No, only the person who files a bankruptcy case will have the filing reported on their credit history. Under the bankruptcy code, a person has a right to file a case without their spouse. As a bankruptcy attorney in Asheville, NC, a common question I receive from stressed out consumers is whether they should file…
As a North Carolina Student Loan Lawyer, I spend time working with students living anywhere in North Carolina on resolving issues regarding their loans and payback options. Yesterday, the income-based repayment options were expanded. Read the NPR article here. As explained in the article, one of the primary issues with former students struggling with repayment…
I talk to many residents in Western North Carolina who are approaching retirement age, and are having financial difficulties. As an Asheville bankruptcy attorney, I can help folks sort through fact and fiction when deciding how to protect the assets you intend to pass on to your relatives after death. Exemptions inside and outside of…
Most of the time, all of it. As an Asheville bankruptcy attorney, I speak with people daily about how it is possible to become debt free and achieve a financial “fresh start” through our country’s bankruptcy system.An important concept in bankruptcy is that people should be allowed to keep certain property they own which is…
The usual options to get a student loan out of default are consolidation, rehabilitation, or repayment. As a North Carolina student loan lawyer, I help people from anywhere in North Carolina cure the default status of their student loans.By doing so, wage garnishments are halted.In addition, student loan borrowers struggling with payments can begin receiving…
When financial trouble strikes, people get creative trying to make ends meet. One common strategy is to use retirement money to pay monthly bills. As a bankruptcy attorney serving clients in Franklin, NC, I speak to people daily about ideas they have come up with to deal with their debt problems. I almost never suggest…
As a bankruptcy attorney in Asheville NC, I speak with people daily about how they are deciding which creditor to pay first when their financial situation becomes strained.Frequently, the loudest creditor is the last one my potential clients should be paying. Credit Card Collectors When a credit card bill goes unpaid, many accounts are automatically…
As an Asheville NC bankruptcy attorney, most people I speak with do not realize what legal options they have concerning their debts, or that many of their friends and neighbors have already decided to file a bankruptcy case.More than 1 million people filed for bankruptcy protection in 2013.The statistics from my own practice may surprise…
As an Asheville bankruptcy attorney, one of my functions is to help clients estimate the correct values for the property they own.By doing this well, we can permanently protect assets from the reach of the client’s creditors.This process has recently become more complicated for folks living near Asheville who have equity in their homes, want…
As an Asheville attorney practicing bankruptcy law, the thing I like best about my job is interacting with clients.I represent debtors who have worked hard, maybe made some honest mistakes, but have set their egos aside in order to provide more for their families.They have decided to file a bankruptcy case. Bankruptcy cases provide tremendous…