As a bankruptcy lawyer in Asheville, NC, I am troubled by the rising student loan debt our country is facing. Bankruptcy laws seem insufficient in many cases because most of the time a student loan debt cannot be discharged in a Chapter 7 or Chapter 13 bankruptcy. My best advice for someone to struggling with…
DetailsMany potential bankruptcy clients near Asheville come to see me about hiring me as their bankruptcy attorney as a last resort. They thought financial difficulty would never happen to them, and they have tried just about everything to avoid seeing a lawyer. This USA Today article explains how the recession is the culprit for many…
DetailsAs an Asheville bankruptcy lawyer, when I tell people about the costs of a bankruptcy filing, I get some strange looks. Most people who need a bankruptcy filing do not have extra money lying around ready to be spent on paying a bankruptcy attorney. Here is a great article about a recent bankruptcy study which…
DetailsI often hear from clients around Asheville, NC during a bankruptcy consultation for Chapter 7 or Chapter 13 that the worst part of their financial difficulties is not job loss, indecision about living paycheck to paycheck, or budgeting problems. The worst part about not being to pay bills is often abusive debt collectors who will…
DetailsMany potential bankruptcy clients come to my Asheville office wondering whether they qualify for a Chapter 7 or Chapter 13 case (sometimes Chapter 11, but that type of case is generally for big companies with many employees or assets). The key qualifier for determining the proper type of bankruptcy relief is called the Means Test.…
DetailsIf you have gotten your 2011 tax returns filed today, many of you have realized that lower income in 2011 might mean a higher tax refund as well. The average refund is around $3,000 for 2011, which generally speaking would more than pay the costs of a Chapter 7 filing. If this refund money funded…
DetailsMany people I meet with for a bankruptcy consultation in my Asheville NC office think filing a case is as low as you can get financially. On the contrary, the most difficult people for me to help are the ones who do not have secure employment. Sure, we could file a case for them, but…
DetailsAs a bankruptcy attorney in Asheville NC, I frequently meet with potential clients who are worried about collection companies calling their family members and employers in an attempt to collect an old debt. Its difficult, stressful and annoying. Since the collection companies are paid on commission, their strategy is frequently to intimidate you into writing…
DetailsAs an Asheville bankruptcy lawyer, I speak with people everyday who worry they will lose their belongings if they eliminate their credit card and medical debts with a bankruptcy case. In over 90 percent of the cases filed, Chapter 7 bankruptcy clients keep all of their property. For cars, bankruptcy clients have four different options. …
DetailsBeing a consumer bankruptcy attorney in Asheville is satisfying work. Filing a Chapter 7 or Chapter 13 for a client brings relief they didn’t know existed. Helping families improve their lives immediately and effectively is why I chose this work. The worst part of my job is trying to explain to people why they should…
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