I love our family doctor. If I file a bankruptcy case, am I allowed to pay him back?

Yes.  As an attorney practicing bankruptcy law in Asheville, NC, I counsel people all the time who are concerned about how friends and neighbors will react to a bankruptcy filing.  First of all, in the majority of cases, the only folks who find out about a case are your creditors, the trustee, your attorney, and…

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Why did the interest rate on my credit card jump higher?

As a bankruptcy lawyer in Asheville, I spend time each day explaining how credit card companies treat their customers poorly.  One way, in my view, is through universal default.  Universal default is a concept common in the credit card industry where the creditor can raise your interest rate even if you have always paid their…

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Is my 2012 tax refund protected if I file a bankruptcy case?

As an Asheville bankruptcy lawyer, I help people protect various assets.  This is called exempt property.  In over 90 percent of the Chapter 7 bankruptcy cases I file, all of the property my clients own fits within the North Carolina or Federal Bankruptcy exemptions.  They get to keep all their property. One type of asset…

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Bankruptcy and Debt Information: Where do I go to get started?

As an bankruptcy attorney in Asheville, North Carolina, I meet every day with people who are overwhelmed with debt problems but do not know where to begin.  I encourage everyone in Western North Carolina who is feeling pressure from bill problems to seek help from a qualified, bankruptcy attorney who offers free consultations.  Your problems…

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3 Bankruptcy Keys To Success

As an Asheville bankruptcy lawyer, I speak with people every day who are upset and overwhelmed by their financial situation.  If they could work harder, make more money, and pay back all their debts, they would.  Unfortunately, in today’s economy, it is frequently not that easy.  When called upon, my job is to help honest…

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Collections Lawsuit. Is my property going to be seized?

Many bankruptcy clients wait until they get served by the sheriff with a collections lawsuit before seeking help with their financial problems. Better results can be achieved by acting earlier, but all is not lost merely because a lawsuit has been initiated.  My first reaction when fielding such a desperate call is, “Do not panic,…

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Student Loan Debt: Should I explore my bankruptcy options?

As a bankruptcy attorney in Asheville, NC, I frequently speak with people having difficulty with their student loan debt.  These folks are sharp enough to figure out that student loan debt is generally not dischargeable in a Chapter 7 or Chapter 13 bankruptcy case. Even so, I strongly recommend folks having trouble paying their bills…

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Bankruptcy Alternative? Strike Debt Takes Aim To Stop Debt Collectors

One of the reasons I became a bankruptcy attorney is that debt buyers use collection companies to intimidate, harass, and threaten people for profit.  Strikedebt.org has a new campaign called Rolling Jubilee which uses donations to eliminate debt for Americans who need help. This video explains the Rolling Jubilee campaign. Not lucky enough to be…

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Can I File A Bankruptcy Case Without My Spouse?

Yes, as an Asheville bankruptcy lawyer, I file individual Chapter 7 and Chapter 13 cases.  An individual filing will not affect the non-filing spouse’s credit rating or appear on their credit report.  Married couples are also allowed to file ‘jointly,’ where both spouses open a bankruptcy case together. The critical factor to keep in mind…

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