Charles Farrell Jr. LLC

I understand it’s Hard Times for most ordinary folks these days, but if you can, let me suggest for World Animal Day:

Adopt a Wolf | Wolf Conservation Center The wolves at the Center are supported entirely by people like you. Your interest and participation are essential, and there are many levels of sponsorship. Show your love and support by purchasing a symbolic adoption today! Friend - Digital Only ($25.00) - receive a certificate of adoption, 8″x10...

It’s World Animal Day so enjoy:

Chonky and they know it: Voting starts in Fat Bear Week Explaining the draw of gawking at massive bears, a park ranger says, "You can follow the bears for years and really get to know their lives and their personalities and their soap operas."

A huge thank you to the wonderful client who sent me The Care Crate filled with coffee supplies! Unfortunately, the box did not include your name: But I salute you!

https://www.marketwatch.com/story/2022-could-be-the-year-of-financial-reckoning-bankruptcy-cases-fell-dramatically-in-2021-but-new-challenges-await-11641296556

'2022 could be the year of financial reckoning': Bankruptcy cases fell dramatically in 2021, but new challenges await Bankruptcy cases fell in 2021 after falling in 2020.

23 years ago this month I was admitted to practice here in Georgia and became a member of the State Bar of Georgia. All I have ever wanted to do was shield and protect everyday folks. Honestly, It feels like a lot of miles traveled.

So here's to the sunny slopes of long ago!

https://www.consumerfinance.gov/coronavirus/avoiding-scams/

Avoiding scams | Consumer Financial Protection Bureau Learn how to protect yourself from coronavirus-related scams.

https://charlesfarrelllaw.com/valdosta-bankruptcy-how-much-does-it-cost-2/

VALDOSTA BANKRUPTCY: HOW MUCH DOES IT COST? First time callers often ask, “How much does filing bankruptcy cost?” My answer usually surprises them because first I ask: What type of bankruptcy do you want to file? It’s important to know what you…

Why do Georgia families need bankruptcy protection?
Per the National Consumer Law Center:
Worst states: At the opposite end of the scale are several states whose exemption laws reflect indifference to struggling debtors. These states allow creditors and debt buyers—or the debt collectors they hire—to seize nearly everything a debtor owns, even the minimal items necessary for the debtor to continue working and providing for a family. Georgia, Kentucky, Michigan, New Jersey, and Utah are the worst and rate an F.

https://www.nclc.org/media-center/report-will-states-let-debt-collectors-push-families-into-poverty-as-pandemic-protections-expire.html

Report: Will States Let Debt Collectors Push Families into Poverty as Pandemic Protections Expire? - National Consumer Law Center November 10, 2021 Download the full report, state maps and state-specific information: https://www.nclc.org/issues/report-still-no-fresh-start.html BOSTON – With millions of families struggling to recover from the economic fallout of the COVID-19 pandemic, and state and federal payment forbearance...

https://www.forbes.com/sites/tedknutson/2021/11/09/older-women-significantly-more-worried-about-bankruptcy-from-medical-bills-than-men/?sh=6515c51c46c4

Older Women Significantly More Worried About Bankruptcy From Medical Bills Than Men In a poll, over half of women over 65 (51 percent) say they are worried a health situation could lead to bankruptcy compared to 40 percent for men.

https://www.forbes.com/sites/robertfarrington/2021/11/08/student-loan-borrowers-beware-government-collection-activities-resume-next-year/?sh=7382db1842bc

Student Loan Borrowers Beware: Government Collection Activities Resume Next Year When the student loan payment pause ends in January, collection activity will also resume for student loans in default.