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…

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…

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.…

Protecting assets with a bankruptcy filing.

As an Asheville Bankruptcy Lawyer, I speak to potential clients on a daily basis who are having difficulty paying their bills. Once behind, consumers grow concerned about the assets most precious to their family’s health and well-being: their house, their retirement accounts, and the money they had planned to leave behind for their children. At…

Bankruptcy Exemptions: What property can I keep?

Most of the time, all of it.  As an Asheville bankruptcy attorney, I speak with people daily about how it is possible to become debt free and achieve a financial “fresh start” through our country’s bankruptcy system.  An important concept in bankruptcy is that people should be allowed to keep certain property they own which…

I was just served with a collections lawsuit by the Sheriff, what happens next?

As an Asheville bankruptcy attorney, I hear from many clients after they get served by the sheriff with a collections lawsuit. A suspicious knock on the door inspires fear and more stress about a client’s financial trouble. My initial reaction when fielding such a call is, “Don’t panic, you have options, lets get you on…

Protecting Property Without Bankruptcy

As a bankruptcy lawyer in Asheville, I spend time each day explaining the rights creditors have against consumers.  While many federal debts (student loans and IRS, primarily) can cause a wage garnishment, most simple unsecured creditors (credit card, personal loan, and medical) cannot garnish wages in North Carolina.  What they can do is file a…