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…

Even insured face crushing medical debt.

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…

What is bankruptcy relief? The bankruptcy bargain explained.

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…

I want to buy a house. Can bankruptcy help?

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,…

My family member co-signed for a private student loan. Can bankruptcy help?

In my Asheville bankruptcy law office, I have seen many consumers, young and old, approach me about problems associated with their private student loans. Most folks already recognize that discharging those loans in a bankruptcy case can be problematic. Still, for consumers operating on a limited budget, the only payback options on their private student…

The first step to financial recovery.

As an Asheville bankruptcy lawyer, I hear it most days from potential clients: “I’m working hard every single month, but after I pay my bills, there never seems to be anything left.” Everyone I meet with during a free, initial Asheville bankruptcy consultation is living on a budget. Some folks, like my amazing co-worker Michelle,…

Divorce and Bankruptcy

Deciding you need to separate from a spouse is an incredibly emotional and painful decision.  Once made, it is important to understand your legal rights and obligations regarding the debts which will remain after the divorce decree has been finalized.  As an Asheville bankruptcy attorney, I frequently spend time with clients who benefit from a…