 Personal bankruptcy is a legal process that allows individuals to eliminate or restructure their debts. It is typically considered a last resort when other options, such as debt consolidation or negotiating with creditors, have been exhausted. Here are some common reasons why people consider filing for personal bankruptcy:
The Office of T. Verner Smith has helped thousands of Tennessee residents navigate this process and has a great reputation for handling the process in a respectful and professional manner. The first step is simply making a phone call to inquire about a free consultation. Call us at (731) 423-1888 and let's begin finding solutions for your problems today.  4 quick reasons why it's important to contact an attorney after an accident.
Contacting an attorney after an accident can be essential to ensuring that you receive fair compensation for any damages or injuries sustained. At the Law Office of T. Verner Smith, we have years of experience representing the victims of traffic accidents, from victims who have been injured, to those whose loved ones have died in accidents. Call us today at (731) 423-1888 and let us get to work for you. According to an article from CBS news: "The end of federal pandemic aid is putting many Americans and businesses under mounting financial pressure, leading to a spike in bankruptcies. Total bankruptcy filings in January shot up 19% in January to 31,087, up 19% from a year ago, according to data from Epiq, a legal research firm. The number of Americans who filed for bankruptcy across Chapters 7, 11 and 13 shot up 20% in January from a year ago. The surge in filings comes as rising interest rates and high inflation continue to stress household budgets."  The COVID-19 pandemic has had a significant impact on the economy, causing financial hardship for individuals and businesses alike. With the pandemic aid programs now coming to an end, bankruptcy filings are on the rise nationwide. Banktuptcy attorney Verner Smith in Jackson, Tennessee, is seeing an influx of clients from all across West Tennessee seeking debt relief.
As an experienced bankruptcy attorney, Verner Smith understands the challenges facing individuals and businesses struggling with debt. He is well-versed in the bankruptcy process and can help clients navigate the complex legal system to achieve the best possible outcome. The pandemic has affected many different industries, from travel and hospitality to retail and manufacturing. With so many people losing their jobs or experiencing reduced income, it's not surprising that bankruptcy filings are on the rise. The pandemic aid programs, such as stimulus checks and unemployment benefits, provided some relief for those in need, but now that these programs are ending, many people are finding it difficult to make ends meet. If you're struggling with debt, it's important to seek the help of a knowledgeable bankruptcy attorney like Verner Smith. He can evaluate your financial situation and recommend the best course of action to help you get back on track. Bankruptcy is not a one-size-fits-all solution, so it's important to work with an attorney who can provide personalized advice based on your specific circumstances. One of the benefits of filing for bankruptcy is that it can provide immediate relief from creditor harassment, wage garnishments, and other collection activities. It can also give you a fresh start by wiping out certain types of debt, such as credit card debt and medical bills. If you're considering bankruptcy, seek the advice of a qualified bankruptcy attorney like Verner Smith. With his help, you can make an informed decision about whether bankruptcy is the right option for you. Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation.  The U.S. Census Bureau, in their most recent survey taken the first two weeks of February, found 16% of respondents expect to be evicted in the next two months. Another 23% said it was somewhat likely.
The data demonstrates that Americans are continuing to struggle with inflation, and some are now facing even more difficulties with the SNAP pandemic benefits expiration that occurred March 1st. Families of four at 200% of the poverty line has the most to lose with the loss of additional SNAP benefits. Additionally, the unwinding of pandemic Medicaid coverage will ultimately leave millions without coverage. Southern states, according to the data, show higher rates of financial stress. If your household facing a financial crisis due to these changes and are you ready to consider your legal options? Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation.  According to the latest information from the Federal Reserve, credit card debt in the last quarter of 2022 rose to $986 billion. That's an increase of $61 billion.
The data also indicates a rise in credit card deliquencies, especially among young adults. Growing credit card debt often leads to a financial crisis, triggered by higher fees and higher interest rates. According to financial advisors, credit cards should be paid in full every month. Paying the monthly minimum only results in paying mostly for the interest accruing on the debt and makes little impact on the overall balance. Advisors also warn about credit card companies offering zero interest, as up-front fees are often included in the offer and the zero interest is for a limited time, often defaulting to even higher rates than your previous card. Has credit card debt overwhelmed you to the point you feel there is no way out? Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation.   More than 10,000 people have died on Tennessee roadways in the last 10 years.
Data also shows an almost 20% increase in traffic accidents in the first half of last year when compared to 2020. The report, from Advocates for Highway and Auto Safety, states drivers are behaving recklessly by speeding, impairment, and refusing to wear seatbelts. There is a suggestion that Tennessee pass a law requiring backseat passengers to also wear seatbelts. The rationale, say the authors, is that an unrestrained backseat passenger is not only a danger to themselves, but during an accident, becomes a danger to others. Other suggested laws include:
While each case is different, there are times when an accident could have obviously been avoided, placing the blame squarely on the shoulders of the driver. If you believe that you or a loved one have fallen victim to someone who was careless while driving, you may have a case that proves their actions were negligent and any pain or suffering you endured or continue to endure could result in a potential lawsuit. Contact us for a case review. At the law offices of T. Verner Smith, we represent clients who have suffered personal injury due to the negligence of another. These types of lawsuits not only provide necessary compensation for those who were wrongfully hurt in an accident, but also creates an environment of caution leading to higher safety standards for all. Call us for a free consultation at (731) 423-1888, (901) 730-4567, or (615) 371-6136.  (1/4/22) The latest statistics from the Bureau of Labor Statistics say a record 4.5 million quit their jobs in the month of November, 2021. The categories featuring the most 'quits' were the hospitality industry as well as health care, followed by warehousing, transportation, and utilities. The quit rate was more than twice as high as layoffs/discharges. Experts speculate the service and health care industries are more likely to result in quits due to concerns about COVID-19 exposure. Lower entry pay and a lack of opportunity for tips and advancements also impact the service industry. The South recorded the highest quit rate, greatly eclipsing other sectors of the country. Nearly 1.9 million workers in the South quit their jobs, compared to 611,000 in the Northeast, 960,000 in the West, and 999,999 in the Midwest. More details here: https://www.bls.gov/news.release/jolts.nr0.htm If your family is struggling due to COVID related issues, call us at the law office of T. Verner Smith. Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation.
 Reckless drivers often cause car accidents in Tennessee, resulting in injuries causing neck and back pain. While this can be a common injury, you likely need an experienced personal injury lawyer from the beginning.
What causes these back and neck injuries? The force associated with a car accident can cause serious damage to the back and neck area. These injuries may result in long-term discomfort as well as negatively impacting victims economically due to loss of work, medical bills, therapy, and potentially lifelong issues. One of the most common injuries is 'whiplash'. The inertia of opposing forces in an impact accident can and often results in a violent movement of the head. This injury, which may take several days to fully develop, can be extremely painful and debilitating. Lower back pain, caused by a misalignment or damage to the spinal discs may also be the result of a car accident. Ligaments, muscles, and tendons along the spine may also be damaged. What kinds of treatments may I expect? Treatments for these injuries vary from physical therapy, to medications, to spinal surgery. Many of these injuries may last for months, and in some cases, for a lifetime. But this wasn't my fault! If your car accident was not your fault, is it fair to you that you suffer due to someone else's negligence? We think not. Seek legal advice before agreeing to anything. Neck and back injuries are no stranger to insurance companies. Their adjusters and experts may attempt to claim your injury is minor and attempt to minimize your claim. It is important for accident victims to seek legal opinions sooner rather than later in these cases. If you or a loved one has been involved in a car accident and aren't sure how to proceed next, call us at the Law Office of T. Verner Smith for a free consultation at (731) 423-1888.  On August 17th, West Carroll Special School District chose to close all of their schools (Primary, Elementary, Jr/Sr High) Wednesday through Friday of that week. Preston Caldwell, Director of Schools, said "the time is needed for quarantine relief, and to prepare for distance learning." Caldwell made the decision after more than 300 students (38% of the student population) were in quarantine.
The unspoken part of this story is that the parents of 900 students have also been affected - as they suddenly have to adjust their work schedule, or use vacation days, or have had to quit their job altogether due to unpredictable needs at home. This obviously places a financial hardship on these families, with no recourse. This same scenario is playing out in schools all across West Tennessee, as the Delta variant of COVID-19 is impacting young people at a much higher rate than the previous virus. Among children age 10 and younger, an average of 550 new COVID cases PER DAY are occurring across Tennessee. In the last 2 weeks (as of 8/19), over 12,000 children age 5 to 18 have been diagnosed with COVID. That's 12,000 families economically affected as well. Schools all across the area are reporting higher illness rates, and quarantine procedures require those in contact to take time away from school as well....resulting in even more families struggling to adjust work schedules. Shelby County, in trying to mitigate the sudden rise in COVID cases has today (8/20) reinstated their mask mandate for all indoor public places such as restaurants, bars, gyms, event venues, hotels, multi-residential buildings, and other businesses. An article published on the National Academies of Sciences, Engineering, and Medicine's website (here) recognizes the strain families are under, and is calling on local and state lawmakers to use federal money to provide direct financial support for women and their families. The article cites that 2.5 million women left the job market during the crisis and have increased child care responsibilities in today's world. The article also suggests implementing policies that support families, including: paid family leave, flexible schedules, and remote work options. If your family is struggling due to COVID related issues, call us at the law office of T. Verner Smith. Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation.  According to a recent article (here) recent social media posts have suggested that if workers don't agree with the vaccination requirements at their job, "DO NOT QUIT. Make them fire you...and get unemployment benefits."
However, the article says that if a worker fails to comply with a company's vaccination policy, they may be fired and are generally ineligible for unemployment benefits. There are likely going to be some exceptions and qualifications for unemployment vary state to state. Some states have more guidance than others, but employees are generally barred from getting unemployment benefits if they quit or if the employer has 'cause' for terminating the employee for misconduct. Is refusing to take the vaccination enough 'cause' for termination? Maybe. Don't look for any help from the feds either, as the U.S. Justice Department just recently wrote a legal opinion that businesses may lawfully REQUIRE employees to get vaccinated. See the opinion here. The article also admits that since COVID-19 vaccines are still new, private company mandates will likely be challenged in courts. Has the original pandemic and now the vaccination issue caused a financial problem for your family? Call us at the law office of T. Verner Smith. Through financial restructuring, debt resolution, or legal options including but not limited to bankruptcy, there are ways to relieve the pressure and chart a path to a better future. Don't be embarrassed, don't be hesitant, you are not alone, and taking action now is the smart approach. Call us at (731) 423-1888 and schedule a free consultation. |
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