Bankruptcy Insights & Resources
Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
What is Forced Placed Insurance?
If your homeowner’s insurance policy lapses — or if your lender decides your coverage is insufficient — your mortgage servicer may purchase insurance on your behalf and charge the cost to your account. This is called force-placed insurance, also known as lender-placed insurance or creditor-placed insurance. It sounds like a convenience, but it is almost … Read more
How Long Does Bankruptcy Ruin Your Credit?
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 is the Workers’ Compensation Medical Status Questionnaire?
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
What Is A Form 24 In A North Carolina Workers’ Compensation Case?
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
Should I Give A Recorded Statement to the Insurance Company or Employer?
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
What Is Vocational Rehabilitation In Workers’ Compensation?
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
Can Bankruptcy Stop A Foreclosure?
If you have gotten a foreclosure notice in the mail, you may feel sick to your stomach. You might be losing sleep. You may be wondering if there is any way to stop the bank from taking your home. Take a breath. You have options, and many people in North Carolina are in the same … Read more
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