Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
If you have filed or are thinking about filing a Chapter 13 bankruptcy, you have probably heard the word "confirmation." It can sound confusing or even a little scary. But confirmation is actually one of the best things that can happen in your case. Confirmation is the moment your repayment plan becomes official. The court … Read more
Are you worried that you might owe money on a business credit card? Maybe your business closed. Maybe it is still open but struggling. And now you are not sure if the debt belongs to you or to the company. This is a very common worry. The answer usually comes down to one big question: … Read more
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
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
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
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
We answer calls 24 hours a day. A free phone consultation takes 20–30 minutes and leaves you with a clear picture of your options — no obligation whatsoever.
