Yes, you can. An Asheville Bankruptcy Lawyer can explain your choices, and make a recommendation on the best strategy for you. If the collateral is real estate and your payments are current on the date that you file the Chapter 7, and your equity in the collateral is covered under the exemptions ($35,000 per spouse…
Judge George Hodges, though still presently serving the Asheville Bankruptcy Court, announced his retirement earlier this year. Judge Laura Beyer began work for the Western District of North Carolina last Tuesday to begin her 14 year term. Read about her outstanding credentials here: New Bankruptcy Judge Feels Deep Sense of Commitment. The Bankruptcy Court…
If you have received a wage garnishment order, you should speak to an Asheville area bankruptcy attorney who can explain your options during a free initial consultation. In North Carolina, wage garnishment is generally not permissible for ordinary creditors. The important exceptions are for back taxes, alimony, child support and some types of student loans.…
Because more people are having trouble paying their bills, debt collectors have become more aggressive with their tactics. Read all about it in this USA Today article: More Complaints Lobbed at Debt Collectors. If you are being hounded by a Debt Collector, you should know your rights. Many consumers pay money to debt collectors under…
If you have been putting off speaking with an Asheville Bankruptcy lawyer, and have medical or credit card debt, you could be pleasantly surprised at the debt elimination options you have. Before you cash out a retirement account, start paying a debt consolidation company, or borrow money from family, you should sit down with a…
In case you missed it, banks are trying to charge you more as quietly as possible. Read about the charges here: Banks Quietly Charging More. I point this out because every single day I encounter people who are embarrassed to be in my office, and tell me they feel bad about not paying back “their…
A Chapter 13 bankruptcy is a powerful tool for people who have a steady job, but are having difficulty keeping up with their bills each month. Typically, a Chapter 13 is filed for one of the following reasons: ~ A Client is behind on their car or mortgage payments and wants to save it ~…
As a bankruptcy attorney, one of the most basic things I explain to clients is how a Chapter 7 case works. A Chapter 7 case is also known as a liquidation bankruptcy because creditors are supposed to be paid part of what they are owed when the trustee “liquidates” assets. After this process happens, a…
I get to represent people, not corporations. Creditors’ attorneys are mainly smart, ethical, and profitable. But I chose this side of the fight because I am able to advocate for real people and tackle their very real problems. I help the honest but unfortunate debtor clear debt so they can concentrate on taking care of…
A Chapter 13 bankruptcy is available for low cost up front, and allows people with good jobs to delay a foreclosure or paying back a tax debt. Here are some features which help people in the Asheville area: While a Chapter 7 filing requires someone to pay the entire bankruptcy attorney fee up front, many…