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Rogers Bankruptcy Law Blog

Bankruptcy is a sound financial decision for some individuals

Personal bankruptcy is a good tool that you can use if you find that you are in debt that you won't be able to repay. There are many benefits to this, but some people worry about how it will impact their creditors. The fact is that creditors might lose money when you file for bankruptcy, but it may be a lot less than what they would spend to try to collect money from you when you know that you aren't going to be able to repay it.

We realize that this is a difficult decision for you. In some cases, there might not be any other option that you have. It is just a matter of actually sitting down to get the case filed. We are here to help you with this so that you are prepared for what is to come. We want you to know what the process is like and how it is going to impact you.

Why is there a stigma when people choose bankruptcy?

Many people worry about filing for Chapter 7 bankruptcy. They think that it will make them look like they were simply bad with money or as if they're just trying to rid themselves of past debts without paying back what they owe.

That's not the best way to look at bankruptcy. In fact, bankruptcies are exceptionally helpful to those who have done their best to pay back creditors but who have too much debt to pay back each month. Some people may have lost jobs, while others may be struggling with medical bills or high-interest rates. Regardless of the cause, all people should have an opportunity to get a fresh start.

Impaired driving can involve alcohol, but doesn't always

Drivers who have consumed alcohol don't have a place on the road because they put themselves and others in danger. Police officers try to spot drunk drivers so they can get them off the road. Unfortunately, this means that people who haven't ever been in legal trouble might suddenly face criminal charges.

There are several things that you should know about a charge of driving under the influence (DUI). First, you can face this charge even if you haven't consumed alcohol. Other substances like over-the counter (OTC) medications and prescription drugs can all lead to your being unable to drive safely. The key is that anything that impacts your ability to make decisions and control a vehicle should be avoided if you have to drive.

Make a plan to address unexpected medical bills

Unexpected medical care is costly. You might not realize the full extent of the financial impact until the bills start rolling in after you receive the care you so desperately need. In some cases, the co-pays and deductibles that you have to pay are going to lead to financial difficulties. It is possible that you will be billed for those, but some places require them upfront.

As the bills start rolling in, you might soon realize that you can't pay them all. You have a few things that you might be able to do when this happens. One of the most important things for you to do is to review each bill line by line to determine whether there are errors or not. If you spot any incorrect charges, contact the billing agency right away to get the matter corrected.

Exemptions can help you start over with valuable property

Bankruptcy is something that no one wants to enter into initially, but this may be due to the myths that surround it. Many people think of bankruptcy as the final way to eliminate debt, but they also may believe that it will leave them destitute. This could not be further from the truth.

For example, did you know that there are many personal exemptions with bankruptcies? You may be able to keep many of the things you already own while eliminating unsecured debts. For instance, there are car or automobile exemptions that may help you protect your vehicle against a Chapter 7 bankruptcy. There is typically a cap on the value of the vehicle that is protected, but this varies by state. In some cases, the vehicle will be exempted if it's your only means of transportation.

Aggravated assault charges: Specific qualifications must exist

Aggravated assault charges must be handled carefully, so defendants should understand some of the basic points about the charge. There are many things that you need to remember if you are in this position. This charge is a step above a normal assault charge. The decision to up the charges to aggravated assault isn't one that is taken lightly. In fact, there are special conditions that must be present for a case to qualify as an aggravated assault.

One of the ways that you can face this charge is by using a weapon in the incident. This is also known as assault with a deadly weapon. It is important to note that you don't have to actually use the weapon. You can face this charge if someone has a reasonable fear for their safety due to your actions with the weapon. The weapon in question can be anything that is threatening, such as a gun, knife or even a tire iron.

Know your options for facing drug charges

Drug charges must be addressed as quickly as possible. Even if you think that you have plenty of time before you go to court, you should get started on your defense strategy as quickly as possible once you know that you are facing charges. We know that this might be a complex and difficult situation for you because of the possibility of serious penalties.

One thing that you can't do is assume that because you are facing possession charges that you should take them any less seriously than what you would if you were facing more serious drug charges. It is imperative that you review all the options that you have for your defense so that you can make decisions that are in your best interests.

Financial challenges involving credit cards require attention

Credit card debt isn't something that you should carry from one month to the next. Instead, you should try to pay the balance off every month. While it is understandable that this isn't always possible, it is a good goal to have. Of course, there is a chance that something will happen that could prevent you from being able to pay off these bills as you have in the past.

For some people, things like medical bills or layoffs get in the way of them being able to keep their perfect payment history. This is emotionally devastating and can make your finances a wreck. The recent government shutdown might have led to impacted workers facing this type of prospect.

Investing with credit is a risky behavior for consumers

Credit card debt can be something that holds you back or helps you as you improve your life. You might take on debt in the short-term to buy furniture for a new home or place your purchases on a card to reap the rewards of cash-back offers.

There are downsides to debt, though. Having debt means you have to pay it off. If you don't have enough money to do so regularly, it starts to add up. You pay interest, and the amount you owe continues to climb.

Use care this weekend to avoid drunk driving charges

This weekend is a big one for parties. For the people who plan on going out to watch the big game on Sunday, taking the time to find a designated driver or another responsible way home must be a priority now. There is a chance that you might be pulled over by police officers if you opt to try to drive yourself home after the game. This could be devastating if you have had alcoholic beverages during the evening.

We know that most people don't go to a party with the plan to drink too much alcohol to make it home safely. Unfortunately, you might not realize that you've had one too many. Once you get behind the wheel of a vehicle, the police officers patrolling might spot you and take action.