If you have received a wage garnishment order, you should speak to an Asheville area bankruptcy attorney who can explain your options during a free initial consultation. In North Carolina, wage garnishment is generally not permissible for ordinary creditors. The important exceptions are for back taxes, alimony, child support and some types of student loans.…
Because more people are having trouble paying their bills, debt collectors have become more aggressive with their tactics. Read all about it in this USA Today article: More Complaints Lobbed at Debt Collectors. If you are being hounded by a Debt Collector, you should know your rights. Many consumers pay money to debt collectors under…
If you have been putting off speaking with an Asheville Bankruptcy lawyer, and have medical or credit card debt, you could be pleasantly surprised at the debt elimination options you have. Before you cash out a retirement account, start paying a debt consolidation company, or borrow money from family, you should sit down with a…
In case you missed it, banks are trying to charge you more as quietly as possible. Read about the charges here: Banks Quietly Charging More. I point this out because every single day I encounter people who are embarrassed to be in my office, and tell me they feel bad about not paying back “their…
A Chapter 13 bankruptcy is a powerful tool for people who have a steady job, but are having difficulty keeping up with their bills each month. Typically, a Chapter 13 is filed for one of the following reasons: ~ A Client is behind on their car or mortgage payments and wants to save it ~…
As a bankruptcy attorney, one of the most basic things I explain to clients is how a Chapter 7 case works. A Chapter 7 case is also known as a liquidation bankruptcy because creditors are supposed to be paid part of what they are owed when the trustee “liquidates” assets. After this process happens, a…
I get to represent people, not corporations. Creditors’ attorneys are mainly smart, ethical, and profitable. But I chose this side of the fight because I am able to advocate for real people and tackle their very real problems. I help the honest but unfortunate debtor clear debt so they can concentrate on taking care of…
A Chapter 13 bankruptcy is available for low cost up front, and allows people with good jobs to delay a foreclosure or paying back a tax debt. Here are some features which help people in the Asheville area: While a Chapter 7 filing requires someone to pay the entire bankruptcy attorney fee up front, many…
People in Asheville have been experiencing lower number of hours at work, reductions in income, escalating medical bills and failing commercial ventures such as rental properties. The result is more people suffering, and more people seeking relief from the bankruptcy court. Sadly, before recognizing the benefits of a bankruptcy filing, many members of our community…
One of the reasons I choose to represent people near Asheville who are struggling with debt is that they are consistently mistreated by their creditors. Collection companies irritate, stress out, and threaten people in Western North Carolina as a strategy to make more money. Forgery, Deceit By Collection Companies (via New York Times) Why do…