As a bankruptcy attorney in Asheville, NC, I frequently speak with people having difficulty with their student loan debt. These folks are sharp enough to figure out that student loan debt is generally not dischargeable in a Chapter 7 or Chapter 13 bankruptcy case. Even so, I strongly recommend folks having trouble paying their bills…
One of the reasons I became a bankruptcy attorney is that debt buyers use collection companies to intimidate, harass, and threaten people for profit. Strikedebt.org has a new campaign called Rolling Jubilee which uses donations to eliminate debt for Americans who need help. This video explains the Rolling Jubilee campaign. Not lucky enough to be…
Yes, as an Asheville bankruptcy lawyer, I file individual Chapter 7 and Chapter 13 cases. An individual filing will not affect the non-filing spouse’s credit rating or appear on their credit report. Married couples are also allowed to file ‘jointly,’ where both spouses open a bankruptcy case together. The critical factor to keep in mind…
Everybody knows that they can discharge debts in a bankruptcy case. What fewer people know is that a Chapter 7 or Chapter 13 case also has the positive effect of protecting essential assets. A bankruptcy case, however, cannot protect what you have given away, sold, or used up. If you are one of those potential…