As an Asheville bankruptcy lawyer, I speak everyday with consumers struggling to pay monthly bills. They want to fix things, not only to improve their credit scores, but also to stop the incessant telephone calls from creditors and debt buyers. Its very stressful trying to figure out who to pay, how much to pay, and…
As an Asheville bankruptcy lawyer, one of my primary functions is to help potential clients focus on their best financial options in order to speed up a recovery. One of the options I commonly discuss at first client meetings is protecting assets by utilizing exemptions without using bankruptcy. Unfortunately, this asset protection strategy is under…
North Carolina has long balanced a creditor’s need to get paid with a consumer’s right to protect a limited amount of property from seizure by a creditor. State law currently prohibits wage garnishment or the seizure of the previous 60 days of wages from consumers when it can be shown that those earnings are “necessary…
When there is not enough money in the household budget to pay all the required bills, consumers face a difficult choice about what bills to pay. As an Asheville bankruptcy attorney, I know it is quite common for the loudest and most annoying creditor to get paid which means more important household bills get neglected.…
As an Asheville bankruptcy attorney, I frequently meet with consumers who are stressed out by the incessant calls or threatening letters they are receiving about a debt. The debt collectors, if acting on behalf of the original creditor, generally must comply with the Fair Debt Collection Practices Act (FDCPA). The Act promotes ethical business practices…
As an Asheville bankruptcy lawyer, one of my main tasks is to figure out a client’s best financial alternatives. I try to explain those options in a way that is easy to understand and simple to execute. Frequently, potential clients ask, “What is better for me? Debt settlement or bankruptcy?” Here are some of the…
As an Asheville Bankruptcy Lawyer, I speak to potential clients on a daily basis who are having difficulty paying their bills. Once behind, consumers grow concerned about the assets most precious to their family’s health and well-being: their house, their retirement accounts, and the money they had planned to leave behind for their children. At…
My busiest time as a bankruptcy attorney in Asheville, NC is about to begin. Just as gym memberships rise after New Year’s Eve celebrations end, so do bankruptcy filings. Here are answers to a couple key questions about how to become debt free through the bankruptcy courts. What kind of relief am I eligible for?…
As an Asheville bankruptcy attorney, I speak with many potential clients soon after they get served by the sheriff with a collections lawsuit. The uncertainty surrounding a legal action is unwelcome and stressful. Although a collection lawsuit can be intimidating, many times clients can defeat the action by taking the appropriate action either in bankruptcy…
As an Asheville bankruptcy lawyer, I frequently sit down with people who own a small business which is struggling to make ends meet. It is important for the small business owner to understand their rights both in bankruptcy and outside of bankruptcy before calculating their next best financial move. How is the business organized? If…