Excerpt from Chapter 2 – “Our Lawyers and Affiliated Law Firms”

Bankruptcy – We Wrote the Book on It By Ronald C. Sykstus and the Bond and Botes Team of Lawyers

Excerpt from Chapter 2 – “Our Lawyers and Affiliated Law Firms”:

Before we begin the substantive stuff, just a little bit about our law
practice, lawyers, and affiliated law firms.

The law firm of Bond and Botes, P.C., began in 1989 in Birmingham,
Alabama, by two law school friends, Mark Bond and Brad Botes. After
practicing initially in general areas of law, Mark and Brad then decided
to devote their entire law practice to the area of consumer bankruptcy.
Since that time, the law firm has evolved into additional areas of law
and has expanded its geographic locations into several states. Currently,
the law firm has offices in Alabama, Mississippi, and Tennessee. Each
office is owned by other Bond and Botes shareholders, and each office
is a separate legal entity with a managing shareholder on the ground.
As a result, we refer to these offices as the affiliated law offices of Bond
and Botes.

Excerpt from Chapter 1 – “Introduction: The Stress and Worry of Debt”

Bankruptcy – We Wrote the Book on It By Ronald C. Sykstus and the Bond and Botes Team of Lawyers

Excerpt from Chapter 1 – “Introduction: The Stress and Worry of Debt”:

Why do people come to our offices? It is really rather simple. The
stress and worry of their situation makes them feel like they have
no place to turn. Obviously, if someone has no debt issues at all, is
completely current on all their bills, and has savings in the bank, then
they do not need to see us about debt problems or issues and they
may come to us for other reasons such as tax or student loan issues
(more on that later). People come to us for financial consultations if
they are feeling overwhelmed with their debt situation and believe that
they will not be able to make some or all of the payments that are due
on next month’s bills. They may be getting collection calls from both
creditors and/or debt collectors to their home, work, or cell phone
numbers. They may be receiving threatening collection letters from
creditors and debt collectors. They may be served with a lawsuit by
the county sheriff or in the mail. They may receive a garnishment of
their wages. The IRS or state taxing authorities may be threatening a
levy of their wages. They may be being threatened with an automobile
repossession by their car creditor. Their mortgage company may be
threatening to foreclose on their home or, worse, a foreclosure action
may already have been started.