There is no doubt about it, bankruptcy will (at least for the short term) have an effect on your everyday life where finances are concerned – from your living situation, the way your bills are paid, how you can get credit and so on and so forth; but does it also effect being able to … Read more
The short answer is, yes, a Small Business Administration (SBA) loan is considered a dischargeable debt. New entrepreneurs or small business owners who are looking to revamp their business sometimes need an additional guarantor on a loan, due to certain factors, such as not having enough collateral. A guarantor takes responsibility for the debt and … Read more
For many, filing bankruptcy can be a very stressful, emotional and embarrassing time in your life. Ask any bankruptcy attorney, and they will tell you this is a question they are asked quite often. Most people would prefer to not tell the world of their financial problems and keep the information in their bankruptcy private. … Read more
If you are thinking about filing bankruptcy, you have probably heard about the "means test." And if you have started looking at it, you may feel confused or even a little angry. Here is what bothers most people. The means test starts with your gross income, not your take-home pay. That can feel unfair. After … Read more
Losing someone you love is hard. Worrying about their bankruptcy case on top of that grief can feel like too much. Maybe you are sick, getting older, or just planning ahead. You might wonder what would happen to your case if you passed away before it ended. This is a fair question. The good news … Read more
When you file for bankruptcy, you are required under penalty of perjury to disclose all assets, all income, and all financial transactions from the previous years. That includes gambling. Whether you won money at a casino, received poker winnings, or profited from sports betting, those amounts must be reported — no matter how small or … Read more
If the phone keeps ringing and the letters keep coming, you may be thinking about telling your creditors that you plan to file bankruptcy. That is a fair question, and a lot of people in North Carolina wonder the same thing. You want the calls to stop. You want some peace. This post explains when … Read more
Moving while you are in the middle of a bankruptcy case happens more often than you might think. Maybe you found a cheaper place to live. Maybe you got a new job in another city. Maybe your family is growing and you need more room. Whatever the reason, you may be worried that moving will … Read more
Do you remember your wedding day? Think back to your vows you made to one another, especially “through sickness and in health.” When you promise to spend your lives together, you are also promising to provide and support the other person, making sure all their needs are met and expenses paid. These needs are recognized … Read more
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