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A. B. Dunning, LLC
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Consumer Protection in Birmingham, AL

The U.S. Consumer Product Safety Commission has warned consumers that Home Depot sold over 2,130 recalled products after they were recalled. The products were sold by Home Depot during the years of 2012 thru 2015. 

Many of the defective products sold pose serious threats to the safety of Home Depot Customers and have been known to cause serious injury and/or property damage.

If you or a loved one suffered a personal injury or property damage caused by a product you purchased at Home Depot, you should contact a personal injury attorney as soon as possible to protect your rights.

The products sold include the following:
CE Tech Riser cables
Cordelia Shop Lights
Gorilla Step Ladders
Fiskars Lopper Shears
Genie Garage Door Openers
Harris Products Welding Torch Handles
Homelite Blower Vaccums
Kiddie Plastic Fire Extinguishers
Kiddie Smoke Alarms
Wing Enterprises Stepladders
Vornado Space Heaters

For more information visit http://www.cpsc.gov/en/Recalls/2016/Recalled-Products-Sold-by-Home-Depot-After-Recalls-Were-Announced/

Changes in Census Bureau data can affect your eligibility to file for Chapter 7 Bankruptcy in Birmingham, AL.

Most individual debtors filing for Chapter 7 bankruptcy in Birmingham, AL  are required to complete a version of Bankruptcy Form 22A-2, also known as Chapter 7 Means Test Calculation. This form requires the Chapter 7 debtor to input their income over the six month period ending the month before the Chapter 7 bankruptcy petition is filed. The debtor's average monthly income is then compared to the median income of the State of Alabama for a household the same size as the debtor's. If the Chapter 7 debtor's income is below the median, there is no presumption of abuse. However, if the Chapter 7 debtor's income is above the median, there is a presumption of abuse that must be overcome by demonstrating the debtor's necessary monthly expenses are in excess of the debtor's income.

The  information regarding median income is published by the Census Bureau according to State and family size, and the data is updated each year. In addition, the data may be further adjusted early each calendar year based upon the Consumer Price Index for All Urban Consumers (CPI).

For the first time in almost two years, the Alabama median household income has fallen for every household size except for those with four or more members. Not since November 15, 2013 have Alabama Chapter 7 filers had their eligibility requirements tightened. Prior to November 1, 2015 a the median household income for family of one was $42,041, a family of two was $50,614, and family of three was $56,186.  After November 1, 2015 the median income fell to $41,420 for family of one, $49,796 for a family of two, and $53,991 for a family of three.

The result of this change is that, overnight, some Alabama debtors may no longer be eligible to file for relief under Chapter 7 of the Bankruptcy code. Many debtors considering filing for Chapter 7 consider putting off their filing to save up money for the fees or see if they are able to get their finances back on track. However, if you're considering filing Chapter 7 Bankruptcy in Birmingham, AL, you should be aware that the Census Bureau has updated the median income 4 times in 2015.  If your income is close to the median, you may lose your eligibility to file if the median income used for the means test is lowered again.

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Chapter 7 Bankruptcy in Alabama
  
    One of the most important factors to consider when choosing between Chapter 7 and Chapter 13 is the value of property owned by a debtor  versus the amount of exemptions the debtor is entitled to under Alabama law. 

    In June of 2015, the Alabama legislature voted to increase the amount of exemptions for Alabama debtors to $15,000 for homestead exemptions and $7,500 for personal property exemptions. Before June 11, 2015, an Alabama debtor could only claim an exemption of $5,000 for homestead and $3,000 for personal property.
This increase was the first time Alabama exemption amounts had been addressed in over 25 years.

    The Alabama legislature provided for automatic adjustment of  exemptions amounts in the future by tying it to the consumer price index.  

    The Alabama legislature should be applauded for raising the exemption amounts and providing for automatic adjustment, but the intended effect of these efforts, the protection of Alabama debtors, may end up being thwarted by other state law. Alabama Code Section 6-10-1 limits the amount of exemptions a debtor can claim to the amount of exemptions allowed  under state law at the time the debt was incurred.

    This means that all debts of a potential Chapter 7 Bankruptcy debtor must be scrutinized to determine when the debt was incurred to prevent property from being subject to liquidation under Chapter 7.

     I offer a free consultation to help anyone considering bankruptcy make the right decision for their circumstances. My Chapter 7 Bankruptcy fee for debtors with less than 20 creditors and fewer than 3 reaffirmations is $999 and includes the filing fees and required classes. To make an appointment for your free consultation call  205-623-2930 or visit http://abdunning.com/practice/bankruptcy-2/

No representation is made the quality of legal services to be provided is greater than the quality of legal services to be provided by other lawyers. We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.

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Wills and Estate Planning Attorney in Birmingham, AL
     Many young parents put off making their wills. Usually this is either because they think it will be too expensive or they don't like thinking about their own deaths.
   Nobody likes thinking about their own deaths, but every parent of minor children needs to have a plan in place for that worst case scenario.  A proper will and estate plan can allow you to nominate a guardian of your children and clearly state how your assets are to be used to care for them.
   I offer estate planning packages starting at $300 per couple, so price is no longer an excuse. I can usually have your estate plan drafted within 2 days. so if you're planning an overseas trip and have been worried about the "what if's", call me at 205-623-2930 and get peace of mind.

No representation is made that the quality of legal services to be provided is greater than the quality of legal services to be provided other lawyers.

Birmingham, Alabama Probate Attorney offering affordable services.
If you've lost a loved one, chances are their estate needs to go through probate to be properly distributed to the heirs and to have title changed on any real property. 

A typical estate needs to go through the following steps of probate before being closed: obtaining and filing a bond, conducting an inventory of the estate, notifying creditors, identifying potential heirs or beneficiaries, filing appropriate tax forms, establishing a bank account for the estate, maintaining accurate records for the estate, and other requirements.

Don't go through this alone. Call me at 205-623-2930 and let me help you through the process.

No representation is made that the quality of services to be provided is greater than the quality of services provide by other lawyers.

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Birmingham, Alabama Defective Product alert: http://www.cpsc.gov/en/Recalls/2015/Cycling-Sports-Group-Recalls-Cannondale-Mountain-Bicycles/

If you've been injured due to a defective product, call 205-623-2930 or visit www.abdunning.com to set up an appointment for a free case evaluation. 

No representation is made that the quality of legal services to be provided is greater than the quality of legal services to be provided by other lawyers.

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Birmingham, Alabama Wills for as low as $150 per person.
Visit http://www.abdunning.com/-300-couple-s-estate-plan.html and set up your appointment with an estate planning attorney today.

No representation is made that the quality of legal services to be provided is greater than the quality of legal services to be provided by other lawyers.

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Birmingham Chapter 7 for $999. Don't overpay for your fresh start. Call 205-623-2930. Includes attorney fees, filing fees and class fees. Special price available for Chapter 7 cases with less than 20 creditors and no more than 4 reaffirmations. visit http:/abdunning.com/bankruptcy.html

 No representation is made the quality of legal services to be provided is greater than the quality of legal services to be provided by other lawyers. We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code

BIRMINGHAM WILLS FOR $300 per COUPLE! Don't trust your family's future to an online form. Get a face to face meeting with a Birmingham, Alabama estate planning attorney. Call 205-623-2930 for a free consultation.  http://www.abdunning.com/wills.html

No representation is made the quality of  legal services to be provided is greater than the quality of legal services to be provided by other lawyers.

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