Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
One of the most powerful but underused tools in bankruptcy law is the ability to eliminate a judgment lien on your property — permanently, through your bankruptcy case. This is done through a motion to avoid a judicial lien under 11 U.S.C. § 522(f), and it can mean the difference between walking away from bankruptcy … Read more
If you have filed for bankruptcy, or you are thinking about it, you may have one big worry: What if my case gets thrown out? That fear is normal. You are trusting the court to give you a fresh start. The last thing you want is for your case to end without that fresh start. … Read more
Most employers’ employees are covered by workers’ compensation insurance. This workers’ compensation insurance is provided by a third party insurance company, not the employer themselves. Insurance companies are required by the state to keep a reserve of money on hand to cover the cost to pay out benefits to the injured worker. Therefore, if your … Read more
If you are thinking about settling your credit card debt for less than you owe, you may have heard you can save a lot of money. That is often true. But there is a part of debt settlement that catches many people by surprise. The forgiven debt can count as income on your taxes. That … Read more
The creditors’ meeting is a serious affair and can take several hours. Most children (adults too) will find it boring and may not be able to sit still that long. While you may bring your child with you, if he or she can’t remain quiet and sit still for an extended period of time it … Read more
Before you file bankruptcy your attorney will ask you for verification of your last six months of income as a factor to determine Means Test qualification. The Means Test is a household income limit you must fall below according to the number of household occupants in order to qualify for a Chapter 7 bankruptcy. Child … Read more
When you file bankruptcy, you are required to provide proof of your Social Security number as part of your petition. Most people satisfy this by providing a copy of their Social Security card. If you have misplaced or lost your card, you will need to get a replacement before or shortly after you file. The … Read more
If you get food stamps and you are thinking about bankruptcy, you may feel worried. Maybe you fear this help will count against you. Maybe you think it will push your income too high. Or maybe you are scared the court will take your benefits away. Take a deep breath. Food stamps are a normal … Read more
If you and your partner are married under common law, you may be wondering if you can file bankruptcy together here in North Carolina. That is a fair question. The rules about common law marriage can feel confusing, and adding bankruptcy on top of it makes things harder. The good news is that the answer … 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.
