A creditor got a judgment against me. What property can I protect from seizure?

Frequently, all of it.  The same North Carolina exemptions which protect certain property in a bankruptcy filing also protect a consumer’s property if they never file a bankruptcy case.  This renders many consumers “judgment proof,” meaning that the judgment creditor may not seize their property and sell it in order to pay off the debt. …

Make the most out of your bankruptcy discharge.

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…

My student loan is in default. What are my options?

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…

How do I stop collection calls?

I became an Asheville bankruptcy lawyer partly because collection companies break the law in order to profit.  By breaking the law, the collectors receive more money from people unable to pay than they would otherwise.  Their profit strategy is to intimidate, annoy, and irritate folks into writing them a check for some amount.  I think…

Facing Foreclosure? Talk to an Attorney

As an Asheville bankruptcy attorney, I help people make decisions about what to do when they fall behind on their mortgage.   An article which I contributed to (along with William J. Whalen at Pisgah Legal, and Walton Davis at Stone & Christy, PA) outlines some good advice in yesterday’s Asheville Citizen-Times. Here is a link…

500 New Jobs in Cherokee! Consider Bankruptcy Options After You Accept a Position

As a lawyer filing bankruptcy cases around Asheville, I frequently advise folks who qualify for relief against filing a case.  Although achieving a discharge would be a relatively simple process for them, if they cannot make ends meet after their bankruptcy case ends, the relief will be short-lived. News arrived yesterday that 500 new jobs…

How Do I Stop Collection Calls?

As a bankruptcy attorney in Asheville NC, I frequently meet with potential clients who are worried about collection companies calling their family members and employers in an attempt to collect an old debt.  Its difficult, stressful and annoying.  Since the collection companies are paid on commission, their strategy is frequently to intimidate you into writing…