The following information is soley provided to give you a general idea of the law under Automobile Accidents. If after reading the information below, you believe you need a lawyer or need further information please contact our office for a free consultation.

Our firm represents victims in auto accident cases where there is an injury due to the negligence of someone else.  Most of the time, the cases involve a negligent driver running a red light or stop sign and crashing their vehicle into the victim, causing severe injury or sometimes death.   If you have been in a car accident, and suffered injuries, make sure to immediately go to the emergency room for treatment.  The longer you wait to receive treatment, the more difficult it is to prove that the injuries you sustained were related to the accident.  Our firm has handled automobile accident cases stemming from minor injuries to death all throughout Alabama.   If you have been involved in an accident that was not your fault, you should quickly consult us to determine what your rights are and how you can receive compensation. 

Do not discuss your case with any one from the insurance company, yours or the at fault drivers until you have spoken to us about your claims.  Many of the cases where we represent accident victims settle out of court which means a quicker monetary recovery for you.  Our firm handles these types of cases on a contingency basis and we don’t get paid until you do.  Please feel free to contact us to discuss your claim. 

The following information is soley provided to give you a general idea of the law under Bankrupcy. If after reading the information below, you believe you need a lawyer or need further information please contact our office for a free consultation.

Our firm handles only two types of bankruptcy matters, Chapter 7 or a chapter 13.  When we meet to discuss the case with you, you will meet with an attorney at our firm who has years of experience filing bankruptcy. Also, we will not attempt to place you in a bankruptcy only because you may be eligible for one.  In fact, many times when clients see us, bankruptcy can be avoided by other options.  We also review whether you have potential legal claims against a mortgage company, a debt collector, an insurance company or any other type of large corporation that may have violated your consumer rights and possibly caused you to suffer the situation you are experiencing.  Sometimes though, a bankruptcy may be your only option.  So, what is the difference between a Chapter 7 or 13?

Chapter 7

Chapter 7 cases, or what some call "liquidation" cases, is when a person or couple is looking to discharge or "get rid of" most debt.   If you make a certain amount of income, which is determined by the "Means Test", then you would initially qualify for a Chapter 7 in Alabama.  Most secured and unsecured debts may be included into your bankruptcy.  So, foreclosures, repossessions, judgments, medical bills and past due credit card debts or bills can all be included and discharged. However, you cannot discharge any debts that are from child support or most taxes. 

Chapter 13

Chapter 13, or a "consolidation plan" is where you pay back your creditors.  This is generally for families who wish to keep their car, have some assets that they would like to keep, and earn enough money a month to pay money back to their creditors.  During the initial process of your bankruptcy, we propose a "Plan" to the bankruptcy Trustee when we file your petition.  The trustee is the court appointed official who administers the payments to your creditors.  Most of the time, you only have to pay back a small portion of what is owed.  This can be in the form of a 3, 4 or 5 year plan.  At the end of the plan, you then receive your "discharge". 

The following information is soley provided to give you a general idea of the law under Consumer Class Action. If after reading the information below, you believe you need a lawyer or need further information please contact our office for a free consultation.

Our firm has filed many class action cases generally against mortgage lenders, banks, debt collectors and other corporations.  A class action is generally a superior method to bring a recovery to individuals that have been affected by the wrongs of a corporation.  Our firm focuses on those classes that deal with mostly with consumer protection statutes.  If you as a consumer were overcharged for a service, or failed to receive notice of your rights under a specific statue that protects consumers, the damages may be minimal to you as an individual.  It would be impractical and costly to bring an individual claim for a few hundred dollars of damages.  However, if that corporation has taken this action against thousands of people or more, then the problem becomes wide spread. 

Now, not only are you damaged, even though a small amount, the corporation is getting away with making millions of dollars illegally if not more by harming each individual, even if it only means a few dollars per person.  Therefore, when such a harm takes place, a class action can be filed against the corporation for its violation of a specific statute or relating to some other type of harm.  If you believe you have been a victim of a bank, mortgage company, debt collector or other corporation on a small scale, it may be impractical to bring an individual claim, but you may be a member of a larger class of people.  Please contact us to discuss your claim. 

The following information is soley provided to give you a general idea of what you can do to dispute any errors on regarding your credit file. If after reading the information below, you believe you need a lawyer or need further information please call our office for a free consultation.

If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of CRA is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.

The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.

Here are some questions consumers commonly ask about consumer reports and CRAs -- and the answers. Note that you may have additional rights under state laws. Contact your state Attorney General or local consumer protection agency for more information.

We have developed a frequently asked questions sections concerning the FCRA. To access this list please Click Here