If someone co-signed a loan with you, you are probably worried about more than your own debt. You are worried about them. Maybe your dad signed for your car. Maybe your spouse is on the same credit card. Now you are thinking about bankruptcy, and you want to know one thing: will your bankruptcy protect … Read more
Losing a car in bankruptcy is stressful enough. Then a property tax bill shows up in the mail, and you wonder why you owe taxes on a vehicle you no longer have. It feels unfair. You may even worry the county made a mistake. This article explains why that bill comes, who is responsible for … Read more
Are you in prison, or do you have a loved one who is? Maybe debt collectors are still calling. Maybe a lawsuit is moving forward. Maybe wages or a bank account are being garnished. You may be wondering if you can even file for bankruptcy while behind bars. The good news is that yes, you … Read more
The Short Answer Yes. When you file bankruptcy, you must list every asset you own. That includes stock, mutual funds, and other investments, even if you hold them in an app or an online account. But listing stock does not always mean losing it. North Carolina exemption laws may protect some or all of your … Read more
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
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