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Scrugham, Richard T., Jr. Attorney

Scrugham, Richard T., Jr. Attorney from Knoxville Tennessee works as Attorneys, Bankruptcy Lawyers, Debt Consolidation Lawyers, Disability Lawyers, and Insurance Lawyers. Feel free to contact us at the following contact information.

550 Main Street Suite 500 Knoxville Tennessee, 37902
[Open in Maps]

(865)546-9321

(865)637-5249

www.fmsllp.com

rscrugham(at)fmsllp.com

Last updated 2021-09-11

Specialties of Scrugham, Richard T., Jr. Attorney:
  • Attorneys
  • Bankruptcy Lawyers
  • Debt Consolidation Lawyers
  • Disability Lawyers
  • Insurance Lawyers
Attorneys: A lawyer is a person who practices law, as an advocate, barrister, attorney, counselor or solicitor or chartered legal executive. Working as a lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who hire lawyers to perform legal services. The role of the lawyer varies greatly across legal jurisdictions, and so it can be treated here in only the most general terms.
Bankruptcy Lawyers: Bankruptcy law provides for the development of a plan that allows a debtor, who is unable to pay his creditors, to resolve his debts through the division of his assets among his creditors.The philosophy behind the law is to allow the debtor to make a fresh start, not to be punished for inability to pay debts. Bankruptcy law allows certain debtors to be discharged of the financial obligations they have accumulated, after their assets are distributed, even if their debts have not been paid in full. Some bankruptcy proceedings allow a debtor to stay in business and use business income to pay his or her debts.
Debt Consolidation Lawyers: Debt consolidation is the replacement of several loans by taking out one loan usually at a lower interest rate. It is used to manage outstanding consumer debt such as student loans, credit cards, and auto loans. It is often done when the consumer has trouble meeting the existing obligations. Debt consolidation will often lower monthly payments. It can also be called a consolidation loan. More often, debt consolidation involves a secured loan against an asset that serves as collateral. Debt consolidation enables consumers with a home or car to get a lower rate through a secured loan using their property as collateral.
Disability Lawyers: Disability law is largely regulated by the Americans with Disabilities Act (ADA) of 1990. This Act prohibits discrimination against individuals with disabilities in employment, housing, education, and access to public services. The ADA defines a disability as any of the following: "a physical or mental impairment that substantially limits one or more of the major life activities of the individual.", "a record of such impairment." or "being regarded as having such an impairment." While alcoholism is included as a disability, other socially undesirable behavior is excluded from the Act. For example, sexual behavior disorders, compulsive gambling, and pyromania are all excluded. The ADA, however, does not list all impairments covered. The ADA further requires that reasonable accomodation be made so as to provide individuals with disabilities equal opportunities. Agenices and departments charged with enforcement of the ADA include the Equal Employment Opportunity Commission (EEOC) and the Department of Justice.

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