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America’s supply chain of goods would not have survived the COVID-19 pandemic without the efforts of freight companies. These freight companies also continue to support retailers and distributors in the post-pandemic to ensure the supply chain never gets disrupted again. But as freight companies ramped up their businesses in recent years, so have enterprising thieves… Continue reading Cargo theft can lead to a felony conviction

Almost everyone borrows something from a friend or family member and forgets to return it at some point. It could be a gaming console, designer bag or kitchen appliance. It’s a simple and honest mistake that happens when life gets in the way. While it’s rude not to return borrowed property, doing so is not… Continue reading When does borrowing become stealing?

There are both benefits and drawbacks to filing for personal bankruptcy. The largest benefits include the automatic stay that puts an end to aggressive collection activity and the discharge of someone’s debts after the completion of the bankruptcy process. The downsides include the loss of revolving lines of credit as soon as someone files and… Continue reading How long can lenders see a bankruptcy on someone’s credit report?

Life these days can be very rough. Many people find that spending money on clothes, eating out frequently or finding new hobbies helps them cope with stress. It is important to prioritize self-care, but you should still be mindful of your spending habits to avoid accumulating excessive credit card debt. Living beyond your means Spending… Continue reading The little things that lead to bankruptcy

Every personal financial transaction or account requires a strict level of identification. Doing so allows institutions to dispense and manage resources for verified individuals safely. However, others could find ways to circumvent and commit crimes using the personal details of unsuspecting victims, which is identity theft. This crime happens when someone collects another person’s details… Continue reading When are identity theft offenses valid in Alabama?

When taking out some form of loan or line of credit, it will generally either be considered unsecured or secured debt. The difference between the two comes down to a simple thing: security. When signing up to a secured lending agreement you’re usually required to have collateral backing it. It can be difficult to understand… Continue reading Is credit card debt secured or unsecured?

Sometimes, life presents hardships without any warning. Other times, you may be lucky enough to know when trouble is coming your way. For example, if your boss notifies you of an impending lay-off or termination, you may immediately know you’re in trouble.  Many people wonder if they can proactively file for bankruptcy before defaulting on… Continue reading Should you file for bankruptcy before you miss any payments?

When it comes to dealing with overwhelming debt, individuals often turn to bankruptcy as a viable solution. Chapter 13 bankruptcy provides a structured repayment plan to help debtors regain control of their finances. It allows people to keep their assets while working towards repaying their debts over a specified period — typically three to five… Continue reading Can debt be discharged in Chapter 13 bankruptcy?

There’s no doubt that fentanyl has become a scourge on the country, adding to the already alarming number of drug-related deaths every year. To try to make some dent in that, Alabama lawmakers recently passed a bill, signed by the governor, that increases the criminal penalties for offenses involving the deadly drug, including mandatory minimum… Continue reading What you should know about Alabama’s new fentanyl law

You want to file for Chapter 7 bankruptcy. You know that you cannot afford the debt that you currently have on the income that you’re making. You need to clear up some of that debt and give yourself a fresh financial start. If you don’t, you worry that the debt is only going to get… Continue reading What if you make too much for Chapter 7?