Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
The saying, “the early bird gets the worm” is not always the best advice to take. For example, if you have already consulted with your bankruptcy attorney and decided that once you file your bankruptcy you will be surrendering your vehicle, giving it up voluntarily before the bankruptcy is filed is not the best decision. … Read more
If you are behind on your house payments and are considering filing Chapter 13 bankruptcy to save your home, it is important that you find out whether you have forced placed insurance. Your bankruptcy attorney may ask you whether your homeowner’s insurance payments are usually included in your mortgage payments (in other words, whether your … Read more
If you are considering getting a clean slate and filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in North Carolina, you have probably heard that bankruptcy will “ruin your credit for 10 years.” Fortunately, this is not true – as long as you are taking the necessary steps to care for your credit post-bankruptcy. … Read more
What if you are injured at work and your employer or their insurance provider want to know from the doctor the status of your injury? One of the ways they can do this is by simply requesting the treating physician to fill out a Medical Status Questionnaire to the physician. This is a form that … Read more
When you receive your workers’ compensation benefits, you have been evaluated by a doctor as to what limitations you may have when you go back to work. Let’s say that you have hurt your arm, and the doctor limits you to “light duty” work, and perhaps sets a limit to the weight that you can … Read more
The answer is maybe! When an employer, or especially their workers’ compensation insurance company, wants to take a recorded statement from you, they are not trying to help you. They will probably try to use the statement against you in the future. Most of the time they are gathering ammunition to use against you in … Read more
To have vocational rehabilitation services provided, the insurance company must agree to provide the job training or appropriate rehabilitation. If they do not agree to provide these services then the injured worker, usually through their attorney, can request the Industrial Commission require the insurance company to pay for these services. At this point, a rehabilitation … 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.
