Tour of Destruction Update

After an early lead, our bus croaked and dropped out of the race. If debt is making you want to drop out, come see Giles & Lambert for a free bankruptcy consultation and a jump start on better credit!

Bankruptcy can help you clear up credit and buy a car that will NOT croak on the roadside.

Hospital on your heels for your unpaid medical debt? You are not alone.

Medical debts, especially those owed to hospitals, are not uncommon. If you are unable to pay the bills owed to the hospital, you may find yourself at the receiving end of collection letters, phone calls, lawsuits, or even garnishments, just to name a few. At Giles & Lambert, we have helped many clients who were struggling with medical debt they could not pay. To see if Giles & Lambert may be able to help you, give us a call today at (540) 981-9000 for a free bankruptcy consultation. We welcome the opportunity to see if we can help you, too.

https://www.cnn.com/2019/09/10/health/carlsbad-new-mexico-hospital-eprise/index.html?fbclid=IwAR3yb6UGeIY6HTcsYPonI9DA6NAl3e6ANWfk6pHihNIjhh5ThOmowE5g6pA

Heads up! In case you haven’t heard, for those who filed a Virginia tax return in 2018, you may soon be receiving a one-time refund check from the state. For eligible individual filers, the refund amount will be $110, while eligible married couples will receive $220.  Refund checks will be issued beginning around mid-September.

For those who owe Virginia or IRS taxes other state courts or local governments, the amount of the one-time refund will be applied toward the outstanding balance you owe.

If this refund is not enough to put a dent in your debts, know that Giles & Lambert may be able to help.  We offer free bankruptcy consultations and would gladly schedule you to meet with one of our attorneys.  Call (540) 981-9000 to schedule your appointment. 

https://www.roanoke.com/news/politics/virginia-taxpayers-must-file-returns-by-july-to-qualify-for/article_71c92958-2b2f-5082-9180-1ea98db94cc7.html

OUTRUN YOUR DEBT

The Giles & Lambert #21 OUTRUN YOUR DEBT car took home a 5th place finish at the Motor Mile Speedway this past Saturday night after “25 beatin’ and bangin’ laps” (in the words of the #21 driver Wayne Corprew)! Wayne sends thanks to everyone who has helped the team this year.

The #21 car’s last race of the season will be a 50 lap race on Sept 7th at the Motor Mile Speedway. We hope you will bring your friends and family out for what can definitely be a budget-friendly evening!

And of course, if you need helping Outrunning YOUR debt, call Giles & Lambert at (540) 981-9000.

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August 25, 2019

Giles & Lambert partner and attorney Malissa Giles has been recognized as the 2020 “Lawyer Of the Year” for Roanoke in the area of Bankruptcy and Debtor Rights / Insolvency and Reorganization Law by US News Best Law Firms/Best Lawyers. Giles & Lambert P.C. has been consistently ranked as Tier 1 Bankruptcy firm since 2008 by US News/Best Lawyers and both Tracy Allen Giles and Malissa Lambert Giles have been recognized in Best Lawyers since that time. Only a single lawyer in each practice area and community is honored with a “Lawyer of the Year” award. This is this second time Malissa has received this recognition.

Professional awards are nice and they can demonstrate a level of competence you should look for in an attorney. But beyond that, if you are considering bankruptcy, look at the local reputations of attorneys and firms. Make sure you are selecting a firm knowledgeable in the law, but also one who will treat you with respect and understanding. It is tough to make the decision to seek financial help and consider bankruptcy. Our team at Giles & Lambert strives to put our legal knowledge to work for you in a compassionate, understanding manner and to make the process as simple as legally possible.

If you are facing financial difficulty, call us today at (540) 981-9000.

Budget Back to School Lunches

With many children returning to school, many parents are trying to figure out how to provide their students with the best lunches possible while staying within their grocery budget.

One of our attorneys says her kids (and she!) love when there are leftovers they can take for lunch the next day.  For leftovers that need to be warm, she sends each child to school with a thermos to keep food heated until lunchtime.  

The article below gives additional money-saving ideas for children’s lunches in this busy, back-to-school season. https://www.prudentpennypincher.com/cheap-healthy-lunch-ideas-kids-week-2/

We would love to hear your ideas – what are your money-saving lunch tricks?

Creditor Hounding You for Zombie Debt? Don’t be part of the Walking Debt Dead!

Sometimes folks get a bill from a debt collector for a debt that is years and years old – so old it is considered Zombie debt! In fact, you may not even remember incurring the debt.

If you have old debts, collectors may not be able to sue you to collect on them. This is because debt collectors have a limited number of years – known as the statute of limitations – to sue you to collect. After that, unpaid debts are considered “time barred.”

The limitations varies from state to state, but in Virginia it is usually 3 years for an oral contract and 5 years for a written contract. But beware, the statute of limitations is an “affirmative defense” if a creditor sues you in court. This means if a lawsuit is filed on old debt, you must show up and raise the defense that the debt is too old. The judge will not do that for you if you fail to show up to court.

The Fair Debt Collections Practices Act bars creditors from collecting on debts that are beyond the statute of limitations. But many tricky collectors are trying to get around that law by reviving old debt and tricking you into waving the statute of limitations. If you voluntarily make a payment on a debt, then the 3-5 year limitation period starts ALL OVER AGAIN. As such, if you think a debt collector is trying to collect on an old debt – DO NOT SEND THEM MONEY. Consult with an attorney on whether the statute of limitations applies to your particular debt and situation.

The article linked discusses the tricky ways some debt collector are trying to revive old debts. https://www.washingtonpost.com/…/zombie-debt-how-collecto…/…

Here at Giles & Lambert, we would encourage you to contact us for a free bankruptcy consultation if you are struggling with debt, new or old. In the event most or all of your debt is old, sometimes filing bankruptcy makes sense and sometimes it doesn’t. Call today to meet with one of our attorneys for a free bankruptcy consultation or advice about whether a debt collector is violating the Fair Debt Collection Practices Act.

New Virginia Law Provides Drivers License Reinstatement for Some

On July 1, 2019, one of the many new laws that went into effect concerns the reinstatement of drivers licenses for drivers owing court debt.

Prior to July 1, 2019, for individuals with past due and unpaid court fines or costs, the individual could have been subject to suspension of their drivers license until the outstanding court fine or cost was paid. According to the WSLS news article shown below, prior to the July 1 change in Virginia law, over 600,000 Virginians had their drivers licenses suspended due to unpaid court fines and costs. https://www.13newsnow.com/article/news/local/virginia/virginia-lawmakers-vote-to-end-drivers-license-suspensions-for-unpaid-court-fees/291-30d3c5bb-d0e5-4b86-ac6a-bbc9c2216764

Under the new rule effective July 1, those whose drivers licenses had been suspended due to unpaid court fines and costs will be reinstated without the requirement that a reinstatement fee be paid.  The new law also outlaws future drivers licenses suspensions for a person’s failure to pay his or her court fines or costs. 

While the new law removes the concern a person may have about having his or her drivers license suspended due to having unpaid court fines or costs, the new law does not mean a person is no longer liable for or obligated to the pay the underlying court cost or fine.  According to the Code of Virginia, each court to whom a person owes an unpaid court fine or cost can attempt to collect to recover.  If you are struggling with debt, including court fines, contact Giles & Lambert for a bankruptcy consultation to discuss whether bankruptcy can provide the debt relief you need. 

OUTRUN YOUR DEBT

Suspense was the name of the game for the #21 Outrun Your Debt car during Saturday night’s twin super street races! Driver Wayne Corprew brought home a sixth-place finish in the first race and a fifth place finish in the second race of the evening. Wayne says he and the rest of the #21 racing team plan to make the most of the next two races with the hope of getting the #21 Giles & Lambert car to victory lane

In addition to other race fans, several Giles & Lambert team members came out to cheer on the #21 car. If you need help to outrun YOUR debt, these are some of the faces you may see in our offices if you visit.

Giles & Lambert, P.C. offers free bankruptcy consultations at each of our three offices (Roanoke, Blacksburg, and Martinsville). Racing fan or not, we are eager to meet with you about the possibility of helping you outrun your debt

Roanoke: 540-981-9000
Blacksburg: 540-961-2000
Martinsville: 276-632-7000