Should I settle my debts or file for bankruptcy help?

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…

Will my bankruptcy filing affect my spouse’s credit?

No, only the person who files a bankruptcy case will have the filing reported on their credit history. Under the bankruptcy code, a person has a right to file a case without their spouse. As a bankruptcy attorney in Asheville, NC, a common question I receive from stressed out consumers is whether they should file…

Bankruptcy Exemptions and what property can I keep?

Most of the time, all of it.  As an Asheville bankruptcy attorney, I speak with people daily about how it is possible to become debt free and achieve a financial “fresh start” through our country’s bankruptcy system.An important concept in bankruptcy is that people should be allowed to keep certain property they own which is…

Pre-Bankruptcy Alternatives? Choosing Who to Pay

As a bankruptcy attorney in Asheville NC, I speak with people daily about how they are deciding which creditor to pay first when their financial situation becomes strained.Frequently, the loudest creditor is the last one my potential clients should be paying.  Credit Card Collectors When a credit card bill goes unpaid, many accounts are automatically…