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Why Judgments Kill Your Credit Score

Posted by Melinda Dionne | Oct 05, 2011 | 0 Comments

What is a judgment? A judgment occurs when a creditor takes you to court, sues you, and wins its case against you. The creditor must do this before the statute of limitations runs for the original debt. In Alabama, the statute of limitations for oral contracts, written contracts, and promissory n...

How Does Filing Bankruptcy Impact on My Credit Score?

Posted by Melinda Dionne | Oct 05, 2011 | 0 Comments

So, you're considering filing a Chapter 7 or a Chapter 13 bankruptcy case but worried about what it will do to your credit score. This is a legitimate concern as, by law, a chapter 7 bankruptcy filing can show up on your credit report for as long as ten years from the date of filing and a chapter...

How do I Get a Free Credit Report?

Posted by Melinda Dionne | Oct 05, 2011 | 0 Comments

Every consumer is entitled to obtain 1 credit report, free of charge, from each of the three major credit bureaus (TransUnion, Equifax, and Experian) once every 12 months from is the official web site to help consumers to obtain their free credit...

What Should I Wear to Bankruptcy Court?

Posted by Melinda Dionne | Sep 26, 2011 | 0 Comments

Debtors in bankruptcy do not have a dress code, unlike bankruptcy lawyers who have a strict dress code.  While there is nothing to tell you what to wear, common sense should tell you that you should wear clothing appropriate for attending a meeting or a hearing in a United States Federal Court. W...

Will I have to Go to Court if I file Bankruptcy?

Posted by Melinda Dionne | Sep 19, 2011 | 0 Comments

Chapter 7 Bankruptcy Cases and Going to Court When you file a bankruptcy case the first “hearing” that you will attend is called the first meeting of creditors or the “341 Meeting”. In Chapter 7 bankruptcy cases in the Northern District of Alabama, the Chapter 7 meeting of creditors is conducted...

What is a 341 Meeting or a First Meeting of Creditors?

Posted by Melinda Dionne | Sep 19, 2011 | 0 Comments

When Will I Go to Court? Approximately 30 days after your case is filed, you will appear at the federal courthouse for your first meeting of creditors which is also called a 341 meeting. At this meeting, you will meet the person who was appointed to serve as your trustee. The trustee is a lawyer,...

Cheap Bankruptcy Attorney

Posted by Melinda Dionne | Aug 18, 2011 | 0 Comments

WHICH TYPE OF BANKRUPTCY IS CHEAPER? CHAPTER 7 CASE Overall, a Chapter 7 case is the cheapest form of bankruptcy. It is generally over in 4 months. You pay your attorney fee and costs up front (some attorneys provide a payment plan but all fees and expenses must be paid prior to filing). The fir...

Who is the Chapter 7 Trustee?

Posted by Melinda Dionne | Jan 18, 2010 | 0 Comments

Every Chapter 7 bankruptcy case has a trustee.  In Chapter 7 cases in Alabama, the Chapter 7 trustee is an attorney who serves on a panel.  Each member of the panel is assigned cases on a rotational basis.  Some divisions rotate trustees on a weekly basis while others rotate based on the number o...

What is a Chapter 7 Bankruptcy Case?

Posted by Melinda Dionne | Jan 18, 2010 | 0 Comments

Most people talk about Chapter 7 as a “total liquidation.”  People believe that they will lose all their property in exchange for wiping out all their debt.  Very few people actually lose any property when they file a Chapter 7 case.  In fact, almost 99% of Chapter 7 cases are deemed “no asset” w...

Who are Debtors — People Just Like You and Me

Posted by Melinda Dionne | Sep 15, 2008 | 0 Comments

The Hype I have practiced bankruptcy law for 22 years.  In that time, I have been called upon many times to defend the actions of “irresponsible debtors” who run up debt and then run to the bankruptcy court for protection.  You know the type of person I am talking about.  The debtors who run up t...

Bankruptcy Price Shopping

Posted by Melinda Dionne | Aug 05, 2008 | 0 Comments

Although it may be strange to think of it this way, when you are looking for financial advice you are shopping.  You are shopping for the best advice, the most knowledgeable lawyer, someone who makes you comfortable and understands you and your finances, and yes, you are shopping for the best pri...

No Botox Needed-The Bankruptcy Facelift

Posted by Melinda Dionne | Aug 01, 2008 | 0 Comments

Financial problems are no laughing matter, but sometimes humor helps us get through our darkest days. I want to share with you the story of a client who had to file a Chapter 7 case for himself and his business.  In a matter of just a year, his once thriving business had died.  He couldn't make h...

Mortgage Relief or More Empty Promises

Posted by Melinda Dionne | Jul 31, 2008 | 0 Comments

The President has now signed a bill designed to help homeowners struggling with mortgage debt that they cannot pay.  Some people will benefit from the new legislation, which is set to take effect October 1, 2008.  Others who are struggling with overwhelming debt and multiple mortgages may find no...

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Melinda Murphy Dionne, Bankruptcy Attorney is committed to answering your questions about Bankruptcy, Chapter 13, Chapter 7, Debt Consolidation, Debt Management, and Debtors Court cases in Alabama.

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