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…

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…

Collection lawsuit? Consider bankruptcy.

Getting served with a collection lawsuit can be intimidating.  But even after a consumer gets served, they still have rights under the law. A lawsuit is a shocking and stressful indication that you should quickly determine your best course of action by seeking the advice of a qualified professional.  As an Asheville bankruptcy lawyer, I…

I’m getting collection calls but can’t pay. What should I do?

As an Asheville bankruptcy lawyer, I speak everyday with consumers struggling to pay monthly bills. They want to fix things, not only to improve their credit scores, but also to stop the incessant telephone calls from creditors and debt buyers. Its very stressful trying to figure out who to pay, how much to pay, and…

Protecting assets and upward mobility.

As an Asheville bankruptcy lawyer, one of my primary functions is to help potential clients focus on their best financial options in order to speed up a recovery.  One of the options I commonly discuss at first client meetings is protecting assets by utilizing exemptions without using bankruptcy.  Unfortunately, this asset protection strategy is under…

Wage garnishment bill would cripple North Carolina families.

North Carolina has long balanced a creditor’s need to get paid with a consumer’s right to protect a limited amount of property from seizure by a creditor. State law currently prohibits wage garnishment or the seizure of the previous 60 days of wages from consumers when it can be shown that those earnings are “necessary…

Put your family first when deciding which bills to pay.

When there is not enough money in the household budget to pay all the required bills, consumers face a difficult choice about what bills to pay. As an Asheville bankruptcy attorney, I know it is quite common for the loudest and most annoying creditor to get paid which means more important household bills get neglected.…