• How Does Chapter 13 Bankruptcy Work?

      How Does Chapter 13 Bankruptcy Work? Posted on Aug 26, 2016 By Ed Woods August 26, 2016 by Ed Woods One very powerful remedy that financially strapped consumers have is a discharge pursuant to Chapter 13 of the federal Bankruptcy Code. Chapter 13 bankruptcy is so named because it is Chapter 13 of Title 11 of the United States Code.

      Ed Woods/ Bond and Botes- 38 readers -
    • Finance Tips for High School Graduates

      I have many friends who are watching their kid’s graduate high school this year. Our turn will be next year and the thought of sending our daughter away from us to attend college is exciting but sad. I remember when I moved away from home and the temptations of being my own “boss” was liberating and yet frightening.

      Mary Pool/ Bond and Botes- 33 readers -
    • Dealing with Financial Issues and Security Clearance

      One of the topics that gets a great deal of views at our blog is the affect of the filing of a bankruptcy on a security clearance. I have handled all facets of security clearance issues from initial SF 86 concerns through administrative appeals at the Department of Hearings and Appeals (DOHA) level through appeals to the DOHA Appeal Board.

      Ron Sykstus/ Bond and Botes- 31 readers -
  • Security Clearance Applications (SF 86) – Full and Complete Disclosure is Required!

    For anyone who was ever held a security clearance, he or she knows the importance of full and complete disclosure on the SF 86 form, which is the application form to be able to get a clearance. That is why this story is shocking. Beyond that, before anyone who holds a secret clearance, there is a new formal investigation and a new completed SF 86 form that is required every 10 ...

    Ron Sykstus/ Bond and Botes- 6 readers -
  • Are you Getting Unwanted Calls and Texts to Your Cell Phone?

    Is it just me or does it seem like calls to your cell phone are exploding in volume? I am probably getting five or more unsolicited and unwelcome calls each day trying to sell me items and services that I do not need nor do I want! I feel like I am under assault! Given the fact I know the law in this area, I thought I would share some ways we can help when you are getting this same type of telep.

    Ron Sykstus/ Bond and Botes- 7 readers -
  • Time for a Financial Spring Cleaning!

    Many of us tend to forget that our personal finances need cleaning and attention just like our homes and lawns. Spring is an excellent time for a financial evaluation! Take Stock of Your Financial Situation Now that the expenses of the holiday season and tax time are behind us, I recommend everyone take stock of his or her financial situation over the past year.

    Nick Gajewski/ Bond and Botes- 8 readers -
  • What are Living Trusts?

    The word Trust is defined as a firm belief in the reliability, truth, ability or strength of someone or something. Common synonyms are confidence, belief, faith, certainty, assurance and reliance. The type of Trust (Living Trust) I am going to be discussing today falls into the something category. There are only two (2) types of Trusts, either revocable or irrevocable.

    Grant Mcnutt/ Bond and Botes- 12 readers -
  • Medical Debt Collection Affects Millions of Americans

    Every day, people come to our offices seeking relief from debt collectors. Millions of Americans are contacted by debt collectors each year, many related to medical expenses. In fact, survey results from a January 2017 Consumer Financial Protection Bureau (CFPB) study show that more than 40 million Americans are contacted each year about medical related debt.

    Kathryn Davis/ Bond and Botes- 9 readers -
  • Episode 11 – Next Lawyer Up Podcast with Ron Sykstus featuring Gary Conchin

    This episode of the Next Lawyer Up podcast features attorney Gary Conchin. Gary’s name is synonymous with great lawyering. In addition to his legal acumen, Gary is as down to earth and easy going as they come. He is very easy to talk to which makes it no wonder why he always has a multitude of people seeking his representation.

    Bond and Botes- 7 readers -
  • Subprime Auto Loan Crisis Looming

    Several weeks ago, I wrote on the possibility of another subprime mortgage crisis. Now, it appears that subprime auto loan defaults are nearing crisis levels. According to a Morgan Stanley research booklet, finance providers and the consumer debt market as a whole should take note that auto delinquency and default rates are on the rise.

    Bond and Botes- 10 readers -
  • How a Bankruptcy Started With a T-Shirt!

    Why do clients end up in my office every day? Today, a client told me it started innocently with a t-shirt. He was in college and offered a credit card with a $200 limit. How much trouble could he get into with that small of a limit? Well, about twenty years later, that credit card debt grew and grew and snowballed into a lot more.

    Gail Donaldson/ Bond and Botes- 9 readers -
  • Will Filing Bankruptcy Effect Your Immigration Status?

    The Federal US Bankruptcy Code section 525 (a) prevents the government from discriminating against a person for filing a bankruptcy petition. This section establishes the following (in part): “a governmental unit may not deny, revoke, suspend, or refuse to renew a license, permit, charter, franchise, or other similar grant to, condition such a grant to, discriminate with respec ...

    Bond and Botes- 14 readers -
  • Wells Fargo Compensation Claw Back Largest in History

    In a scathing 113-page report, released last Monday, Wells Fargo’s Board of Directors described its former chief executive as a tone-deaf leader who protected an irresponsible lieutenant and worked for board members who didn’t keep the pair in check. According to The New York Times, the report stated that then Chief Executive John Stumpf and then lieutenant, former retail-bank ...

    Bond and Botes- 10 readers -
  • Good Ways to Spend Your Tax Refunds

    Did you receive a tax refund this year? How did you spend it? The average refund this year is approximately $3,000.00. A recent article from CNBC offers advice on how we should spend our refund. They offered a list of nine ways to get the most out of your 2016 tax refund. How To Get the Most Out of Your Tax Refund Pay off your high interest rate credit card and loans.

    Bond and Botes- 11 readers -
  • Paycheck to Paycheck is No Way to Live

    According to a recent story in the New York Post, half of the working families in the United States are living pay check to pay check. Living this way may work for a while or even a long time; however, the problem it presents is the inability to effectively cope with an unexpected crisis. 50% of People Unprepared for a Financial Crisis According to the news article, fifty perce ...

    Ed Woods/ Bond and Botes- 9 readers -
  • Is There a Link Between Mortality Rates and Financial Strain?

    According to a University of Colorado Denver study, there is a direct link between an increased risk of death and financial strain. The results of this study were published recently by the Federal Reserve Bank of Atlanta. The three economists who produced the study found that higher individual mortality risks were higher for those suffering with severe delinquent debt and bad credit.

    Mary Pool/ Bond and Botes- 10 readers -
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