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Lois R Beasley-Carlisle

Lois Beasley-Carlisle’s Answers

187 total


  • Is it legal for the defendants counsel in a wrongful termination case to prepare the memorandum opinion?

    My case was dismissed.I do have an appeals attorney looking over everything to let me know if he think he can get it appealed.I just realized the judge asked the defendant to prepare the memorandum opinion.I mean they really made me out to look r...

    Lois’s Answer

    This would be the problem with not having hired your own atty up front. Good luck with your appeal.

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  • Would my bankruptcy affect my ex husband if we used the same address?

    We divorced in 2000. My bankruptcy was completed in 2012. Now he owns a different house and my 20 yr old dtr lives with him. I now do long term housesitting and travel. I do not have an actual house that I live in. I would like to pay my dtr to h...

    Lois’s Answer

    Without more information an answer might be wrong. Depends.

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  • What is the simplest way to file for bankruptcy?

    I have a car repo on my credit history along with other debt that I am unable to pay.

    Lois’s Answer

    Hire an experienced bankruptcy attorney such as myself. There are several of us in Birmingham.

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  • How to answer felony question on application?

    I have three felonies and many misdemeanors when I was on drugs I'm trying to get a job and Im unsure of how to answer the felony question. I know to say yes I have felony convictions...but if yes explain is what is getting me. I really want the j...

    Lois’s Answer

    At this juncture you can put yes and explain it at the interview or put I'd like to explain the answer to this question in person. Expungement is possible but wouldn't happen quick enough to help you here. Immediately make an appointment with a lawyer to handle the Expungement. Our number is available should you wish to pursue this.

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  • I got a $2000 line of credit with cashnetusa. my understanding was the loan would be paid over a period of time.

    However the monthly payments have been huge. I have made 3 payments, $640, $620 and $540. My balance is still $2300. I hAve tried to get someone to explain why so high. Nothing makes since. What can I do to get payments lower?

    Lois’s Answer

    What's the interest rate? If your interest rate is say 150.00% you will never pay it off. I saw one poor lady had signed a contract that was 800% interest.

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  • How long must I pay chapter 13?

    In march 2010 we filed chapter 13 and the initial payment amount was $150. Then in May 2010 the plan was modified to $500 and confirmed in July 2010. The plan included our vehicle, a secured furniture loan (now paid off) and various unsecured cred...

    Lois’s Answer

    Make an appt and go see your lawyer. He can get an interim printout for you and explain this to you. The other answers are all good as well. You have to pay the full last confirmed time period on the modified plan especially when you are paying a pot. It won't pay off early.

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  • How long will my boyfriends probation be

    My boyfriend went to jail for violation of probation. He was not paying on his fines and he did not check in with his probation officer. He is listed as a sex offender and already did his time for it.

    Lois’s Answer

    He may have to serve the rest of the time on this probation sentence. Also FYI - he can pick up a new felony for failure to register if he did not do this. I hope he makes sure he registers each time he is supposed to. I have seen sex offenders pick up this felony over and over and over. I had one sex offender picked up another failure to register charge while in prison on another charge and he decided to plea this one out and let it run concurrently with the current charge to save himself the extra time. I didn't necessarily agree with this decision as it gave him another felony on his record, but I honored it as it is their decision. If he does not have an attorney hire one. If he does go meet with him.

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  • I have a title pawn on my car that I have been paying on for about 7 years and now I just want to park the car in their lot.

    Will they just take the car and consider it payment in full or will they come after me for something??

    Lois’s Answer

    Have you tried asking them how much you can pay to just pay it off? Have you tried talking to them and saying look I've paid you 15,000 now for that 2000 I borrowed. Can u consider this debt paid in full?
    Someone else may be happy to pay it off and take it off your hands. One of my relatives was in the same shape and I paid his truck off and gave that truck to my son. Advertise it for sale for whatever the payoff is. They can meet you at the title pawn.
    Have you the need of bankruptcy? You could put it in a debtor court at 5% interest and actually pay it off.
    I've not seen a title pawn company sue anyone as usually they are happy to get the car but ... Just ask them if they wilt she it back and relieve you of liability.

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  • In Alabama, can I be held responsible for my spouse's medical bills incurred before we were married?

    My wife incurred some medical bills from before we were married at a hospital in Alabama, and it was sent to a law firm for collections. This collections acct has NOT sought a judgment yet, because I am making monthly credit card payments of l...

    Lois’s Answer

    The answer to that question could be, "Did you signed a contract obligating yourself? Do you have joint assets? Do you have a joint bank account a creditor can garnish? If any of these are affirmative you could find yourself with a problem in the future like an emptied bank account or a lien on your real estate. Perhaps she can hire an attorney and file a form of bankruptcy if she has a lot of bills?

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  • Help with taxes/divorce issues

    My husband and his ex wife both owe the IRS $. She didn't work any last year and the $ owed was from when they were married but she is saying she isn't gonna pay any of it and the IRS won't hold her responsible. They filed together when this happe...

    Lois’s Answer

    If she never works or has any assets there is nothing there for the IRS to garnish or levy. He could well have to pay it all. What do the divorce papers say about the tax debt and about claiming the children? Also if it is a lot of tax debt he could try a Chapter 13 / possibly a Chapter 7 bankruptcy or an Offer in Compromise. He could possibly take her back to court for contempt and get a bargaining chip to get her to agree to his
    claiming the children if she was supposed to pay 1/2 the tax debt for example. There are a lot of different things to look at.

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