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
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
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
Clients have frequently asked us what is the difference between a deed in lieu of foreclosure and a bankruptcy? First, a deed in lieu of foreclosure (DLF) is when the homeowner signs over and transfers the deed to the home to the mortgage company without the legal process of a foreclosure. Most people believe this … Read more
If a creditor has sued you and won in court, that court judgment can follow you for a long time — especially if the creditor takes steps to attach it to your property. Understanding how long judgments and liens last in North Carolina, and what options you have to deal with them, is important whether … Read more
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