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…