I often hear from clients around Asheville, NC during a bankruptcy consultation for Chapter 7 or Chapter 13 that the worst part of their financial difficulties is not job loss, indecision about living paycheck to paycheck, or budgeting problems. The worst part about not being to pay bills is often abusive debt collectors who will…
Many potential bankruptcy clients come to my Asheville office wondering whether they qualify for a Chapter 7 or Chapter 13 case (sometimes Chapter 11, but that type of case is generally for big companies with many employees or assets). The key qualifier for determining the proper type of bankruptcy relief is called the Means Test.…
If you have gotten your 2011 tax returns filed today, many of you have realized that lower income in 2011 might mean a higher tax refund as well. The average refund is around $3,000 for 2011, which generally speaking would more than pay the costs of a Chapter 7 filing. If this refund money funded…
Many people I meet with for a bankruptcy consultation in my Asheville NC office think filing a case is as low as you can get financially. On the contrary, the most difficult people for me to help are the ones who do not have secure employment. Sure, we could file a case for them, but…
As a bankruptcy attorney in Asheville NC, I frequently meet with potential clients who are worried about collection companies calling their family members and employers in an attempt to collect an old debt. Its difficult, stressful and annoying. Since the collection companies are paid on commission, their strategy is frequently to intimidate you into writing…