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Rogers Bankruptcy Law Blog

Stop the vicious debt cycle that comes with credit cards

Debt isn't a pleasant place to live. While it is possible to carry a credit card balance and still be able to enjoy life, there are some instances in which this just isn't possible. The beginning of the year is one time when many people come to realize just how difficult things have gotten with their finances. If you come to realize this in the upcoming weeks, you should know that you do have options to deal with the overwhelming debt.

There are several things that filing for bankruptcy can do for you. First, you will have relief from the financial hardship that the debts have caused in your life. You might also have some relief from the stress of answering your phone because when you file for bankruptcy, you have the protection of an automatic stay. The automatic stay prevents creditors from contacting you regarding the debts.

Avoid overspending this year with these tips

The holidays are almost here, and that means lots of new gifts and items are on display at all the local shops. In 2016, 27 percent of shoppers claimed they had no budget, and another 24 percent went over their budgets. As someone who is trying to get out of debt, it's important that you understand what you can do to celebrate the holidays without going into unnecessary debt.

The best thing you can do for yourself is to avoid overspending. For some, that means staying away from sales or stores until after the holiday season. For others, developing a budget is enough. Here are a few ideas to keep your spending in check.

  • Make a plan

Drug court's role in the Arkansas judicial system

It is all too easy to think that people who do drugs should just be sent to prison. After all, that is a place where they can get clean, right? This is totally wrong. It is often possible, and sometimes easier, for people in prison to get ahold of drugs. There is a fairly good chance that going to prison isn't going to do a person addicted to drugs any good at all.

There is another option for some people who are facing drug charges in Arkansas because of addiction. There are currently 39 drug courts in this state. The exact role of these drug courts is to help people who are addicted to drugs get the help they need to get off the drugs. By doing this, the thought is that the addict will be less likely to commit crimes and return to the criminal justice system.

Find your holiday joy and avoid facing violent crime charges

Being charged with a violent crime isn't something that should be high on anyone's holiday wishlist. Unfortunately, there are some instances in which family gatherings might turn into one big argument. It is best to know your boundaries so that you can make the decision about when it is best to leave.

One thing that can spark the discord is politics. In many families, the political discussions are likely best avoided. This is especially true now that there is such a volatile situation going on. We understand that you might not be able to avoid this topic completely; however, you should remember that having to go to jail because of a fight isn't something that you want.

Credit cards make an appearance with uptick in holiday spending

It's 2017, and the economy is benefiting from something it hasn't had in years: heavy credit card use. Paying with credit cards is up eight percent since 2016. Why are so many people more comfortable using their credit this year than last?

A report from Nov. 15 suggests that there is a relatively low unemployment rate and high consumer confidence, which have combined to make Americans more likely to spend on their credit cards. Consumer confidence is, according to the news, the highest it's been in close to 17 years.

Payment plans don't always work for medical bills

Medical debt is something that you usually can't properly plan for. It just isn't possible to know when you are going to get sick or injured. This can make it financially devastating when you do have significant medical bills coming in and can't cover them. You know that you got the treatment, but you can't make money magically appear.

Having medical bills is one of the reasons why a person might opt to file for bankruptcy. Even though the situation might seem hopeless, filing for bankruptcy can actually help you to regain control over your finances.

Know your refusal rights for blood alcohol concentration testing

As the football season continues on and the winter holiday season approaches, many people are going to head out to parties. Coming home from parties might require advance planning because you might be tired or have had a few drinks.

One thing that you might not be prepared for right now is to face a drunk driving charge. If you are showing signs that you are driving drunk, a police officer might pull you over. The events after this occurs determine what fate you face.

Debts soar in the United States, with mortgages higher than ever

As someone who is struggling with debt, it's important for you to know that you're not alone. Many people in America struggle with debt every day. There is a large amount of medical debt, credit card debt, student loan debt and mortgage debt that affect people from all walks of life.

Medical debt is a major burden for a portion of Americans. According to one study, approximately 21 percent of Americans carry medical debt. This doesn't seem like many overall, but medical debt is one of the major reasons that people end up with personal bankruptcies in the United States.

You have less than two months to get ready for Christmas

You might not want to think about how close the Christmas holiday is, but it is time to start planning now. There is less than two months until the holiday that leaves many Americans in deep credit card debt.

The desire to buy presents for loved ones and friends during the holiday season is what leads many people to use credit cards. It just seems easier to swipe the plastic at the register than it does to have to pay with cash. This might lead you to spend more than what you originally planned.

Explore every defense avenue when facing a violent crime charge

Violent crime charges often come with time in prison when a person is convicted. Anyone who is charged with this type of crime has the right to get a defense together against the charges and work to present it during a trial before a jury of peers.

There are many different things that can impact the defense strategies that you choose in these cases. These usually hinge on the circumstances of the crime and what happened. You have to look into all of this and determine what you plan to do.