I have a good job, but can’t ever seem to catch up. Can a Chapter 13 case help with cash flow?

Under bankruptcy statute 11 USC 1326(a), the first Chapter 13 plan payment is due within 30 days of filing a case.  By timing when you file a case properly, we can sometimes avoid making a month of mortgage payments or car payments in order to improve your household’s cash flow.  In short, by skipping a…

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I own real estate and am behind on payments. What are my bankruptcy options?

As an Asheville bankruptcy attorney, I meet almost every day with someone who is behind on real estate mortgage payments.  Depending on your goals, various options exist via Chapter 7 and Chapter 13 bankruptcy cases. If you want to keep the property: Chapter 13 is a type of bankruptcy designed to help you “catch-up” on…

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A collection company keeps calling. Should I explain my situation to them?

As a bankruptcy attorney in Asheville, I frequently speak with clients frustrated by their conversations with collection callers.  If you search on Google, you’ll see lots of advice about contacting creditors when you fall behind on payments. In my experience, talking with collection callers can help when you plan on resuming regular payments (and catch…

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Bankruptcy in Western North Carolina: Where Do I File?

As an Asheville bankruptcy attorney, I frequently get calls from people living around the country who own real estate in our mountains.  Other times, people living here wonder if they need to file a bankruptcy case back where their old home is being foreclosed on, or where they owe other debts. In 2005, Congress established…

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Bankruptcy Lawyers Near Asheville: How Do I Choose?

Frequently, when a person needs bankruptcy relief, the creditor calls or just managing daily finances can be overwhelming.  Choosing a bankruptcy attorney can be too if you don’t know who to call.  There are several great bankruptcy attorneys near Asheville, NC.  In my view, asking the following questions can help determine if a specific attorney…

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