Month: November 2016

Thinking about filing for bankruptcy? It’s a scary thought and a decision that requires a great deal of consideration. To many, declaring bankruptcy can seem like a drastic move and definitely something to be avoided, but there are times when choosing bankruptcy is the right decision for both individuals and companies. We live in times when debt is rampant and enormous. You get credit card offers constantly and you may have gone into debt for college, a car, a home–there are always legitimate reasons to incur debt. But, if you’re drowning in it, bankruptcy can provide a much needed reset.

That said, let’s go through some of the signs that show you it’s time to declare bankruptcy.

1. You have no idea how much you owe

2. You’ve been getting collection calls

3. You use a credit card to pay for basic necessities

4. You make only the minimum payment on your credit cards

5. You are avoiding assessing your finances, afraid of what you will find

If two or more of these statements apply to you, it’s time to give some serious consideration to declaring bankruptcy. That’s where we can help. One of the first things we’ll do is go through your assets with you, making an inventory of things like retirement funds, vehicles, savings accounts and so forth. We’ll then determine how much you owe. If you owe a great deal, and don’t have a lot of assets, declaring bankruptcy can sometimes be an option. We’ll do the hard work of filling out the paperwork making sure you have declared all the things you need to and that you are in compliance with the law. There are different types of bankruptcies–including chapter 7 and chapter 13, the two most common. We’ll help you determine which one is right for you or your business.

Don’t hesitate, call us at Alpina Legal today, and let’s wipe your financial slate clean!

You may be wondering if you could qualify for social security disability benefits. If so, here are a couple of guidelines to help you determine your eligibility. Not all jobs are covered by social security. If you have been working at a job that is covered by social security, then that is the first step to being able to qualify. Your disability will need to be one of the ones covered by social security.

If you do qualify for social security disability benefits then you are in good shape. The benefits will continue until you can go back to work.

At Alpina Legal, we can help you get your paperwork filled out and filed, increasing your chances of winning the disability benefits. To be honest, most claims for SSDI are rejected at the first level and even at the reconsideration. Even if you have an attorney, this can happen to you. But the benefit of having an attorney is that you can take your claim, if it has been rejected, and submit it before an administrative law judge.

At Alpina Legal we can ensure that your case is developed correctly, so that we leave no stone unturned in helping you make the strongest case possible for why you should receive benefits.

The layperson has no idea how to prepare their disability case. The process is complicated and thorny. At Alpina Legal, we are well informed in the ins and outs of getting disability. Is it worth the risk of trying to represent yourself and almost certainly being denied? Definitely not. You increase your chances greatly when you turn to great representatives like our staff here at Alpina Legal. We’ll also give you a consultation in which we’ll honestly assess your chances of winning the case and help you understand whether you should go for it or not. Call us today for your initial consult.