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In life, circumstances arise that we cannot avoid - struggling with a mounting debt, stopping a foreclosure or garnishment, problems with your marriage or battle over child custody, support or visitation. These situations can have a profound effect on our lives. During these difficult times, you need someone by your side who can care effectively for your legal needs as well as providing you with personal service to best provide support for you during these incredibly personal and private crises.

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Ridgeland Bankruptcy Law Blog

Credit reports and medical debt: material rule changes announced

Americans are anything but a monolithic bunch, with ample evidence forthcoming daily -- from street demonstrations, polling results, fiery congressional debates and other sources -- indicating that the spectrum of viewpoints on almost any subject is wide, indeed.

Put another way: In these fast-paced and complex times, it might sometimes seem that there is virtually nothing that a strong majority of people across the country can agree on.

Hot-button topic: reform in the student loan industry

If you're one of the growing number of persons becoming increasingly edgy about mushrooming student loan debt (perhaps your child has assumed a high amount of debt, or you, personally, are challenged by onerous repayment terms) and wondering just how serious of a problem student debt is becoming, consider this: According to a recent media article discussing education-related loans, about 17 percent of all borrowers are delinquent on their federal student loans.

That equates to many millions of people struggling mightily in their attempts to stay current on loan exactions -- and failing.

Chapter 13: keeping assets and paying back creditors over time

Although many people in turbulent financial waters know some of the basic fundamentals relating to bankruptcy, their knowledge stalls out when it gets to the details.

That is eminently understandable. After all, a bankruptcy filing is hardly a casually invoked process. Moreover, this longstanding remedy, recognized by the U.S. Constitution and in both federal and state statutory enactments, is rife with technicalities. Those include the formulae associated with the so-called means test, applicable timelines and myriad additional factors.

Federal court decision slams AmEx for action that hurts consumers

Say that you're a principal manager with a credit card issuer (a lofty and singular position, to be sure), being part of the management team that supports the business practice of preventing merchants who accept your cards from recommending other cards to consumers.

Although such a business strategy might simply sound like good business practice grounded in common sense from your perspective, American securities law takes a dim view of the practice.

Mortgage fraud: Do criminal penalties loom for wrongdoers?

Millions of Americans might be reasonably empathized with as they continue to struggle with home-related finances in the aftermath of the country's so-called Great Recession of recent years.

In a staggering number of instances, that struggle resulted in a most heavy exaction, namely, the loss of a home through the foreclosure process.

So-called zombie foreclosures a continuing malady nationally

There is a stark dichotomy operative across the United States in the wake of the economic downturn of recent years.

On the one hand, the housing debacle (wrought by lending irregularities and bad-faith lenders' conduct), massive numbers of job losses across the country, plummeting money markets and other negative consequences of the Great Recession have not been universal and permanent features of the American economic landscape.

Are Americans feeling better these days about their finances?

Most people in Mississippi and across the rest of the country might reasonably think that the majority of their neighbors and acquaintances -- co-workers, fellow gym members, people at their church, other parents they see at school and so forth -- are doing reasonably well as far as their personal finances are concerned. Various empirical data indicate that the so-called Great Recession of recent years has largely passed and that economic activity has picked up nationally, so most people should be feeling fairly sanguine about their current situation and future prospects, right?

Wrong.

Taking a look at payday loans: boon or curse for most consumers?

As a discerning consumer, you might call a loan with repayment terms mandating an annual interest rate of 500 percent a lot of things.

It is unlikely that you would call it, as does one spokesperson for a large lending company, a “viable credit option.”

According to a media analysis of payday loans, things generally work out as follows regarding such financial instruments.

First, a consumer in dire need of instant cash approaches such a lender (note: there is certainly no scarcity of such lenders; they dot the landscape in every state, including in Mississippi). Typically, a payday loan is needed to cover expenses of a few hundred dollars at most. Borrowers customarily hand over a check marked with a future date, in an amount that covers both principal and a fee.

That certainly sounds simple. The complexity -- for many consumers, the unraveling -- comes when, as that future date approaches, the borrower realizes that he or she can’t make the payment.

Auto title loans: If at all possible, just steer clear

When it comes to auto title loans, that method of securing quick cash enabling a borrower in Mississippi or elsewhere to pay off immediately pressing debt can be a godsend -- for the lender.

For the borrower, unfortunately, obtaining a loan secured by a vehicle often results in a truly rough ride. In fact, and as we note in an article on our website entitled “Auto Loans Can Lead to Financial Disaster,” a loan secured by a vehicle as collateral often turns out to be a major headache for a borrower.

Here’s why.

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