• FCC Cracks Down on Robo-Calls

      The Federal Communications Commission (FCC) has proposed an $82 million fine against a man who has allegedly made millions of automated sales calls. The FCC has accused Philip Roesel and Best Insurance Contracts dba Wilmington Insurance Quotes, of violating the Truth in Caller ID act. According to the FCC, Roesel and his company made 21 million automated calls, also known as ro ...

      Kathryn Davis/ Bond and Botes- 27 readers -
    • Throw Those Bags of Failure and Regret Overboard

      Okay. So here we are. Another new year and many of us hear all the noise in our minds about what it’s going to take to make this year the most successful year ever! BUT…….sometimes we can’t get past the louder noise in our minds…..all of the failures and regret from last year and years before. We all have a tendency to rehearse over and over again where we missed it or came up short.

      Amy Tanner/ Bond and Botes- 25 readers -
    • Payday Loan Amendment Bill Introduced to Alabama Legislature to Cap Interest at 36%

      According to a recent article by the Montgomery Advertiser, 45 Alabama legislators are pushing a bill that would give the power to the people of Alabama to vote on whether payday loan interest rates in Alabama should be capped at 36% Interest Rates Out of Control A bi-partisan group of legislators and payday reform advocacy groups gathered at the Alabama State House last Tuesday to introduce the.

      Grant Mcnutt/ Bond and Botes- 27 readers -
  • Epilepsy and Social Security Disability Claims

    I have seen a number of variations of what I broadly refer to as “seizure disorders” over the years of my SSA disability practice. Whether emanating from some malformation in the brain, a traumatic brain injury or epilepsy, etc., these ailments can have a devastating effect on a person’s employ-ability through no fault of their own.

    Bond and Botes- 6 readers -
  • Are You A Part of the $1 Trillion Debt?

    Three days ago, Yahoo News reported on Americans’ love of their plastic. According to the story, the Federal Reserve reported that consumer credit card balances jumped 13% in November of last year. That means that Americans’ credit card debt now exceeds $1 trillion. How much is that? Well, let’s say you had $1 trillion in cash money in your basement (lucky you! Right?).

    Ed Woods/ Bond and Botes- 5 readers -
  • It Might Be Time for a Chapter 13

    One of the most common ways to pay off accumulated medical bills and credit card debt is to take a home equity line of credit, or HELOC, on your home. According to a recent CNBC article by Diana Olick, homeowners are sitting on trillions of dollars in cash. How Is This Possible? In the third quarter of 2017, the amount of equity homeowners reached was at an all-time high of $5.5 trillion.

    Bond and Botes- 10 readers -
  • Recap: Retailers That Filed Bankruptcy in 2017

    As we begin 2018, we cannot help but be reminded of some of the 50 retail chains that filed for Chapter 11 bankruptcy in 2017. The list includes: Gander Mountain In March 2017, Gander Mountain filed bankruptcy. In May 2017, its assets were sold to Camping World. The company will now be known as Gander Outdoors, and several of the Gander Mountain stores that were closed have bee ...

    Mary Pool/ Bond and Botes- 9 readers -
  • Financial Resolutions for the New Year

    Taking control of your finances is extremely liberating. This is the time of the year when people set financial goals for the year. Here are some of the more popular financial resolutions and some tips for meeting your goal. Common Financial Resolutions (And How to Achieve Them) Save More Money If your goal is to save more money this year, there are a couple of ways to make sur ...

    Kathryn Davis/ Bond and Botes- 10 readers -
  • Is the New “Payday Loan” Lending Model Still Predatory?

    The pressure on the payday loan industry resulting from heightened attention on its predatory lending methods is causing a new metamorphosis in the industry. This time, the industry has lured a bi-partisan effort in Congress to assist it. Not much gets done in Congress these days in a bi-partisan fashion, so it is disappointing to see our lawmakers falling victim to this scam a ...

    Bond and Botes- 10 readers -
  • How to Choose a Bankruptcy Attorney & Why a Face-to-Face Consultation Is the Best

    Making a decision to seek bankruptcy advice is usually something a person puts a lot of thought (and worry and sleepless nights) into beforehand. Finding reputable and knowledgeable counsel is a must to ensure your bankruptcy is successful. You can’t always believe what you read about bankruptcy on the internet. Also, much of what you may find on the internet will not apply to you.

    Amy Tanner/ Bond and Botes- 13 readers -
  • Millennials Are Struggling with Health Care Costs

    More than half of Millennials, 57 percent, say they have little to no understanding of how out of pocket health costs such as co-pays, deductibles and co-insurance work, according to a new report from consumer credit firm TransUnion. By contrast, about 40 percent of baby boomers admit to limited knowledge about their benefits.

    Grant Mcnutt/ Bond and Botes- 15 readers -
  • Episode 26 – Next Lawyer Up with Ron Sykstus featuring Clint Butler

    This episode of the Next Lawyer Up podcast features attorney Clint Butler This is an interesting podcast to me because I first met Clint Butler several years ago through his oldest son, Hunter. Hunter played football for me in a youth football league along with my middle son, Tom. Hunter was a tough, confident, smart and perceptive kid as a 7 year old as was his little brother Alec.

    Ron Sykstus/ Bond and Botes- 13 readers -
  • Tax Reform and Millennials

    The last tax reform plan passed about 30 years ago, which is how old many of us millennials are today. Considering tax reform only comes along so seldom, I thought it appropriate to pick up on an article from CNN Money and lay out the provisions from the new tax law that will affect millennials through much of our working lives.

    Bond and Botes- 16 readers -
  • Is a Credit Report Error Dragging You Down?

    With everything we all must worry about these days, it’s easy to avoid thinking about what is on your credit report. You may even wonder if you need to worry about it even if you aren’t in the market to borrow money for a car or a home. The answer is yes, you do. Aside from preventing you from obtaining a loan for a big-ticket item, credit report errors can cost you a job or ca ...

    Ed Woods/ Bond and Botes- 17 readers -
  • Timing Is Everything: The Means Test

    If you are contemplating bankruptcy, you may have searched the topic on the internet and seen something called the “Means Test”. For in-depth information on the Means Test, you can visit The United States Department of Justice’s website. What Is the Means Test? In 2005, Congress added the Means Test to all bankruptcy filings in an attempt to discourage people from filing for Chapter 7 bankruptcy.

    Bond and Botes- 14 readers -
  • Consumer Advocacy Groups Sounding the Alarm Over Unexpected Ambulance Bills

    Just how much do you think an ambulance ride to the hospital costs? Take a guess and then increase it by a lot. In a recent Washington Post article, Melissa Bailey delves into what is increasingly becoming a problem for consumers everywhere—the unexpected cost of routine ambulance trips. A common problem that I see with potential clients and those that I go on to represent is medical bills.

    Bond and Botes- 20 readers -
  • Protecting Your Credit and Debit Card Information

    With the holidays creeping around the corner, many of you may be rushing to make your last minute purchases online. As you do so, it is important that you protect your credit information from unprotected sites. If you have recently searched for an item, you may see ads for that item showing up on sites that you visit.

    Mary Pool/ Bond and Botes- 12 readers -
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