Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
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
The job of the nurse case manager is to work directly with the individual patient in order to coordinate patient care. The nurse case manager is a registered nurse employed by the insurance carrier. The nurse case manager will often coordinate treatments between multiple doctors, and also keep the insurance carrier up-to-date about ongoing treatments, … Read more
For short-term disability benefits, this often times depends on your specific short-term disability policy. While it may be possible to receive both benefits, oftentimes exclusions are made if workers’ compensation is paid. Just as with short-term disability, your ability to collect long-term disability benefits along with workers’ compensation will depend on the specifics of your … 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
In North Carolina, employers must carry workers’ compensation insurance if they have three or more employees. If you work for a company with three or more employees, you should be covered under your employer’s workers’ compensation insurance if you are injured on the job, even if you are a part-time or temporary employee. If you … 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
Generally, North Carolina workers’ compensation law covers injuries that are sustained as a result from an accident that occurs during the course of employment. As you might imagine, there are plenty of gray areas to workers’ compensation law. One of the main elements that must be proven in a workers’ compensation case is that the … Read more
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