1927 7th Street

   Tuscaloosa, AL  35401

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Bringing peace of mind to the people of Tuscaloosa, Walker and surrounding counties.


Payday loans

Posted on April 6, 2015 at 6:00 PM

     Payday loans. You may have heard a lot about them in the news lately. They are often used as a temporary stop-gap means of making ends meet for many Americans. While most people who utilize this form of short-term loan usually understand that they are not entering into a good deal, few realize just how raw of a deal they are getting.

     In Alabama, cash advance or payday lenders will lend their customers a small amount of money, usuall...

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What can I do if I am starting to get overwhelmed by my credit card debt?

Posted on October 2, 2014 at 1:25 AM

     If you are an American living in the 21st Century, you have probably had a moment when you are struck by just how much of your disposable income is devoted to paying on your monthly debt bills. Like so many others, you may have recently confronted the fact that paying the monthly minimum due on your high interest credit card bills is getting you nowhere fast.


     The greatest problems with credit cards are their easy access a...

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Do I have to keep in contact with The Elmer Law Firm after my case is filed? When do I need to contact my attorney to give updated information?

Posted on August 13, 2014 at 9:20 PM

Well this has been a busy Summer for us here at the Elmer Law Firm, and I am sorry I haven't gotten any new posts up lately. The simple answer to this question is yes, you need to contact your attorney anytime there is a significant change in your financial world. While this may sound like common sense to you, it is easy enough to overlook or forget about. Some common examples of events which you should always notify us about while you are in an active bankruptcy are:

• Cha...

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Will I be able to keep my tax refund if I file bankruptcy?

Posted on March 28, 2014 at 5:35 PM

     The answer to this question is that it depends. It will depend on several factors, including what chapter of bankruptcy you file, how large your refund is, and the timing of your bankruptcy filing.


     For those who are filing a Chapter 7 bankruptcy it can actually be a little easier for you to keep your tax refund than in Chapter 13. The reason being is that you can exempt, or protect that refund just like any other asset. ...

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Can I include taxes owed to the government in my bankruptcy?

Posted on March 24, 2014 at 3:40 PM

     With the warm weather and return of the sounds of wildlife returning, that means that Spring is here. And with Spring, soon comes April 15th and Tax Day. This time of the year often makes many people nervous, particularly those who know or fear that they may owe some money to their Uncle Sam. This can be a particularly real fear if you have done any number of things that so many people have done in these tough times without ever thinking of the tax consequences. Y...

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If I file a Chapter 13 bankruptcy, can I later convert my case to a Chapter 7 bankruptcy?

Posted on January 16, 2014 at 2:20 PM

     Yes, you can. A debtor may, at any time, convert (or change) their Chapter 13 bankruptcy to a Chapter 7 so long as they have not already converted from another chapter, without court approval. If your situation since you have filed your Chapter 13 has changed enough, you may find that it is no longer practical to remain in it. You may have had a drop in income, change in family circumstances such as a divorce or death of a spouse, or you may have accrued additional...

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I owe my family money. Do I have to list the amounts that I owe to my friends and family in my bankruptcy?

Posted on November 26, 2013 at 12:50 PM

Yes.  As we head into the Thanksgiving and Christmas seasons, many people turn their thoughts to friends and family.   And if you owe money to those you love, you may begin to think about how you can protect them before you begin to consider contacting a bankruptcy attorney.   While this is certainly a noble and understandable thought, it is not in either your best interests or those of your loved one, for the following reasons.


You do need to list all of you...

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Will I need to go to court after I file my bankruptcy?

Posted on July 17, 2013 at 5:50 PM

The short answer is yes, you will need to go to a hearing at the courthouse at least once no matter which type of bankruptcy that you file. Every individual who files bankruptcy is required to attend a hearing known as the First Meeting of Creditors (otherwise known as the creditor hearing, or a 341 hearing). This is a hearing presided over by the trustee, not your bankruptcy judge.


This hearing is generally going to take place about a month after you file your bankrupt...

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I have been served with a complaint and am being sued by a creditor. What are my options, and can bankruptcy help me?

Posted on June 10, 2013 at 5:35 PM

If you have been served with a complaint and are being sued by a creditor you need to decide on a course of action pretty quickly. Depending on what court you are being sued in here in Alabama, you may have as little as 14 days to get a timely answer filed in the lawsuit before the creditor can take a default judgment against you.


The first thing you need to ask yourself is if you actually ever incurred the debt in the first place. You may not remember incurring the debt,...

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Would a short sale be a better option for me than a deed in lieu or a bankruptcy?

Posted on May 25, 2013 at 12:30 AM

As discussed in the last entry concerning a deed in lieu for delinquent mortgage situations, a short sale is another commonly contemplated resolution for homeowners looking for a fresh start. A short sale on one’s primary residence when behind on the mortgage can be a welcome alternative to a foreclosure. This occurs when you seek to sell your property to a willing buyer for less than what you owe on the property. There are several potential issues to keep in mind though before proce...

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