As an Asheville bankruptcy lawyer, I talk about options for homes with people who are facing difficult financial circumstances.Generally, if you want to keep your home, the most important thing moving forward is your ability to continue making the mortgage payments. Chapter 7 v. Chapter 13 Bankruptcy In a Chapter 13 bankruptcy case, the bankruptcy…
As an Asheville bankruptcy lawyer, I speak about the costs of filing a bankruptcy case at every initial consultation.Part of figuring out a strategy to improve your financial situation is evaluating the costs of filing a bankruptcy case, and comparing those with the costs of not filing a case. Are you currently making payments on…
As an Asheville bankruptcy attorney, I hear from many clients after they get served by the sheriff with a collections lawsuit. A suspicious knock on the door inspires fear and more stress about a client’s financial trouble. My initial reaction when fielding such a call is, “Don’t panic, you have options, lets get you on…
As an Asheville bankruptcy lawyer, I recommend filing bankruptcy cases to clients when I feel it will improve their financial condition.Chapter 7 and Chapter 13 both have advantages and disadvantages.My job is to explain to clients which financial tool will help them more, and recommend a path forward based on the specifics of their situation.…
As an Asheville bankruptcy attorney, I spend a large portion of initial consultations discussing the negative consequences of filing a case.One fear which is often overblown, in my view, is the effect of a filing on your credit score. Many folks incorrectly think they will not ever have access to credit again or will not…