Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
The phone keeps ringing. Letters pile up. Maybe a paycheck got smaller because of a garnishment, or you got a notice about a foreclosure sale. If you are living with this kind of pressure, you may have heard that filing bankruptcy can make it stop. That protection has a name. It is called the automatic … Read more
A Notice of Rights to Have Exemptions Designated is a fancy way of the creditor letting you know that your property is going to be taken from you. As mentioned in another blog post, after the creditor serves you with a lawsuit you have 30 days to provide a written response, also called an answer, … Read more
Like many areas in the law, it depends. If the heart attack occurred during your normal work activities, usually the heart attack injury is not compensable under North Carolina workers’ compensation laws. For the injury to be compensable, the worker must show the heart attack was caused by some unusual or unexpected event and was … Read more
You sure can! It may be a bit more difficult to find a place that will rent to you than it otherwise would be, but be patient. Depending on the rental agency, you may be required to pay a higher security deposit or even be required to have a co-signer. It really depends on the rental agency.
Preference in a bankruptcy means that you are showing favoritism to one creditor over the others. In other words, you treat one creditor better than another. For an example, let’s say that you received a bonus check of $1000 on top of your regular pay. You have a large number of creditors and you owe … Read more
Food stamps are a wonderful benefit for those who qualify. If there are times when you are finding yourself in the predicament of deciding whether to pay the energy bill or buy groceries for the week, you should take the time to research the eligibility requirements for food stamps. If you are in North Carolina, … Read more
With the ever improving online banking that is available through most banks, it is possible to pay almost all of your bills without ever stepping foot outside of your home. There is no doubt filing bankruptcy can impact every situation of everyday life, but what about paying your bills? What happens if you have everything … Read more
Losing a car you can no longer afford is stressful. Maybe you are behind on payments. Maybe you know that next month, or the month after, you simply will not be able to keep up. You may be thinking about handing the car back to the lender yourself instead of waiting for someone to come … Read more
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