My bankruptcy law office in Asheville, North Carolina stays busy. Almost every day I meet with clients or potential clients scared of filing a bankruptcy case because the process for filing Chapter 7 or Chapter 13 feels daunting to them. Usually, I respond by saying, “Your bankruptcy case will be relatively simple. The key to…
If you are currently in or thinking about using a debt settlement program, contact a bankruptcy attorney’s office to figure out your other options during a free, initial consultation. The ads online and on television scream, whatever you do, “Don’t file a bankruptcy case!” This marketing pitch, being sold mainly by non-attorneys who are not…
There is never a perfect time to file a bankruptcy case. When people come to talk to me about a filing for Chapter 7 or Chapter 13 at my Asheville, North Carolina bankruptcy law office, we almost always talk about their budget and how they are paying their bills right now. Ideally, clients should wait…
I often hear from clients around Asheville, NC during a bankruptcy consultation for Chapter 7 or Chapter 13 that the worst part of their financial difficulties is not job loss, indecision about living paycheck to paycheck, or budgeting problems. The worst part about not being to pay bills is often abusive debt collectors who will…
Many potential bankruptcy clients come to my Asheville office wondering whether they qualify for a Chapter 7 or Chapter 13 case (sometimes Chapter 11, but that type of case is generally for big companies with many employees or assets). The key qualifier for determining the proper type of bankruptcy relief is called the Means Test.…
If you have gotten your 2011 tax returns filed today, many of you have realized that lower income in 2011 might mean a higher tax refund as well. The average refund is around $3,000 for 2011, which generally speaking would more than pay the costs of a Chapter 7 filing. If this refund money funded…
Many people I meet with for a bankruptcy consultation in my Asheville NC office think filing a case is as low as you can get financially. On the contrary, the most difficult people for me to help are the ones who do not have secure employment. Sure, we could file a case for them, but…
As an Asheville bankruptcy lawyer, I speak with people everyday who worry they will lose their belongings if they eliminate their credit card and medical debts with a bankruptcy case. In over 90 percent of the cases filed, Chapter 7 bankruptcy clients keep all of their property. For cars, bankruptcy clients have four different options. …
Being a consumer bankruptcy attorney in Asheville is satisfying work. Filing a Chapter 7 or Chapter 13 for a client brings relief they didn’t know existed. Helping families improve their lives immediately and effectively is why I chose this work. The worst part of my job is trying to explain to people why they should…
Almost every Chapter 7 bankruptcy client I meet with expresses concern over not paying back their corporate creditors (credit card companies). Meanwhile, their family cuts back on necessary medical care, healthy food, and contributions to retirement accounts. If you are having a hard time financially and share this concern, please read this article from the…