Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
When you file for bankruptcy in North Carolina, someone will ask you a simple-sounding question: "What is your house worth?" Many people start with the tax value of their home. But what if that number feels wrong? Maybe it seems too high. Maybe it seems too low. Either way, the value of your home matters … Read more
When you are involved in an accident that occurs on the job, there are a number of necessary Worker’s Compensation forms that need to be completed and then submitted to the appropriate office. One of these forms is called a 25P. Form 25P is also referred to as an “Itemized Statement of Charges for Drugs.”
This form is needed to obtain reimbursement for prescription or medical supply expenses related to the on the job injury and is also required under the Provisions of the Workers’ Compensation Act.
In the State of North Carolina, foreclosure hearings are held by the Clerk of Court or Assistant Clerk of Court, as judges rarely hear foreclosures. The Clerk of Court is only to hear cases involving “legal defenses.” Cases involving any other type of defense, such as defense of fraud cases, are to be handled through Superior Court. This is due to North Carolina being a “Power of Sale” state.
Are you getting collection calls about old student loans? Maybe you stopped paying years ago. Now you are worried the lender will come after you. You may have heard that some debts get too old to collect. So you ask a fair question: do student loans ever expire? This article explains how the statute of … Read more
Form MSC7 is the report of the Evaluator in a workers compensation case in North Carolina. An Evaluator is usually a neutral person who meets with the plaintiffs and defendants in a workers compensation case in a neutral evaluation conference. The Evaluator will usually conducts an informal presentation of facts from both parties about the … Read more
If you have been injured on the job in North Carolina, you need to know your rights and the steps that must be taken to ensure your rights are protected. Just because you are hurt on the job, you are not automatically going to receive money from your employer’s insurance company. Instead, there are certain … Read more
If you own a home and you are paying for it through a Chapter 13 bankruptcy plan, you may be worried about your taxes. You might wonder if filing takes away your home mortgage deduction. This is a fair question. Many people count on that deduction to lower their tax bill each year. The good … Read more
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
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