Do I need to file a bankruptcy case?

Filing for bankruptcy protection can be a difficult decision. Many clients I’ve spoken with as an Asheville bankruptcy lawyer tell me that they have tried everything to avoid filing. Though well-intentioned, many consumers who file bankruptcy after struggling for a long time would have gotten a better result had they reached out for professional help…

I got sued for a credit card. Can the creditor seize money from my bank account?

No, you must first be served with a Notice of Right to Claim Exemptions in North Carolina before any property is taken from you to satisfy a money judgment on a general, unsecured debt. Further, supplemental proceedings (court hearings) are required under NCGS 1-352 before a consumer’s bank account can be drained by a judgment…

If I file for bankruptcy, is my tax refund protected?

As an Asheville bankruptcy lawyer, I advise consumers to protect the things they own by using their available exemptions. In over 95 percent of the Chapter 7 bankruptcy cases filed in Western North Carolina, all of the property a consumer owns fits within the North Carolina or Federal Bankruptcy exemptions. Consumers get to keep all…