As an Asheville bankruptcy attorney, I speak to people daily about rebuilding their credit scores after filing a bankruptcy case. Bankruptcy cases usually are used as a tool to speed up financial recovery while protecting assets at the same time, and a credit card can help increase your credit score post-filing. My good friend and…
As a bankruptcy attorney in Asheville, close to half of the people I meet for free, initial consultations are judgment proof. This means creditors have virtually no way to collect money or property from them under North Carolina law. You are judgment proof if all of the property you own fits within the North Carolina…
As a bankruptcy attorney in Asheville NC, a big part of my job is to help clients achieve the best financial outcome possible after they have decided to file a case. Filing for bankruptcy is a tough decision which should only be made after a clear plan for recovery has been established. It may be…
As an Asheville bankruptcy attorney, I hear a lot of misguided ideas potential clients have heard from friends or debt consolidation salesmen. If you are under financial strain, it is important to separate fact from fiction before making a decision about your next steps. Here is a list of common bankruptcy myths which paralyze people,…
As an Asheville bankruptcy attorney, Spring is my busiest time of year. Tax refunds are a reason bankruptcy filings go up. Why spend refund money on credit card minimums when you can wipe out your debt by filing a Chapter 7 case? With careful planning, you can file for bankruptcy and keep your tax refund.…
Yes. As an attorney practicing bankruptcy law in Asheville, NC, I counsel people all the time who are concerned about how friends and neighbors will react to a bankruptcy filing. First of all, in the majority of cases, the only folks who find out about a case are your creditors, the trustee, your attorney, and…
As a bankruptcy lawyer in Asheville, I spend time each day explaining how credit card companies treat their customers poorly. One way, in my view, is through universal default. Universal default is a concept common in the credit card industry where the creditor can raise your interest rate even if you have always paid their…
As an Asheville bankruptcy lawyer, I help people protect various assets. This is called exempt property. In over 90 percent of the Chapter 7 bankruptcy cases I file, all of the property my clients own fits within the North Carolina or Federal Bankruptcy exemptions. They get to keep all their property. One type of asset…
As an bankruptcy attorney in Asheville, North Carolina, I meet every day with people who are overwhelmed with debt problems but do not know where to begin. I encourage everyone in Western North Carolina who is feeling pressure from bill problems to seek help from a qualified, bankruptcy attorney who offers free consultations. Your problems…
As an Asheville bankruptcy lawyer, I speak with people every day who are upset and overwhelmed by their financial situation. If they could work harder, make more money, and pay back all their debts, they would. Unfortunately, in today’s economy, it is frequently not that easy. When called upon, my job is to help honest…