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…

If I File A Bankruptcy Case, Will It Destroy My Credit Score?

As an Asheville bankruptcy attorney, I spend a large portion of initial consultations discussing the negative consequences of filing a case.One fear which is often overblown, in my view, is the effect of a filing on your credit score.  Many folks incorrectly think they will not ever have access to credit again or will not…

I filed a bankruptcy case. How do I go about improving my financial condition afterward?

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…

I am engaged, and have some debts from my past. Will filing a bankruptcy case effect my spouse’s credit?

Filing a Chapter 7 bankruptcy case to clear away debts before or after getting married will not effect your spouse’s credit in any way.  Because married folks usually own assets together (cars, houses, etc.), a bankruptcy case can insure that your creditors will not seek to recover money from property which you own together. The…

Bankruptcy is a business decision

Nobody wants to file a bankruptcy case.  For many people who have been struggling, a bankruptcy case represents horror and shame.  They continue to struggle month after month to make ends meet, paying high credit card interest or small payments to collection companies.  Eliminating debt through a bankruptcy filing would immediately change where their money…