With the decline in the housing market many people find they are “upside down” or “under water” on their home. In other words, do you owe more for the house than what it is worth? If that is your situation and you have two or more mortgages, you may find that Chapter 13 bankruptcy is … Read more
Have you ever had a creditor or debt collector call you at work? After the shock of the call wears off, you wonder “can they do that, is that legal?” The answer of whether it is legal in North Carolina depends on your specific situation. North Carolina General Statutes, Article 2, Section 75-52 outlines what … Read more
Depression caused by an accident or incident on the job is usually compensable. However, there must be a medical doctor or a licensed psychologist opinion that the depression was caused by the incident or accident. You cannot claim you feel depressed without a professional opinion substantiating the claim of clinical depression. For example, a new … Read more
Generally speaking, it may be difficult to receive a workers’ compensation benefits if you are injured in your employer’s parking lot. However, there are some exceptions. There are several conditions that must be met for you to receive workers’ compensation benefits for an injury that occurred in your employer’s parking lot. If you are injured during the … Read more
Generally, injuries sustained going to and from work are not compensable as a workers’ compensation injury. However, there are a few exceptions to this general rule. The following is a list of injuries that may be compensable under workers’ compensation. First, if the injury occurred on the premises of the employer as the employee is … Read more
If you are filing bankruptcy then a portion of your bankruptcy petition called the Statement of Financial Affairs asks if you have made any transfers. Section 10 of the Statement of Financial Affairs requires you to, “list all other property, other than property transferred in the ordinary course of the business or financial affairs of … Read more
We get this question often! The answer for the most part is quite simple. If you have been sued, unless you have changed your address and have not updated it through the post office, you likely have received notices that were being sued. To understand the process of a lawsuit better, check out the blog … Read more
With limited exceptions, most Americans are required to file tax returns with the Internal Revenue Service, and if you work or live in North Carolina, the North Carolina Department of Revenue. If you do not file and pay your taxes on time each year, you will incur penalties and interest on the amount of money … Read more
If you have filed or will be filing a workers’ compensation or personal injury claim, be sure to tell your bankruptcy attorney so your potential settlement can be listed and protected in the bankruptcy. If it is not listed and protected in your bankruptcy, you could lose the money received in the settlement. If you … Read more
Many debtors get nervous when all these legal terms start to get thrown around. We are going to explain what each of these are so that you will have a better idea of what you may be dealing with. We will focus on the civil side of things and how they relate to bankruptcy filings. … Read more
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