Bankruptcy Insights & Resources
Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
What is a hardship discharge in bankruptcy?
Losing your income partway through a Chapter 13 bankruptcy is a scary feeling. You started a repayment plan in good faith. You made your payments. Then life changed. Maybe you got sick. Maybe you lost your job. Now you can't finish your plan, and you're afraid you'll lose everything you worked for. There may be … Read more
How Do I Respond to a Debt Collection Lawsuit?
Getting served with a debt collection lawsuit is scary. You may feel like you did something wrong or like your life is about to fall apart. Take a deep breath. You have rights, and you have options. The most important thing to know is this: do not ignore the lawsuit. Doing nothing is the worst … Read more
Does Bankruptcy Show Up on a Background Check?
If you are thinking about filing for bankruptcy, you may be worried about who will find out. Maybe you have a job interview coming up. Maybe you are trying to rent an apartment. You might be asking yourself, "Will this show up on a background check?" This is a fair question. The good news is … Read more
How Will Bankruptcy Affect My Non-Filing Spouse?
Filing for bankruptcy can be difficult, especially when you’re married and concerned about how it might impact your non-filing spouse. In this comprehensive guide, we’ll explore how bankruptcy can affect a non-filing spouse and provide valuable tips to help minimize the impact. The effects of bankruptcy on a non-filing spouse largely depend on whether you … Read more
Can I Sell My House During My Bankruptcy?
The Short Answer Yes, you can usually sell your house while you are in bankruptcy. But you cannot do it on your own. In most cases, the bankruptcy court has to approve the sale first. The rules are a little different depending on whether you filed Chapter 7 or Chapter 13. How much equity you … Read more
How Long Do I Have to Wait to Buy a House After Bankruptcy?
If you filed for bankruptcy, you may be wondering if you can ever own a home again. Maybe you already own one. Maybe you dream of buying your first house. Either way, a bankruptcy can make the future feel uncertain. Here is the good news. Bankruptcy is not the end of the road. Many people … Read more
Can Small Business Administration (SBA) Loans be Wiped Out in Bankruptcy?
The Short Answer If you signed an SBA loan and now you can't pay it, you are probably worried about what happens next. The good news is that many SBA loans can be wiped out in bankruptcy. But it depends on how the loan is set up. This article explains when SBA debt can be … Read more
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