As an Asheville bankruptcy lawyer, I’ve been seeing more and more potential clients consult with me about their equity line balloon payments.Many times, bankruptcy can help a budget work better after one’s mortgage costs increase. The first step in assessing a client’s rights is to figure out what happens at the end of the ‘interest-only’…
Yes. As a bankruptcy attorney in Asheville NC, I primarily recommend two ways to protect your tax refund in a Chapter 7 case. First, we can use the bankruptcy exemptions you are entitled to.When exempted properly, Chapter 7 trustees are not allowed to intercept tax refunds.The vast majority of North Carolina bankruptcy filers use part…
A new year is upon us, and my busiest time as a bankruptcy attorney in Asheville, NC is about to begin.Just as gym memberships rise in the Spring, so do bankruptcy filings.Here are answers to a couple key questions about how to become debt free through the bankruptcy courts. What kind of relief am I…
As an Asheville bankruptcy attorney, I see my bankruptcy filings increase during the months of January and February.People resolve to clean up their financial lives as part of their new year’s celebration.When I see people raring to go for a bankruptcy case in January, I frequently explain that they need to wait a couple months…
My job as a bankruptcy attorney in Asheville, NC is to provide guidance to individuals struggling to pay their bills each month.I will only advise someone in need of financial help to file a bankruptcy case if it is in their financial best interests to do so.Filing a bankruptcy case can be a gut-wrenching decision…
As an Asheville bankruptcy attorney, I spend lots of time explaining the process of filing a case with prospective clients.I chose to be a bankruptcy lawyer because it makes me feel good to deliver hope in situations which seem hopeless.I usually have good news for folks who see me for initial bankruptcy consultations about their…
As an Asheville bankruptcy lawyer, I speak with people on a daily basis about the process.People frequently smile during our appointments and admit that they could of used the available bankruptcy relief sooner:last month, last year, or years ago!Here are a few myths which I commonly hear from clients which keep them from scheduling a…
As an Asheville bankruptcy lawyer, I spend a lot of time discussing options with clients during free, initial consultations.My goal is to deliver good information to potential clients about the best way to achieve financial stability both inside and outside of bankruptcy. Here are some things to keep in mind: The appointments take about 30…
As an Asheville bankruptcy lawyer, I speak with people about their tax debts on a daily basis.Although many recent taxes are ‘priority debts,’ which are not dischargeable in a Chapter 7 bankruptcy, the bankruptcy code does provide relief. First, many taxes are labeled ‘non-priority,’ and can be discharged in a Chapter 7 case just like…
As an Asheville bankruptcy lawyer, I speak about the costs of filing a bankruptcy case at every initial consultation.Part of figuring out a strategy to improve your financial situation is evaluating the costs of filing a bankruptcy case, and comparing those with the costs of not filing a case. Are you currently making payments on…