...

What are work credits?

Posted by Angelique CooperJul 19, 20190 Comments

To get Social Security benefits, you need to accumulate work credits in Alabama. For Social Security Disability benefits there is a strict requirement for the number of credits you have to have to qualify to receive benefits. According to the Social Security Administration, work credits add up on...

What is the means test?

Posted by Angelique CooperJul 03, 20190 Comments

Filing bankruptcy is often a difficult decision to make. However, it can be the best one because it can help you get control over your debts and start fresh. Many people in Alabama immediately think about filing Chapter 7 bankruptcy. This allows you to settle debts and only pay what you can affor...

Your work does not have to end with SSDI

Posted by Angelique CooperJun 21, 20190 Comments

Social security disability benefits allow Alabama workers to receive Social Security retirement benefits early due to a disability. To qualify for these benefits, you have to prove that you cannot engage in an activity that supplies a substantial income. In addition, your condition has to limit y...

What is a hardship discharge?

Posted by Angelique CooperJun 13, 20190 Comments

If you decide to file bankruptcy in Alabama, you first have to decide which type to file. If you have enough income, then you can file Chapter 13, which is a repayment plan. You create a plan to pay back your creditors. You will not always have to pay the full amount, but you will pay at least so...

What is a disability according to the SSA?

Posted by Angelique CooperJun 03, 20190 Comments

If you want to get benefits from the Social Security Administration, then you must first understand what constitutes a disability. Not every injury or health issue will allow you to qualify for these benefits. The SSA has strict guidelines that explain what a disability is and whether it qualifie...

What debts can I not get rid of through Chapter 7?

Posted by Angelique CooperJun 03, 20190 Comments

When you get into a situation where your debts are uncontrollable, you may wish to file Chapter 7 bankruptcy in Alabama. While many of your debts, such as car loans and credit cards, will be claimable in your bankruptcy cases, there are other debts you cannot claim. These debts are typically thos...

Paying for a Chapter 7 bankruptcy

Posted by Angelique CooperJun 03, 20190 Comments

You are feeling overwhelmed by debt, and a Chapter 7 bankruptcy seems like a good option for finding relief. Filing for bankruptcy costs money, though. How will you pay for it? Stop paying on your debts NerdWallet, a company that provides financial education for consumers, explains that you may b...

If your SSDI claim has been denied

Posted by Angelique CooperJun 03, 20190 Comments

At the law firm of A. Cooper Attorney at Law LLC in Alabama, we understand that sustaining a disabling injury or condition can be devastating on its own. If you received a denial letter after you applied for benefits, the financial problems in addition to your physical challenges may leave you fe...

Can your employer fire you for filing bankruptcy?

Posted by Angelique CooperJun 03, 20190 Comments

Imagine a situation where your finances are a mess. You have serious debt issues, and despite trying your best to pay off your debts, you are in over your head. There is no way you will be able to pay off your debts, so you make the decision to file for Chapter 13 bankruptcy in Alabama. The next ...

Alabama Lemon Laws/Buyer Beware

Posted by Angelique CooperMay 02, 20190 Comments

Recently, I was on Facebook and a person was complaining because they had purchased a used vehicle at a “buy here, pay here” establishment.  Just days after taking the vehicle home, it began experiencing serious problems.  This young person had put a sizeable down payment on the vehicle and signe...

Does your employer offer debt solutions?

Posted by Angelique CooperMar 20, 20190 Comments

Though these options can be extremely beneficial for employees, the adoption is still relatively low. A survey by the Society for Human Resource Management shows 11 percent of businesses now offer pet insurance, while just 4 percent have student loan assistance options. If you are struggling with...

Is Chapter 7 bankruptcy better than Chapter 13?

Posted by Angelique CooperFeb 26, 20190 Comments

In a best-case scenario, you will never need to file any sort of bankruptcy. However, few things in life follow a best-case scenario, especially when it comes to one's financial situation. As you know all too well, unforeseen events or obstacles can arise to leave a person struggling to overcome ...

What causes the most car crash deaths in Alabama?

Posted by Angelique CooperJan 31, 20190 Comments

As you undoubtedly know, car accidents occur for a variety of reasons, leading to personal injury and death for innocent victims. In the aftermath of these crashes, victims face many hardships from pain and recovery time to extreme financial loss. In an effort to reduce car accidents, each state ...

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