Are your debts keeping you up at night? You are not alone. When people decide to finally do something about their debt, they often look at two main choices: debt consolidation or bankruptcy. Both can help. But they work in very different ways. And one may be a much better fit for you than the … Read more
Did you forget to list a debt? Maybe your income changed. Or maybe you decided you cannot keep that car after all. These things happen all the time after someone files bankruptcy. The good news is simple. You usually do not have to start over. In most cases, you can fix or update your bankruptcy … Read more
In your bankruptcy, you can choose to “give up” or surrender your secured property such as a house or a car to eliminate the debt. It would be lovely in the world of bankruptcy if you could just eliminate the debt and keep the property, but if that were the case, everyone would file bankruptcy! … Read more
It is possible to obtain a loan modification even if you have filed bankruptcy. At this time, most mortgage companies would rather work out a loan modification agreement, if viable, than to foreclose on your home. The last thing most mortgage companies want is another vacant house! Steps to Follow: Step #1: You should contact … Read more
Are debt collectors calling you all day? Sending letters? Calling your job or your family? When the phone keeps ringing, it can feel like you have no control over your own life. You do have options. One of them is a cease and desist letter. This is a written letter that tells a debt collector … Read more
To review a possible medical malpractice case or nursing home injury or neglect case at Duncan Law we must have the injured person’s medical records reviewed by an expert witness. These are usually an expert nurse and/or a physician. For a medical expert to give a thorough review of your case it is important they … Read more
Clients have frequently asked us what is the difference between a deed in lieu of foreclosure and a bankruptcy? First, a deed in lieu of foreclosure (DLF) is when the homeowner signs over and transfers the deed to the home to the mortgage company without the legal process of a foreclosure. Most people believe this … Read more
If a creditor has sued you and won in court, that court judgment can follow you for a long time — especially if the creditor takes steps to attach it to your property. Understanding how long judgments and liens last in North Carolina, and what options you have to deal with them, is important whether … Read more
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