Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
When you file Chapter 13 bankruptcy, you send one payment each month to the Chapter 13 trustee. But where does that money actually go? Who gets paid first? When will your car loan be paid off? These are fair questions. You work hard to send that money every month. You deserve to know how it … Read more
Filing Chapter 13 bankruptcy without an attorney — known as filing “pro se” — is legally permitted. But the data on what happens when people try it is sobering. According to a study by the American Bankruptcy Institute, pro se Chapter 13 filers complete their cases successfully only about 2.3% of the time. That means … Read more
If you are thinking about filing for bankruptcy, you are probably worried about your credit. That worry is normal. Many people fear that bankruptcy will destroy their credit forever. The truth is more hopeful than that. This guide explains what happens to your credit report and credit score before, during, and after bankruptcy. It is … Read more
Finding out you may inherit money or property should feel like good news. But if you recently filed Chapter 7 bankruptcy, you might be worried. Could the bankruptcy trustee take your inheritance? Do you have to report it? What if you already got your discharge? These are fair questions. The rules around inheritances and Chapter … Read more
Tax season can feel stressful enough on its own. When you add a bankruptcy on top of it, you may wonder if everything changes. The good news is that for most people, filing your taxes after bankruptcy looks a lot like it did before. This post explains how bankruptcy affects your tax return, what forms … Read more
You have made your Chapter 13 payments for years. Now you are close to the finish line. You may be wondering what happens next. When does the bankruptcy actually end? When do your debts go away? And what should you do to wrap things up the right way? This is an exciting time. It is … Read more
While you are in your Chapter 13 bankruptcy, plenty of emergencies can come up that will make it crucial for you to incur debt. These emergencies can range from needing to get a newer vehicle or to pay for a costly, but necessary, medical procedure. Before you incur any debt a Motion to Incur Debt … Read more
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