The most expensive place in the world to get sick is the United States. According to a new study by the Kaiser Family Foundation and the New York Times, 20% of people who own health insurance policies have still had difficulty paying a medical bill within the past year. 53% of people who do not…
As an Asheville bankruptcy attorney, I sit down with potential clients who give various reasons for why they had waited for a long time before sitting down with me to discuss their financial situation and relief options. One common explanation I’ve heard many times is that “I would have called you last year, and have…
Many potential bankruptcy clients schedule initial consultations because they have felt overwhelmed by debt problems for a long time. Generally, they have tried just about everything they know of to fix their financial issues and call my Asheville bankruptcy law office as a last resort. They’ve been struggling to make minimum payments on credit card…
Probably not. During initial consultations, I usually ask clients to tell me about what debts they owe so we can create a plan to deal with them efficiently. Many clients tell me about some of their debts, and then explain that the rest of their debts have been “charged-off.” A “charge-off” usually means the original…
As an Asheville bankruptcy attorney, I frequently meet with folks who have been turned down recently by their bank for a mortgage loan. After speaking with the bank, and being rejected because of old debts clouding their credit report, they call me to assess how they can get their financial lives in order. Many times,…
Getting served with a collection lawsuit can be intimidating. But even after a consumer gets served, they still have rights under the law. A lawsuit is a shocking and stressful indication that you should quickly determine your best course of action by seeking the advice of a qualified professional. As an Asheville bankruptcy lawyer, I…
When financial trouble hits, consumers will do almost anything to make ends meet. Cashing out retirement accounts is common if a family falls behind on bills. I’ve seen this strategy being used time and time again as a bankruptcy lawyer serving Western North Carolina. It makes sense for consumers to consider all of their alternatives,…
As an Asheville bankruptcy lawyer, I speak everyday with consumers struggling to pay monthly bills. They want to fix things, not only to improve their credit scores, but also to stop the incessant telephone calls from creditors and debt buyers. Its very stressful trying to figure out who to pay, how much to pay, and…
As an Asheville bankruptcy attorney, I speak with potential clients about their financial problems, solutions to those problems, and the best path forward for their family. Many potential clients are rightfully concerned about their credit scores. A bad credit score means paying more for cars, houses, and can count against someone on job applications. Almost…
In over 95% of Chapter 7 bankruptcy cases filed in Western North Carolina, consumers are allowed to keep all of their property. As an Asheville bankruptcy attorney, I speak with people daily about the concept of “exemptions,” which protect a limited amount of property from the reach of a consumer’s creditors.The bankruptcy code promises a…