One of the reasons I became an Asheville bankruptcy lawyer is that I believe the debt collection industry is unfair. Frequently, the debt collectors know that their targets are judgment proof, meaning the collector can only receive money voluntarily from the borrower – not through the legal process. Still, their approach is to continue calling.…
When I sit down to discuss a person’s financial situation at a free, initial bankruptcy consultation, they are usually nervous about the prospect of dealing with bankruptcy judges, trustees, and their creditors. Many people are nervous just sitting down with a bankruptcy lawyer. Most of the time, for those who decide to file bankruptcy, their…
Many creditors have a systematic approach to collecting money from customers who can’t pay them back. In my Asheville bankruptcy law practice, it is common for potential clients to schedule an initial consultation with me immediately after receiving a summons for a collection lawsuit from the sheriff. Others have had a default judgment hurting their…
You’ve done it. After a long struggle with household budget issues, debt crisis, and some purchases that didn’t turn out as planned, you’ve decided to get your finances fixed once and for all. You are even willing to file a bankruptcy case if that’s what it takes. As a bankruptcy attorney in Asheville, NC, I…
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…
I talk to many residents in Western North Carolina who are approaching retirement age, and are having financial difficulties. As an Asheville bankruptcy attorney, I can help folks sort through fact and fiction when deciding how to protect the assets you intend to pass on to your relatives after death. Exemptions inside and outside of…