Category Archives: Uncategorized

Appa turned 1!

Last week, Giles & Lambert pup Appa celebrated her first birthday! On Thursday in our Roanoke office, Appa spent some time with attorneys Tracy and Heather.

If debt is an issue for you this holiday season, our staff (and Appa) are eager to welcome you to our office to see what we may be able to do to help you with your debt.

Are you one of the 700? We can help.

Volvo announced it would be laying off 700 employees in January due to an anticipated drop in sales. For many folks in the New River Valley, this type of change can lead to financial distress as unemployment may not cover your living expenses and debts.  If you find yourself facing financial hardship due to this lay-off, the law firm of Giles and Lambert has an office in BLACKSBURG and stands ready to provide advice and help on how bankruptcy may help you through this difficulty.

Our hearts and prayers go out to all the Volvo employees and families impacted by this news.  If this lay-off puts you in a financial bind, give us a call to schedule a free consultation on how we might can help.

Holiday Spending Strategies

Holiday festivities can wreak havoc on even the most well-planned budget.  See below for strategies to make it through the holidays without damage to your finances.

While considering your finances, if you find that you are struggling to make your debt payments, contact Giles & Lambert for a free bankruptcy consultation to see what bankruptcy may be able to do to help you. 

https://www.cnbc.com/2019/11/19/own-the-holidays-without-going-broke-with-these-simple-strategies.html

Anxious about your finances?

If you’re one of the 53% of Americans who feel anxious when thinking about your personal finances, I would encourage you to ask yourself why. If you determine that debt is making you anxious or is keeping you from meeting your other financial goals, call Giles & Lambert, P.C. for a free bankruptcy consultation.

https://www.cnbc.com/2019/10/19/amercians-are-more-stressed-than-ever-over-money-what-you-can-do-about-it.html?fbclid=IwAR2OIlAZ2ljwpRyMm9yziU72oLHnGz1njkFEaNuYmtGutHymTItVpx15HjA

Giles & Lambert, P.C. is a proud sponsor of the 2019 VPLC Statewide Legal Aid Conference. Heather, an attorney with the firm, attended the conference last week. Trainings like these are important for many reasons, but making and sustaining statewide connections is a key benefit to our clients. When hiring an attorney, understand that matters may arise outside of the attorney’s day-to-day practice area, so it is critical that the firm you hire have a network of other professionals to consult.

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It’s (personal property) Tax Time

If you own a car or other type of motor vehicle, you will likely soon be receiving your personal property tax bill (if you have not received it already). For many folks, they will receive one bill from the treasurer of the county in which they live. Some will also receive a personal property tax bill from the town they live in. In many localities, bills are sent to residents in September or October, and the balances are due by early December. Because there is variation as to when bills are sent and the due dates, be sure to pay attention to your mail and read your bill carefully.

Though you may only receive one bill per year, it is important to think about the bill before it comes in the mail. If you have purchased or sold vehicles, make sure you know when those transfers occurred. Since many localities (but not all) assess taxes based on the number of months you own a given vehicle, you will want to make sure you have that information so you can check your bill for accuracy. If any of the information in the bill is wrong, you will want to address that with your locality. If opening the bill you received left you with sticker shock, going forward you’ll want to consider putting money aside each month so that you have the funds on hand to pay for next year’s personal property taxes.

If you are unable to pay your personal property tax bill by the due date, you may find that you are unable to renew your vehicle registration (the DMV link provides information https://www.dmv.virginia.gov/vehicles/#denials.asp) or that your locality has taken other action to collect, such as taking some or part of any Virginia state refund you may file. Remember that your locality may offer payment options, so be sure to check. While past due personal property tax is often not dischargeable in bankruptcy, bankruptcy may be able to provide a way of managing back due personal property tax debt. Further, if other debt is keeping you from being able to pay, contact Giles & Lambert for a free bankruptcy consultation to see if bankruptcy may help you.