Practical guidance on Chapter 7, Chapter 13, foreclosure defense, and debt relief for North Carolina families.
If you recently financed a purchase, e.g., a home, car, furniture or appliance, you should definitely speak with your attorney. Any purchase made within the 90 days prior to filing bankruptcy may be considered a fraudulent transaction. Depending on the amount of the purchase or how the funds were obtained to finance the purchase, the … Read more
One dilemma that Christians face as they contemplate how to handle their financial difficulties is: “What does the Bible say about finances and debt?” This can be a difficult question to find accurate answers to. Although Bible verses can be interpreted in many ways, we will review Bible verses that discuss this topic to allow … Read more
If you are filing bankruptcy and giving up your home, you are probably worried about one thing more than anything else. When will someone make you leave? You may be picturing a sheriff at your door the morning after you file. That is not how it works. This article explains how long you can usually … Read more
Often, when a person files bankruptcy, they are in one of four situations regarding a vehicle: They are behind on their payments and must surrender the car (this usually happens in a Chapter 7 bankruptcy). They drive an older vehicle that is paid off. They are borrowing a friend or family member’s vehicle. They are … Read more
When you file for bankruptcy, you have to count how many people depend on you for money. This sounds simple. But it can get confusing fast. Who counts as a dependent? Your kids? Your elderly mother who lives with you? A grandchild you help raise? This matters more than most people realize. The number of … Read more
A few years ago when your home had equity, you obtained a Home Equity Line of Credit or HELOC to consolidate your debt and payoff credit cards, medical bills, personal loans, etc. It seemed like a great idea because you could eliminate all of your revolving debt and make only two payments each month…your first … Read more
Are your debts keeping you up at night? You are not alone. When people decide to finally do something about their debt, they often look at two main choices: debt consolidation or bankruptcy. Both can help. But they work in very different ways. And one may be a much better fit for you than the … Read more
Did you forget to list a debt? Maybe your income changed. Or maybe you decided you cannot keep that car after all. These things happen all the time after someone files bankruptcy. The good news is simple. You usually do not have to start over. In most cases, you can fix or update your bankruptcy … Read more
In your bankruptcy, you can choose to “give up” or surrender your secured property such as a house or a car to eliminate the debt. It would be lovely in the world of bankruptcy if you could just eliminate the debt and keep the property, but if that were the case, everyone would file bankruptcy! … Read more
The Industrial Commission of North Carolina was developed in 1929 to apply and enforce the North Carolina Workers’ Compensation Act. The Industrial Commission handles over 63,000 cases each year. The goal of the Industrial Commission is to efficiently handle the administration of workers compensation claims for injured workers across North Carolina. The idea behind the … Read more
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