Alabama Bankruptcy Exemptions Increase

On June 11, 2015, Governor Robert Bentley signed into law (Act No. 2015-484) increasing Alabama’s bankruptcy exemptions for the first time since 1982.  Effective June 11, 2015 (same day as signing) debtors are entitled to the following: Personal property exemption of $7,500 (§6-10-6; §43-8-111) Homestead exemption of $15,000 (double, if married) (§6-10-2; §43-8-110) Personal property 

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Bankruptcy – Addressing Your Financial Past

When you have large amounts of old debt you can find yourself caught between two worlds; the present where you are trying to pay your rent, utilities, car payments and other living expenses – and the past, where you are unable to pay for old debts that you are now receiving debt collection calls from. 

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Wage Garnishment in Alabama

Many people I meet with for bankruptcy consultations are concerned that their wages are going to be garnished because they have missed a few payments on their credit cards. This is certainly a legitimate concern. Although it’s important to understand that just because you have missed credit card payments your wages will not be garnished. 

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Alabama ALJ’s Opinion Reversed due to inadequate evaluation of Claimant’s Mental Conditions

The Disability Lawyers (Auburn, AL) of Carmichael Law Group LLC are pleased to report in Kelley v. Colvin, the Honorable Judge Walker of the United States District Court, Middle District of Alabama recently agreed with our brief that the ALJ’s decision failed to properly reject the medical opinions expressed by the treating psychiatrist. In the 

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Back to School and Out of Debt

A new school year can be a stressful and exciting for students and adults alike. We barely get into the swing of a relaxing summer before it’s time for school to start once again. A new school year brings a new routine; one that we all know too well with just a few changes year 

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Alabama Social Security ALJ Failed to Properly Evaluate Pain Testimony

The Auburn, AL Social Security Disability Attorneys of Carmichael Law Group LLC are pleased to report in Spinks v. Colvin, 3:12cv1095-SRW (M.D. Ala. July 18, 2014), the Honorable Judge Walker of the United States District Court for the Middle District of Alabama recently agreed with our position that the ALJ committed reversible error in failing 

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Chapter 7 Bankruptcy Discharge

The goal of a Chapter 7 Bankruptcy petition is to receive a discharge order from the Bankruptcy Court.  What exactly is a discharge order and what protections does it provide? Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor 

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Getting Scammed While in Bankruptcy: Fake Collection Emails and Phone Calls

Unfortunately, scammers prey on everyone. Even those in bankruptcy protection are not immune from falling victim to criminals out to make a quick buck. The following scenario is one variation of how the scam works. Mr. Jones is currently in a Chapter 13 bankruptcy. One day, Mr. Jones receives an email from what looks to 

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Alabama ALJ Failed to Evaluate Opinion Evidence in Accordance with Social Security Ruling 96-6p

The Alabama Disability Attorneys of Carmichael Law Group LLC are pleased to report in Caldwell v. Colvin, Judge Capel of the United States District Court for the Middle District of Alabama recently agreed with our position that the ALJ failed to evaluate the medical opinions of the psychological state agency consultant as required by Social 

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Alabama Social Security ALJ Improperly Rejected Treating Physician’s Medical Opinions

The Opelika Social Security Disability Lawyers of Carmichael Law Group LLC are pleased to report in Munroe v. Colvin, 2:13-CV-202 (M.D. Ala. May 14, 2014), the Honorable Judge Walker for the Middle District of Alabama recently determined that the ALJ committed reversible error in rejecting the medical opinions expressed by the treating physician.  In our 

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