REASONS FOR DELAY IN WORKERS’ COMPENSATION CASES

[1]

When the goal of a workers’ compensation claim is to receive benefits to provide for recovery of an injury, the light at the end of the litigation tunnel seems distant without incurring any delays. Filing a workers’ compensation claim can already seem like a minefield of unknowable traps and obstacles lying in wait without accounting for the likelihood that your case’s end could be pushed back again and again. When medical bills are piling up, the financial stress only adds to the pain of the injury. Rather than leaving more questions unanswered, this article’s aim is to shed some light on what goes on behind the curtain.

Written notice of your injury to your employer must be given within ninety days of the accident for the injury to be compensable, though reporting the injury within five days is recommended. After this, you have two years to file a claim for workers’ compensation benefits. In turn, your employer will notify its insurance provider of the claim for benefits in order to determine the compensability of the injury.[2] This is the starting point of using delay as a tactic against the employee during the compensation process.

It is imperative to keep in mind that insurance companies, like any other corporation, operate for the purpose of turning a profit. While insurance firms may market themselves as for the people or for the employee’s benefit, the financial bottom line is still a driving force of its operation. This leads to insurance adjusters causing undue delay when responding to claims. For example, an adjuster for the insurance provider may ask for an employee to provide information to the insurance firm that is not needed but takes time to produce. Once the information is provided, the adjuster may take longer than necessary to respond to emails or communications from the employee, causing further delay.

The purpose in delay is twofold. On the one hand, it prolongs the time until the insurance provider must pay out the benefits to the claimant, and on the other, it weakens the position of the employee, creating a dire need for benefits so that the employee is willing to accept a lower settlement offer. Insurance companies maintain funds in interest-accruing account. The longer a larger sum is left in the account, the greater the return on the principal. This creates the incentive for insurance companies to delay paying out large lump sum benefits. The delay in a return on the claim, in turn, creates a struggling financial situation for the injured employee who cannot return to work, yet has medical bills stacking up that must be paid. When money is sorely needed, the insurance provider can get away with paying less to the employee who will take whatever he can get in order to avoid amassing debt.

This is the reason consulting a workers’ compensation is of the utmost importance. There is more than meets the eye with filing a claim for work comp benefits, and every employee deserves full compensation for injuries sustained on the job.

If you are hurt on the job due to unsafe working conditions, seek legal counsel, as you may be entitled to workers’ compensation or other benefits. As we have since 1967, we will continue to protect the legal rights of our clients – those who are hurt on the job while working for Alabama employers.  If you have been injured on the job and want to learn your rights, please consider contacting the Nomberg Law Firm. Our office number is 205-930-6900.

---

Bernard D. Nomberg has been a lawyer for more than 20 years. Bernard has earned an AV rating from Martindale-Hubbell’s peer-review rating. In 2020, Bernard was named a Super Lawyer for the 7th year in a row.

 

[1] https://www.hq-law.com/blog/workers-compensation/bad-faith-delay-in-payment-workers-compensation/.

[2] https://www.workplacefairness.org/file-workers-comp-alabama#5.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/reasons-for-delay-in-workers-compensation-cases/

MAJOR LEAGUE BASEBALL AND WORK COMP CLAIMS

[1]

February 17th was the general reporting date for Major League Baseball’s (MLB) annual Spring Training. All players reported to camp by February 26th. The 2021 season has its Opening Day scheduled for Thursday, April 1, 2021.[2] In the time of COVID-19 and working from home, the thought of regular baseball games to break up the monotony is a bright spot of hope for many. The drama of wins and losses, injuries, and triumphs, will provide much-needed excitement for those of us still unable to regularly meet others face-to-face.

While the game of baseball for fans may be just that, a game, for those on the field, it is their place of work. So what does that entail when a player is injured during a game or training? It happens almost weekly during the season – serious injuries to stars, subs and anyone who is putting their body on the line for their profession. Some injuries are career-ending. Bo Jackson, Tony Conigliaro, and Kerry Wood are three who come to mind. However, most injuries sideline the player for the season or certain periods of recovery. The 2020 season was largely lost to injury for Noah Syndergaard (Tommy John surgery), Stephen Strasburg (carpel tunnel neuritis), and Yordan Alvarez (knee). If the MLB is considered a workplace for its players, does that make injuries compensable by workers’ compensation?

According to a The New York Times report, pursuant to the MLB Collective Bargaining Agreement, since 2003 workers’ compensation insurance covers injuries that incur while a player is “on the job.” Baseball teams are generally obligated to cover the full cost of any medical care that a player requires for a baseball-related injury, regardless of the financial benefits to which the player may have been entitled under workers’ comp. This policy is for more than just the players, it includes any employee of the team as well. The other employees include front office personnel, food services and ushers, team trainers, and many others.

The only difference between team costs on premiums depends on the payroll size, the injury the team must cover, and the fee schedule of the state in which the team operates. What this boils down to is simple. The team covers the cost of the injury, and the player signs over the right to the team to recoup what it can from the workers’ compensation policy. Anything that the policy does not cover is the responsibility of the team. Regardless of the cost of the surgery or the expense of rehabilitation, the team is on the line, as the employer, to foot the bill for the entire amount.[3]

The difference between an injury for a Major League Baseball player and a general employee is that the baseball player does not require temporary disability benefits because he retains the ability to receive his usual salary while sidelined. The only potential point for which a player would seek additional benefits would be if he needed long-term benefits after suffering a career-ending injury. But in the event that a player can heal and return to the game, the team keeps whatever money it can recover in order to offset its costs.[4]

While we all hope our favorite players avoid any injuries this season, at least MLB has a fine-tuned way to get its players back in the game.  Play Ball!

If you are hurt on the job due to unsafe working conditions, seek legal counsel, as you may be entitled to workers’ compensation or other benefits. As we have since 1967, we will continue to protect the legal rights of our clients – those who are hurt on the job while working for Alabama employers.  If you have been injured on the job and want to learn your rights, please consider contacting the Nomberg Law Firm. Our office number is 205-930-6900.

---

Bernard D. Nomberg has been a lawyer for more than 20 years. Bernard has earned an AV rating from Martindale-Hubbell’s peer-review rating. In 2020, Bernard was named a Super Lawyer for the 8th year in a row.

 

 

[1]  Sean M. Haffey/Getty Images

[2]  https://www.cbssports.com/mlb/news/ranking-mlb-teams-by-pressure-to-win-2021-world-series-yankees-take-top-spot-from-dodgers-mets-in-top-five/

[3]  https://www.nytimes.com/2013/09/19/sports/baseball/harvey-is-covered-like-any-worker.html?searchResultPosition=1

[4] https://blogs.fangraphs.com/major-league-baseball-and-workers-comp/.

 

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/major-league-baseball-and-work-comp-claims/

TIPS FOR APPLYING TO LAW SCHOOL

[1]

Applying to Law School

How to Stand Out in the Crowd

 

You have finally made it through all of undergraduate school. It may have seemed like a holding pattern keeping you from finally getting where you have wanted to be all along. Law school. But now that the time has come to apply, what is it exactly that you should be focusing on? The LSAT is only a portion of your application package, so after the test is over, the real work begins.

The most important piece of information regarding the application process is the one that applies to nearly every area of the process: remember that law schools are looking at your whole person. Admissions officers are seeking to understand who you are as a person, not just as a student. While LSAT scores and undergraduate GPA factor greatly into the decision, schools look beyond statistics to gain a better sense of the person behind the numbers. This is where the personal statement takes center stage. This is the applicant’s opportunity to show off not only writing abilities, but a spark of personality. Humanizing yourself to the admissions officer makes a stack of papers stick out. Are you the first in your family to attend law school? What do you plan to achieve by earning a juris doctor? Be genuine and honest in your answer, giving a complete picture of who you are as a person. This can also be the place to compensate for a lower LSAT score or GPA if a standardized test is not the best representation of who you are as a student.[2]

Including letters of recommendation with your application can only help your chances of gaining acceptance. Ask for letters from people such as employers, professors, or mentors who can sing your praises. Make sure that these writers have known you for a significant period in order to give the letter greater weight. If the recommender can attest to your personal growth and achievement over a considerable time, all the better.[3]

Apply to a school that meshes with your goals. If your dream is to be a litigator, search for a law program that boasts trial teams and moot court competitions. If public speaking sounds like your idea of a nightmare, look for a school that touts clubs which focus on transactional studies. Not all schools are equal for every person. Think beyond the law school ranking tiers and find a program the coincides with your plans for the future. Opportunities abound at every level of law school, so fixating on rank alone will keep you from a full scholastic experience.[4]

An area to an application given little thought, because it exists outside of submitted materials, is social media. With growing regularity, social media accounts are scoured as a potential source to accept, or reject, a potential candidate. Using your own name as your account handle is best practice if you plan to keep your social media public as an avenue to display to admissions officers that you have what they will look for in a potential student. Be sure that all the information you make public is of a nature that should be public. Check the photos you are tagged in and remove all traces of activities that would reflect poorly on your potential for academic success. If having your account set to public seems like too much exposure, ensure that your account is set to private. Your masthead photo will still be viewable, so make certain it is a photo you would be comfortable showing to the world, because the world is watching!

Finally, start early! The longer you wait to begin, the greater the margin for panic. While procrastination is peaceful in the moment, nothing compares to finishing your application in enough time to proofread for errors. All the time and hard work spent on your application would be cast in the shadow of missing commas and misspelled words. Can you imagine hitting send only to review your submission and be faced with a screenful of mistakes? Save yourself the heartache and get to typing. Your dreams deserve a head start.

Alexa Wallace is currently a third-year law student at Samford’s Cumberland School of Law, where she is the Research and Writing Editor of the American Journal of Trial Advocacy and Associate Justice of the Henry Upson Sims Moot Court Board. Wallace holds a master’s degree in applied cognition and neuroscience from the University of Texas at Dallas as well as a bachelor’s degree in psychology from Lee University. None of this would have been accomplished without the existence of croissants.

[1] https://www.shu.edu/pre-law/law-school-application-process.cfm.

[2] https://www.lsac.org/blog/deans-share-tips-law-school-application-process.

[3] https://www.thebalancecareers.com/law-school-admissions-tips-2164363.

[4] https://money.howstuffworks.com/personal-finance/college-planning/admissions/5-law-school-admission-tips.htm.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/tips-for-applying-to-law-school/

CAN I FILE BANKRUPTCY TO STOP A GARNISHMENT?

One of the most difficult forms of debt collection to overcome is wage garnishment.  Creditors, such as credit cards and medical bill collectors, can often take up to 25% of your net pay.  Debts owed to taxing authorities, such as the IRS, may result in even more being deducted. If you are living paycheck to paycheck, a wage garnishment can ruin your family budget.

A garnishment works like this:  The Creditor will file a Process of Garnishment with the court where it has obtained a judgment against you.  The court will then serve the Process of Garnishment on your employer or your local bank depending on where the Creditor believes it can get the most money.  After your employer or bank is served, you will receive notice of the garnishment giving you an opportunity within 30 days to claim an exemption or file an objection to the garnishment with the court.

Your employer is required to start deducting up to 25% from your wages and send the money to the court.  The Clerk of Court holds the money until the funds are condemned by the Creditor.  The Creditor must file a Motion to Condemn the funds before they are paid from the Court to the Creditor.

This is where bankruptcy can provide you the relief that you so desperately need. The bankruptcy code provides a powerful tool called the “Automatic Stay” which stops the garnishment cold in its tracks.  Once a bankruptcy petition is filed, the automatic stay goes into effect and requires creditors to cease any further collection efforts on the debt.

WHEN DOES THE STAY APPLY?

The stay takes effect as soon as a Voluntary Petition is filed. When filed, a notice is sent to all creditors, informing them of the stay. The notice is usually sent out within a day or two of filing. Rather than waiting, a copy of the notice can usually be obtained from the court docket on the date of filing.  It can then be hand-delivered, faxed, or electronically delivered to the creditor. Since an employee’s wages are being garnished, a copy should go to the employer’s HR department.  The sooner this is done, the sooner the garnishment can be stopped.

CAN I GET MY MONEY BACK FROM THE COURT?

If you file bankruptcy before the funds are condemned by the Creditor, the Clerk of Court will return the money to your employer, who will pay the money back to you.  This is why the timing of your bankruptcy is so important.  Once the funds are paid to the Creditor, the funds are no longer property that you can retrieve just by filing for bankruptcy protection.

If the Creditor attempts to garnish your bank account, the funds in the account will be frozen on the date that the garnishment is received by the bank.  A garnishment sent to your bank is considered a “one-time” garnishment, meaning it does not automatically continue like a wage garnishment.  Once the money is sent from the bank to the court, the bank is no longer obligated to continue sending money to the court.  The Creditor would need to serve another Process of Garnishment on your bank to have it freeze any future funds that you deposit in the bank account.  Filing for bankruptcy will stop the garnishment and force the bank to release the funds in the bank account to you.

WHEN DOES THE STAY NOT APPLY?

The stay does not apply to domestic support obligations, i.e. child support and alimony payments. If a wage withholding order is in effect for either of these obligations, the bankruptcy court will not stay the order, and the support will continue to be deducted from your wages.

If you had two previous bankruptcy cases dismissed within a year of commencing the present case, the stay will not be automatic. Thus, garnishment could continue. However, you may file a motion with the court to impose the automatic stay if you can prove that your current bankruptcy case was filed in good faith.

If you are struggling to pay your debts and concerned about the future welfare for you and your family, it is important that you seek the advice of a bankruptcy lawyer to ensure that your assets are protected and the debts you seek to eliminate are dischargeable.  Our attorneys have been assisting consumers and business owners with bankruptcy matters for over 25 years.  If you are considering filing for bankruptcy, please consider contacting the Nomberg Law Firm.  Our office number is 205-395-0532.

Steven D. Altmann has been a lawyer for more than 25 years. Steve has earned an AV rating from Martindale-Hubbell’s peer-review rating and was recently named a Super Lawyer and Top Attorney by Birmingham Magazine in the area of Bankruptcy Law.

---

We are a Federal Debt Relief Agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/can-i-file-bankruptcy-to-stop-garnishment/

LESSONS LEARNED ALONG THE WAY—REFLECTIONS OF A THIRD YEAR LAW STUDENT

Entering the world of law seems a daunting task for us mere mortals just making our start in the industry. Television shows, books, and movies memorialize the law field and the powerhouses that fill it. We see men and women command courtrooms with gravitas and the right amount of drama. Last-minute strokes of genius inspire newbie associates to find the hidden clause in a contract and bring the client victory. A lost witness comes forward at the close of a trial to win over the jury and seal the guilty verdict. While these images are awe-inspiring, they tend to make setting foot in the actual field seem an insurmountable goal and the giants that have already “made it” cast shadows over the hopes of first-year students.

As a soon-to-be graduate and newly minted lawyer myself, I have felt the trepidation that walks hand-in-hand with striking out on a specific career path. Nothing compares to the bewildering newness and overwhelming deluge of information packed onto your plate in those early days. It seems like the start of every class is actually the middle of the semester and everyone knows what is happening except for you. Reading lists are distributed a week before classes start and you should be five chapters into every book before day one even dawns. Oh, and you should have at least an intermediate level understanding of Latin and finding cases in the stratosphere of law databases. All in a single day’s work, right?

I fell into that trap myself, thinking I should have it all figured out while I whipped through assignments at warp speed. But standing on the precipice that is the end of school and the beginning of everything that comes next, I can see what law school was really meant to be. Law school is a boot camp not just for the mind but for your character. The pace and volume of material, while torturous at the time, was not meant to drill into my head that I was inadequate, it was a reminder that lawyers are responsible for the burdens of clients.

What those courtroom dramas and glamorized shows got right was the importance of the job. People turn to lawyers to find someone who will stand up for them when they cannot fight on their own. Law students are not given a break because the world does not take a break. There will always be something new to address, some new wrong to be righted. The three years spent in libraries, classrooms, and intern cubicles is transformative. Stripped away is the fear of failure because of all that is still unknown. What remains is the drive and determination to armor ourselves with knowledge and the skills necessary to bring justice to any situation. Because that is what learning the law is truly about. Not the admiration of juries or awards adorning walls, it is the license to stand in the gap for people and be their advocate.

Alexa Wallace is currently a third-year law student at Samford’s Cumberland School of Law, where she is the Research and Writing Editor of the American Journal of Trial Advocacy and Associate Justice of the Henry Upson Sims Moot Court Board. Wallace holds a master’s degree in applied cognition and neuroscience from the University of Texas at Dallas as well as a bachelor’s degree in psychology from Lee University. None of this would have been accomplished without the existence of croissants.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/reflections-of-third-year-law-student/

IS THE END REALLY THE END? THE TRUTH ABOUT REOPENING YOUR WORKERS’ COMPENSATION CASE

[1]

Finally finding a resolution to your workers’ compensation claim is the main goal of most every injured employee. It is far from easy to be in pain and navigate the whirlwind of paperwork and doctors’ visits that go along with an objectively tedious and trying time. So, once a claim has concluded, money has been awarded, and you, as the employee, attempt to wade back into your duties at work mindful of the injury that took you away, to begin with, why should you bother wondering if you should reopen your claim?

To illustrate why this option could be of importance to you, consider this example. Suppose there is an employee working on a job site, and one of his duties involves climbing up and down ladders. The employee has been properly trained and is following all the safety protocols mandated by his employer. One day, this employee falls while climbing the ladder and suffers a significant injury to his back. The employee undergoes surgery and physical therapy, all covered by his workers’ compensation settlement with his employer. Eventually, the employee returns to work, yet he is unable to perform his previous duties. The employee then loses his job for a reason that does not include a “labor dispute,” voluntary resignation, dishonest or criminal act, actual or threatened misconduct after a previous warning from his employer, or a lapsed vocational license. This employee is then able to reopen his workers’ compensation case to obtain a reconsideration of his permanent partial disability rating.

Had the employee worked in a different state, the same conclusion to the story might not be written. However, the state of Alabama allows for workers’ compensation claims to be reopened if the employee is terminated any time within 300 weeks of his injury. This means that regardless of a previously concluded claim, an employee may reopen his case within two years of the termination in order for his rating to be reconsidered, so long as his termination does not fall within one of the five exceptions mentioned in the example above.[2]

A change for the worst in your employment status after attempting to return to work is not something you have to endure without complaint. Even after a successful claim for injury compensation, as an employee in Alabama, you are entitled to further compensation in certain cases after termination. Contact a workers’ compensation lawyer to learn if your claim meets this standard.

If you are hurt on the job due to unsafe working conditions, seek legal counsel, as you may be entitled to workers’ compensation or other benefits. As we have since 1967, we will continue to protect the legal rights of our clients – those who are hurt on the job while working for Alabama employers.  If you have been injured on the job and want to learn your rights, please consider contacting the Nomberg Law Firm. Our office number is 205-930-6900.

 

[1] https://www.coloradolaw.net/practice-area/workers-compensation/how-long-does-workers-comp-take-to-settle/.

[2]Ala. Code § 25-5-57(a)(3)(i) (2020).

---

Bernard D. Nomberg has been a lawyer for more than 20 years. Bernard has earned an AV rating from Martindale-Hubbell’s peer-review rating. In 2019, Bernard was named a Super Lawyer for the 7th year in a row.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/the-truth-about-reopening-your-workers-compensation-case/

DISTRESS SIGNALS THAT YOUR BUSINESS IS IN TROUBLE

As anyone who has ever started their own business will attest, there is a huge financial risk involved.  Typically, small business owners invest their own money, or they will seek a bank or SBA loan to provide start-up capital for the business.  On the other side of the risk involved, are the substantial rewards that many entrepreneurs seek when starting a new business.  They get to be in control of their work environment, set their own work/life balance and reap the financial rewards that often come from being able to manage their own company.

But what are small business owners supposed to do when revenues are down, and their expenses are going up from having to change their operations in the middle of a worldwide pandemic?  The key to survival during these difficult economic times, is being able to identify the signs of financial distress and to determine whether the company can manage its business without having to file bankruptcy.

CASH FLOW or LIQUIDITY

Obviously, if the company runs out of cash, then it will be difficult to continue to operate.  So, it is imperative for business owners to monitor their income statement to ensure that the company is operating in a positive cash position each month.  If cash flow is negative for a sustained period, it usually means that the owners or shareholders will have to invest more of their money or borrow on a line of credit to keep operating.

If a company is liquid, it has enough assets in cash to make payroll and pay immediate bills.  If a company is unsure if it will have enough cash to operate 30 days out, then that is one of the distress signals that may lead the owners to consider alternative measures to generate cash, such as liquidating inventory or factoring receivables.

DECLINE IN REVENUES

Poor sales growth could indicate a lack of consumer acceptance of the company’s product or services.  If sales are slow, then the company may be forced to sell its product or service at a loss to sustain its business.  Reviewing a profit and loss statement each month will show sales revenues and enable a company to chart whether sales are growing or declining.

POOR PROFIT MARGIN

Poor profits are usually the first sign that the business is not doing well.  If the profit margin is low or declining each month, then that means the business expenses are too high or the company’s sales are poor.  When a business struggles to earn profit, business owners will often have to ask themselves whether it is worth continuing to funnel more of their own money into the business just to make ends meet.  If a company is forced to raise money externally, it will raise its business risk and lower its creditworthiness with creditors, suppliers, investors, and banks, eventually limiting access to outside funding.

DEFAULTING ON PAYMENTS OR EXTENDING PAYMENTS

If a business is delinquent on payments or has to continually ask for more time to make payments, it hurts the company’s reputation and suppliers, or other critical vendors could force the company to change its payment terms to cash-on-delivery (COD).  Trying to do business on COD will put extra pressure on the company’s cash flow.

Also, if the company is having to extend longer payment terms to its customers for its receivables, the business will likely start to feel the cash crunch as well.  Customers who are paying slowly should be notified immediately, particularly when the company depends significantly upon one or two major customers.  In this situation, the risk of financial distress becomes even greater.

ADVERSE COMMUNICATION FROM BANK OR LENDER

Falling behind on payments with a secured lender or bank will usually result in diminishing the relationship and good will that the company developed when the loan was initiated.  The lender may ask for additional security or personal guarantees of related third parties when the company seeks additional funding.  Keeping open lines of communication is paramount to furthering the company’s banking relationship and enhancing its opportunities for additional financing during times of financial distress.  If the secured lender sends a notice of default, it usually means that communication has eroded, and the company will have to look for other avenues to bring the lender current.

EMPLOYEE TURNOVER

Changes in senior management and in employee turnover tend to be an early warning sign that a business is in trouble.  Each industry will have specific challenges, so business owners will need to monitor employee turnover to determine if the layoffs are tied to financial cutbacks or some other strategic reason.  The bottom line is that businesses in financial distress are rarely happy, which means employee moral may be low and upper management may be on edge and stressed about job performance.

If a significant division of the company decides to leave or join a competitor, the company will need to reassess its profitability and whether it can sustain the loss of key employees or find others who can step into their roles within the company.  Either way, employee turnover is a signal of financial distress.

CHANGES IN THE MARKET

Small businesses need to be watching for any downturn in the economy.  It is not always as easy to see as a worldwide pandemic.  But, losing a critical customer or a principal supplier can adversely affect company sales.  Any of these factors combined with the appearance of a strong competitor or an unexpected shift in consumer spending habits could put serious pressure on a company’s revenues and profitability.

SOLVENCY

One of the key measures of a company’s viability is its solvency.  A business is solvent if it has enough assets to cover its liabilities.  Solvency is measured with a business ratio called the “current ratio’ that compares current assets (receivables, supplies and inventory) to current liabilities (taxes, payroll and monthly debt service).  The “current ratio” is supposed to be 2:1, meaning the value of a company’s current assets should be twice as much as its current liabilities.  If a company can maintain this ratio, it can handle emergencies and pay its bills over a short period of time.  Failure to maintain this ratio will likely lead a company into financial distress.

While it may seem obvious to measure financial distress by a lack of cash to operate the business, many warning signs are present well before a company is forced to shut its doors. Once a company finds itself in financial distress, it should develop a proper course of action to address the issues at hand.

If you are struggling to pay your debts and concerned about the future welfare for you and your family, it is important that you seek the advice of a bankruptcy lawyer to ensure that your assets are protected and the debts you seek to eliminate are dischargeable.  Our attorneys have been assisting consumers and business owners with bankruptcy matters for over 25 years.  If you are considering filing for bankruptcy, please consider contacting the Nomberg Law Firm.  Our office number is 205-395-0532.

---

Steven D. Altmann has been a lawyer for more than 25 years. Steve has earned an AV rating from Martindale-Hubbell’s peer-review rating and was recently named a Super Lawyer and Top Attorney by Birmingham Magazine in the area of Bankruptcy Law.

We are a Federal Debt Relief Agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

from The Nomberg Law Firm – Birmingham Workers' Compensation & Personal Injury Lawyers https://www.nomberglaw.com/blog/distress-signals-that-your-business-is-in-trouble/