Collections Lawsuit: The sheriff just served me a summons. What should I do?

As an Asheville bankruptcy attorney, I speak with many clients soon after they get served by the sheriff with a collections lawsuit.Although a collection lawsuit can be intimidating, many times clients can defeat the action by taking the appropriate action either in bankruptcy court or through the state court proceeding. If Served, You Still Have…

How do I stop the collection calls?

I became an Asheville bankruptcy lawyer partly because collection companies break the law in order to profit.  By breaking the law, the collectors receive more money from people unable to pay than they would otherwise.  Their profit strategy is to intimidate, annoy, and irritate folks into writing them a check for some amount.  I think…

Is my home protected if I file for bankruptcy?

As an Asheville bankruptcy lawyer, I talk about options for homes with people who are facing difficult financial circumstances.Generally, if you want to keep your home, the most important thing moving forward is your ability to continue making the mortgage payments. Chapter 7 v. Chapter 13 Bankruptcy In a Chapter 13 bankruptcy case, the bankruptcy…

How Do I Repair My Credit Score After Bankruptcy?

In my Asheville, NC bankruptcy law practice, I meet with people daily who have damaged credit scores.Their scores have typically been weighed down by 30 and 60 day late payments being reported by their creditors month after month.Although a bankruptcy filing is a negative which stays on your credit report for 10 years, it will…

I need my car. Can I keep it if I file for Chapter 7 bankruptcy?

Potential clients in my Asheville NC bankruptcy¬† practice almost always ask about options for their car. If you file a Chapter 7 bankruptcy case, and currently owe money on your car, you are entitled under the Bankruptcy Code to reaffirm, redeem, or surrender the car.¬† Most frequently, however, I advise clients to consider a 4thoption,…

Choosing a Bankruptcy Attorney

As an Asheville bankruptcy attorney, I hear about the stress every day.The harassing collection calls continue even though you have asked them to stop calling.Every two weeks, you try to decide which creditor to pay.Perhaps the sheriff has dropped off lawsuit paperwork, and you are hoping your neighbors were not watching.In any event, when you…