Most Chapter 13 bankruptcy cases are set to last for 36 to 60 months (3 to 5 years). During those years, you may experience a change in circumstances that put you in a position where you need to request for your plan payment to be lowered. The purpose of this blog post is to discuss … Read more
If your mortgage company is pushing you to sign a reaffirmation agreement, you are not alone. Many homeowners in North Carolina get these papers after they file for bankruptcy. The lender's representative may even call and say you "have to" sign. That can feel scary and confusing. Here is the good news. In most cases, … Read more
If you are currently in a Chapter 13 bankruptcy and want to purchase a new vehicle there are several things that must be done. The information below is extremely important to the success of you being able to get a new vehicle so read it very, very carefully. It is critical that you get the court’s permission before going and incurring any debt (loans) on your own. To make the process as clear as possible we have broken it up into five different steps.
TENS stands for Transcutaneous Electrical Nerve Stimulation. A TENS machine is a device that uses mild electrical currents to stimulate nerves, generally used to reduce pain. A TENS machine is non-invasive because the electrodes are placed on the surface of the skin only. The TENS unit is often used to help reduce pain, especially pain in … Read more
Thinking about taking money out of your retirement account during bankruptcy? Maybe your car broke down. Maybe a big medical bill showed up. Maybe an emergency hit, and your 401(k) or IRA feels like the only place to find cash. This is a very common worry. And it is a fair question. After all, it … Read more
If you’re reading this blog post the chances are good that you have a Facebook profile or account. If so, you’re not alone. Recent statistics reported by The Blog Herald indicate that there are now over 500 million Facebook users. Of those 500 million users, half of those users log in to their Facebook account … Read more
If you file a Chapter 13 bankruptcy in the Middle District of North Carolina (Greensboro, Winston-Salem and surrounding areas), you will be required to have a phone interview with the Chapter 13 Trustee’s office. You will need to call the Trustee’s office to schedule your phone interview. Be sure to call in on the date … Read more
North Carolina Industrial Commission Form MSC8 is a mediated or compromised settlement agreement. This mediated settlement agreement sets forth the terms of the settlement agreement in a workers’ compensation case in North Carolina. The agreement stipulates certain agreed upon facts of the case which may include, but is not limited to, the following topics: 1) … Read more
Cosigning on a debt is almost never recommended. However, it’s a tough decision sometimes when you have friends or family that need you to cosign on a debt to receive the necessary loan. Typically, though, it’s not a good idea to cosign on a debt. Let’s find out why. What is a cosigner? When someone … Read more
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