A. Cooper Attorney at Law LLC

Mobile Legal Issues Blog

Is Chapter 7 bankruptcy better than Chapter 13?

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 debt.

Chapter 13 and Chapter 7 bankruptcy are two options available for residents of Alabama. One type of bankruptcy is not necessarily better than the next; it simply depends on the details of your financial situation. Knowing which one to choose can ensure that your efforts to overcome your debt are as effective as possible.

Do product liability claims cover manufacturing defects?

Product liability claims built around defective products offer victims several different approaches including design defects, manufacturing defects and warning defects (incorrect labeling). This post will discuss manufacturing defects and how victims in Alabama can pursue and find a successful legal solution.

It is important for injury victims to understand that the best path to a winning claim involves seeking guidance from an experienced injury attorney. This is the best way to know that you can stand up to any challenges posed by the manufacturer of the product that harmed you.

What causes the most car crash deaths in Alabama?

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 in the nation works to uncover the main reasons why collisions occur. This information is vital in creating awareness campaigns to increase road safety.

Most current awareness campaigns focus on accident causes such as drunken or distracted driving. While these are certainly attention-worthy, it might surprise you to know that speeding is actually the top cause of vehicle accident deaths in Alabama. By looking at this bit of data logically, you can safely assume that speeding also leads to accidents in which victims suffer severe personal injury. To clarify how serious speeding is, take a look at the following 2017 Alabama crash facts.

  • Speeding accounted for 16.10 percent (138) deaths
  • Drunken driving accounted for 10.50 percent (90) deaths
  • Running a vehicle off the road accounted for 9.45 percent (81) deaths
  • Failure to yield the right-of-way accounted for 6.53 (56) deaths
  • Incorrect lane changing and/or lane usage accounted for 5.25 percent (45) deaths

Chapter 13 bankruptcy and its many benefits

Once you have decided that bankruptcy is your best chance of overcoming your debt, you still have another decision to make. You will have to choose which form of bankruptcy best meets your needs. This decision may be difficult unless you are already well-informed about the different options available in Alabama. The two most common forms to choose from include Chapter 7 and Chapter 13 bankruptcy.

First, we want you to understand that you do not have to make these important financial decisions on your own. Many people find it helpful to work with an attorney when filing. This is beneficial because it provides you with current and comprehensive information about each type of bankruptcy. In this blog post, we hope to give you a helping hand with your decision by discussing the benefits of Chapter 13 bankruptcy. We will tackle the benefits of Chapter 7 in a separate post.

  • Chapter 13 gives you flexibility in how you manage your payments while allowing you to keep some of your property.
  • Choosing Chapter 13 puts an immediate stop to the often-aggressive collection attempts from your creditors.
  • You can file a Chapter 13 bankruptcy repeatedly, which means that if a disaster strikes and places you back in debt, you may file again.
  • Under Chapter 13 bankruptcy, you do not have to lose your property as long as you make your payments according to schedule.
  • This form of bankruptcy enables you to avoid losing your family's home.

Useful tips when applying for Social Security Disability

When an unexpected injury or illness strikes, it can have a profound effect on your entire life. Your finances, in particular, will likely suffer as you struggle to pay your medical expenses while providing for yourself and your family. Even with significant savings, you may discover that you do not have enough to make ends meet.

One solution that might be right for you is applying for Social Security Disability (SSD) benefits. You can do this without an attorney, but most Mobile residents find the process easier to navigate with help from an experienced legal representative. If you are anticipating the need to apply for SSD, the following tips can help you prepare until you feel it is time to seek legal counsel.

Product liability issues which may affect you and your home

When you purchase home equipment and supplies, do you ever stop to wonder if the products freely-supplied on the store’s shelves are safe for use around your children? Don’t be too trusting. There are many “safe” products which could cause damage to you or your family.

You hope companies are selling you products which they have proven to be safe. Yet, the United States Consumer Product Safety Commission (CPSC) recalls products daily throughout the United States.

Revolving credit card balances up in the U.S.

A recent study points to it being common these days for American households to carry pretty hefty credit card balances month to month.

According to the study, by NerdWallet, the average amount of revolving credit card balances for U.S. households in late 2018 was $6,929. The study also found the total amount of revolving credit card balances in the U.S. to be around 5 percent higher in late 2018 than was the case a year ago.

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A. Cooper Attorney at Law LLC

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3929 Airport Blvd.
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Mobile, AL 36608

Phone: 251-300-2220
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