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Rogers Bankruptcy Law Blog

Bankruptcy filing and discharge require specific courses

Many people still think of bankruptcy as an easy way out of debt. These individuals don't realize that there are specific educational requirements that must be met throughout the bankruptcy case. People who don't go through the appropriate sessions won't be able to have their bankruptcy discharged by the court.

Before you even file, you have to complete credit counseling. You will work with a counselor who will review your finances and determine what options you have for handling the debts. The purpose of this is to determine if there is a way that you can repay your debts that doesn't involve having to file for bankruptcy. The agency that you use for credit counseling must be approved by the bankruptcy court, so you must verify this before your first session.

DUI charges can include other charges based on situations

Driving drunk is something that can lead to criminal charges, but there is a chance that you will face more than just drunk driving charges depending on the situation. If you are involved in a drunk driving accident, you might face various charges based on that accident.

We understand that this is a difficult situation to face. The worst thing that you can do when you are facing charges stemming from a drunk driving crash is ignore the charges that you are facing. Instead of trying to ignore the charges, you need to take the time think about your defense.

New changes could help reduce the impact of medical debts

If you're struggling to get your credit on track, one of the things you may be frustrated with is the fact that medical bills can impact your credit so much. One missed bill can cause your credit score to drop significantly if it goes to collections.

What can you do if that happens? Most people assume paying the debt is the only option, and so they struggle or determine bankruptcy is the best choice. Fortunately, changes in law have made that less necessary.

Commercial drivers are subject to strict drunk driving laws

Drunk driving regulations are strict in all cases, but they are even more so for people who hold commercial driver's licenses. Drivers who are at or above the legal drinking age have a blood alcohol concentration (BAC) limit of .08 percent, but the limit is much lower for commercial drivers.

The Federal Motor Carrier Safety Association (FMCSA) sets the standards for the BAC of commercial drivers, so states don't have free reign here. The limit for these drivers is .04 percent. This is a much lower limit than other drivers, but it is set this way for a good reason.

Even small issues can lead to problems repaying debts

The Christmas season is fast approaching. Some people might decide that they can't save enough money to pay for the gifts that they need. They might end up using credit cards to pay the bills. This is something that can be a good thing if they pay for those bills as they come in or a bad thing if the credit card debt is suffocating.

We understand that people get into debt for a variety of reasons. Most people who have debt pay for those debts as best as they can, but in some cases, one medical issue or something similar might cause you to have an issue with paying those debts.

What are some fast ways to get out of debt?

As a teen, you didn't understand how much trouble you could get into with debt. You bought items here and there, always paying the minimum on what you owed. Now, the limits on your cards have climbed, and you owe more than ever.

Credit card debt can become overwhelming, but it's important to remember that there are ways to get ahead of it. Whether you decide to take a drastic route to eliminate debt or pay it down over time, you can get out from under the oppression of living in debt.

Always use credit cards responsibly to avoid problems

Using credit cards to pay for purchases is something that many people do without another thought. While this isn't an issue in and of itself, there is a potential for it to become an issue.

Some people don't realize that the key to using credit cards to pay for items is that the credit cards must be used in a responsible manner. You can't just charge everything without thinking about how you are going to pay the bills.

What do I need to know about pot laws in Arkansas?

Some Arkansas residents mistakenly believe that marijuana is now legal in the state, but you can still get busted for its recreational use. It's important to understand that distinction, as last year, Arkansas voters passed a referendum allowing the use of marijuana as treatment for certain conditions.

The Arkansas Medical Marijuana Amendment, or Issue 6 as it was often called, was added to the state's constitution. Its passage paved the way for establishing and regulating cultivation facilities and dispensaries that sold the plant to patients suffering from 17 specific conditions, including those listed below:

  • Hepatitis C
  • HIV/AIDS positive status
  • Amyotrophic lateral sclerosis (ALS)
  • Glaucoma
  • Cancer
  • Crohn's disease
  • Ulcerative colitis
  • Post traumatic stress disorder (PTSD)
  • Tourette's snydrome
  • Fibromyalgia
  • Severe arthritis
  • Alzheimer's disease

Is bankruptcy ever the best option?

Bankruptcy can sometimes be a good option. Even though bankruptcy is seen primarily negatively in the media, it isn't actually all bad. Bankruptcy can be the best option for various people in different circumstances.

Credit companies often state that bankruptcy is one of the worst things you can do for your credit, and that's partially true. There is nothing that damages your credit score quite as fast as going through bankruptcy. However, if you don't take a bankruptcy, it's still possible to damage your credit severely.

Deal with drug charges with avoiding future trouble in mind

The effects of using drugs can impact every aspect of your life. We recently discussed how it is possible to face criminal charges if you get caught driving with drugs in your system. This is only one of the possibilities you face if you do drugs.

We know that you might be upset about the fact that you are facing drug charges. We can't take the charges away, but we can help you determine what options you have for dealing with them.