Do I need to file a bankruptcy case?

Filing for bankruptcy protection can be a difficult decision. Many clients I’ve spoken with as an Asheville bankruptcy lawyer tell me that they have tried everything to avoid filing. Though well-intentioned, many consumers who file bankruptcy after struggling for a long time would have gotten a better result had they reached out for professional help…

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I got sued for a credit card. Can the creditor seize money from my bank account?

No, you must first be served with a Notice of Right to Claim Exemptions in North Carolina before any property is taken from you to satisfy a money judgment on a general, unsecured debt. Further, supplemental proceedings (court hearings) are required under NCGS 1-352 before a consumer’s bank account can be drained by a judgment…

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Even insured face crushing medical debt.

The most expensive place in the world to get sick is the United States. According to a new study by the Kaiser Family Foundation and the New York Times, 20% of people who own health insurance policies have still had difficulty paying a medical bill within the past year. 53% of people who do not…

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What is bankruptcy relief? The bankruptcy bargain explained.

Many potential bankruptcy clients schedule initial consultations because they have felt overwhelmed by debt problems for a long time. Generally, they have tried just about everything they know of to fix their financial issues and call my Asheville bankruptcy law office as a last resort. They’ve been struggling to make minimum payments on credit card…

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A creditor got a judgment against me. What property can I protect from seizure?

Frequently, all of it.  The same North Carolina exemptions which protect certain property in a bankruptcy filing also protect a consumer’s property if they never file a bankruptcy case.  This renders many consumers “judgment proof,” meaning that the judgment creditor may not seize their property and sell it in order to pay off the debt. …

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I want to buy a house. Can bankruptcy help?

As an Asheville bankruptcy attorney, I frequently meet with folks who have been turned down recently by their bank for a mortgage loan. After speaking with the bank, and being rejected because of old debts clouding their credit report, they call me to assess how they can get their financial lives in order. Many times,…

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