Bankruptcy doesn't have to be something bad.
It can actually be the start of something good.
Your situation is unique, and it's personal.
Your attorney should be as well.

Illegal creditor harassment

People in Birmingham who are dealing with overwhelming debts may, at some point, experience harassment at the hands of creditors attempting to collect payments. However, it is imperative that debtors learn their rights when it come to creditor harassment. In accordance with the Fair Debt Collection Practices Act, the following behaviors will not be tolerated:

  • Creditors that misrepresent themselves in any way
  • Creditors that make unnecessary or too many phone calls to debtors
  • Creditors that make real or imaginary threats to debtors
  • Creditors that speak aggressively when talking to debtors
  • Creditors that threaten to inflict damage to debtors’ property
  • Creditors that make unauthorized charges to debtors

People who believe they have experienced any harassing behaviors from creditors or collectors should understand that there are legal options available for them to protect themselves from abuse.

The lawyers of Greenway Bankruptcy Law, LLC provide legal assistance for people in Birmingham who are experiencing harassment or abuse from creditors. If you are dealing with this type of behavior, contact our legal team today by calling (205) 324-4000 to learn about our services and how we may be able to help you.

Household credit card debt on the rise

A recent study by NerdWallet has shown that credit card debt for U.S. households is on the rise once again. According to the report, the average debt, which is now $15,355, has decreased since the recession, when it was as high as $17,000 in December of 2008, but has increased since March of 2014 when it was just over $14,000. This increase is outpacing the average rise  of income by fifteen percent over the past twelve years.

NerdWallet stated that rising food and medical costs seem to be major factors in this increased credit card debt. Research also indicates that consumers attitudes and beliefs about finances can lead to crippling debt. According to Sean McQuay, NerdWallet credit expert, “People view credit card debt as a personal failing. It sends the signal that they are not able to manage finances, and finances, for better or worse, are the easiest way to gauge your success in life.”

The attorneys at Greenway Bankruptcy Law, LLC understand how devastating and debilitating this kind of heavy debt can be, and we work to help those struggling to get out from under such financial burdens explore and pursue their options. To discuss your situation with our attorneys today, call our Birmingham offices at (205) 324-4000 today.

Former Redskins player files for Chapter 11 bankruptcy

Former professional football player Clinton Portis recently filed for Chapter 11 bankruptcy in Florida after reports revealed that he was facing debts of over $2.5 million. News sources said the 34-year-old ex-Redskins star filed for Chapter 11 Bankruptcy in the Northern District of Florida on November 5.

Documents revealed that Portis has more than $1 million left on an unpaid mortgage to Residential Credit Solutions. The foreclosure process of the home which Portis built for his mother, for which there is a $920,000 unsettled mortgage, has been halted due to the bankruptcy filing. Portis, who has estimated his assets to value between $1 million and $10 million, is also seeking to be protected from his other debts, such as car loans, income taxes, credit card bills, and gambling debts.

The lawyers at Greenway Bankruptcy Law, LLC in Birmingham represent individuals who seek to relieve financial stress through bankruptcy or debt negotiation. To speak to our financial legal team today about your options, call (205) 324-4000 today.

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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

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