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.…
As an Asheville bankruptcy attorney, I speak with many potential clients soon after they get served by the sheriff with a collections lawsuit. The uncertainty surrounding a legal action is unwelcome and stressful. Although a collection lawsuit can be intimidating, many times clients can defeat the action by taking the appropriate action either in bankruptcy…
When I sit down to discuss a person’s financial situation at a free, initial bankruptcy consultation, they are usually nervous about the prospect of dealing with bankruptcy judges, trustees, and their creditors. Many people are nervous just sitting down with a bankruptcy lawyer. Most of the time, for those who decide to file bankruptcy, their…
Yes. In bankruptcy, there are a couple strategies regularly employed by clients to help with their monthly car expense. First, clients can “cram-down” their car payment through a Chapter 13 bankruptcy case. Another commonly used strategy is to eliminate liability on the car note in a Chapter 7 bankruptcy case. The Expensive Car Problem I’ve…
You’ve done it. After a long struggle with household budget issues, debt crisis, and some purchases that didn’t turn out as planned, you’ve decided to get your finances fixed once and for all. You are even willing to file a bankruptcy case if that’s what it takes. As a bankruptcy attorney in Asheville, NC, I…
No, only the person who files a bankruptcy case will have the filing reported on their credit history. Under the bankruptcy code, a person has a right to file a case without their spouse. As a bankruptcy attorney in Asheville, NC, a common question I receive from stressed out consumers is whether they should file…
The usual options to get a student loan out of default are consolidation, rehabilitation, or repayment. As a North Carolina student loan lawyer, I help people from anywhere in North Carolina cure the default status of their student loans.By doing so, wage garnishments are halted.In addition, student loan borrowers struggling with payments can begin receiving…