Legal Clinic of Semmes & Semmes

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The Legal Clinic of Semmes & Semmes is a law firm was built on a philosophy that every client's case is the most important, and that each of our clients deserves our very best work. Founded in 1979, the attorneys at the Legal Clinic of Semmes & Semmes are ready to assist you in your legal matters. We strive to understand our clients' problems and solve those problems with an insightful, common sense approach using our collective legal and practical skills.
If you need the expertise of one of our lawyers or have a question about our law firm, spend some time looking around this site, then call or e-mail us. We're ready to give your legal problems the attention they deserve. That's our promise.

A Chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.
Chapter 7 bankruptcy is sometimes called liquidation bankruptcy. A Chapter 7 bankruptcy cancels your debts, but you might have to let the bankruptcy court sell some of your property for the benefit of your creditors. The whole Chapter 7 bankruptcy process takes about four to six months, and commonly requires only one trip to the courthouse.

Divorce, custody, child support and visitation are matters of state law. In a divorce, issues of property division, child support, child custody, and alimony are decided by the judge in a trial, or agreed on by the parties in a Separation Agreement.
With an understanding and compassion for the delicate issues associated with Alabama divorce and family law, the Legal Clinic of Semmes & Semmes is committed to obtaining positive results for each of its clients. We strive to do so by delivering positive results in an optimum, cost-efficient and practical manner with the client having the opportunity to dictate how he or she would like to have their matter handled.

To receive benefits under the Social Security Disability or SSI program, you must have physical or mental health problems severe enough to keep you from working in any regular paying job for at least 12 months. The test isn't whether you are able to go back to your previous employment; and the test isn't whether you've been able to find employment lately. The test is whether you are capable of doing jobs available in the national economy.
Statistics have shown that people represented by attorneys have been successful more often than people without attorney representation. you should contact an attorney as soon as your Initial Application is denied. The earlier an attorney is able to start working on your case, the better your chances of winning. The Legal Clinic of Semmes & Semmes is committed to obtaining positive results for each of its clients.

those who service loans do the paperwork, sends out bills, and collects monthly mortgage payments actually earn more for foreclosing homes rather than modifying loan

It used to be that every time a bank sold a mortgage, the county land recording office received a fee. It wasn’t much $30 or so but then real estate boomed in the 1990s, and banks pooled millions of mortgages into securities that investors bought and sold.
One mortgage transaction became a dozen or more, and the tab grew ever larger. So the banks came up with a way around the fees. And now they are fighting to avoid perhaps tens of billions of dollars in fees that have added up over the years.

The nations traditional property ownership registration system has been undermined by banks in their rush to process mortgages during the great real estate bubble, with consequences that now include a legal quagmire and huge financial liabilities for some of the nations biggest financial institutions.

Union County homeowner Barry Lancett signed two agreements with Wells Fargo this year to modify the terms of his mortgage but still received a disturbing piece of paperwork: a foreclosure notice. []

As the U.S. economy struggles to recover from a deep recession, the number of Americans filing for bankruptcy continues to rise dramatically. []

A Maryland homeowner asked a court to dismiss any Wells Fargo & Co. foreclosure actions in the state that involve affidavits given by a bank employee who said she signed documents without completely checking their accuracy

Tandala Mims was allowed to keep her two-family brick home in Bronx, New York, after Wells Fargo Bank NAs bid for foreclosure was rejected by a bankruptcy judge who said the banks paperwork was questionable.

Keynote Address by FDIC Chairman Sheila C. Bair to the Mortgages and the Future of Housing Finance Symposium

Speech by FDIC Chairman Sheila C. Bair discussing steps she believes must be taken to restore public confidence in our housing finance system.

Woman gets jail time for illegally collecting Social Security benefits after marriage

a federal judge here today ordered jail time for a woman who illegally collected more than $50,000 in Social Security benefits after a marriage that made her ineligible for the funds

An Albuquerque man who hid $54,000 in assets as he went through personal bankruptcy was sentenced to jail and restitution.

We Are A Debt Relief Agency.We Help People File For Bankruptcy Relief Under The Bankruptcy Code.

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.