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Rogers Bankruptcy Law Blog

Don't be tempted by illegal ways of paying off credit card debt

Most people who are in debt due to credit cards don't think about turning to illegal methods to pay those debts off. One thing that many people want to do once they realize that their debts are overwhelming is to pay them off as quickly as possible.

In your quest to get money fast, don't fall into thinking that illegal activities are the way to go. The issue here is that even if you do get your debts paid off, you will likely incur even more debt while you are trying to fight the criminal charges that can come with these activities.

Gun violence is a huge problem in this country

Some people wonder why a country that gives its citizens the constitutional right to bear arms would have such strict gun laws. The short answer to this is that there is a need to balance these rights with public safety. For example, a person who commits murder using a gun probably wouldn't be a safe person to give a gun to.

Gun violence in this country is a big problem to say the least. As such, government entities have gone to some extremes to take a hard stance against gun crimes. People who violate gun laws face some severe penalties, so if you are in this boat, it is time for you to start working on your defense against the charges.

What are some good ways to reduce credit card debt?

There are many ways that you can reduce your credit card debt. In fact, making payments is not the only way to reduce your debt. There are a few other things you can try.

First, you need to think about how much debt you have. If you think that you have $10,000 but actually have $25,000, that can hinder your ability to pay it back quickly. This is why it's important to know how much that you have exactly. Be honest with yourself.

Determining how long bankruptcy will take

There are many questions that come up when you are considering filing for bankruptcy. One big question is how long the process will take. This isn't something that can be answered definitively because it depends on several factors.

Two of the primary factors to consider when you are trying to determine how long a bankruptcy will take are the type of debt and the amount of the debt that are part of the case. This, as well as the saturation of the court where you file, can affect how long it will take.

Know the drunk driving laws when visiting Arkansas on vacation

If you are heading to Arkansas for vacation, you need to learn about the laws here to make sure that you aren't breaking them. Just being a visitor isn't a defense against criminal charges, so don't think that ignorance is the defense option that will work for your case.

This advice is something that is important no matter where you are going on vacation. You have to remember that laws vary from one state to another and you are expected to follow the applicable laws where you are now.

Is bankruptcy an alternative to foreclosure?

Although bankruptcy is sometimes seen negatively, if you're facing foreclosure, it could be one way to stop that process and to save your home. It's a fact that many people in America fall behind on their mortgage payments. There was the recession, and now people are finally trying to get caught up.

For those who were unable to work out modifications or a short sale, a foreclosure may be looming. Fortunately, that process takes time, which means you have time to find a solution to your problem. That solution may be bankruptcy.

Bankruptcy isn't the easy way out of debt, so don't feel bad

The reasons why someone might consider bankruptcy can vary greatly. The point that matters in all of these cases is that they realized that they were in debt way over what they could reasonably handle. In this case, using bankruptcy is a responsible thing to do.

We know that many people who file for bankruptcy might not feel all that responsible. It is important to realize that almost all bankruptcy cases stem from something that wasn't in the filer's control.

Know how to spot debt collector harassment

Having to deal with bill collectors isn't on the top of anyone's list of fun things they can do during the day. There are some specific points that anyone who has to deal with debt collectors should know so that they can determine when legal attempts to collect a debt turn into harassment.

All debt collectors are bound by the Fair Debt Collection Practices Act. This act does more than just make sure that debt collectors are fair. It also sets some very specific guidelines for what debt collectors can and can't do.

Get ready for those 4th of July parties, find a designated driver

The Fourth of July holiday is just around the corner, which means lots of patriotic parties will occur over this coming weekend. If there is alcohol at these parties, now is the time to make plans that enable you to make it home safely after the party. This can be anything from finding a designated driver to finding out if a social host will allow you to sleep off the booze before you drive home.

We know that there are some instances in which you might be forced to drive home. In these cases, you have to be very careful about what you do. There is usually an increase in patrols around the holidays, so there is a chance that you will be stopped if you are showing signs of drunk driving.

What are Arkansas's DUI penalties?

You got behind the wheel feeling perfectly fine, but when you were pulled over moments later, the officer claimed you were swerving in your lane. Now, you have to decide if you'll take a Breathalyzer test to prove that you're not driving drunk.

Arkansas has an implied consent law, which means that you agreed to the analysis of your blood, urine or breath to determine your blood alcohol concentration (BAC) as of the moment you got behind the wheel. If you refuse, you could lose your license and the right to drive.