I love our family doctor. If I file a bankruptcy case, am I allowed to pay him back?

Yes.  As an attorney practicing bankruptcy law in Asheville, NC, I counsel people all the time who are concerned about how friends and neighbors will react to a bankruptcy filing.  First of all, in the majority of cases, the only folks who find out about a case are your creditors, the trustee, your attorney, and…

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Is my 2012 tax refund protected if I file a bankruptcy case?

As an Asheville bankruptcy lawyer, I help people protect various assets.  This is called exempt property.  In over 90 percent of the Chapter 7 bankruptcy cases I file, all of the property my clients own fits within the North Carolina or Federal Bankruptcy exemptions.  They get to keep all their property. One type of asset…

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Bankruptcy and Debt Information: Where do I go to get started?

As an bankruptcy attorney in Asheville, North Carolina, I meet every day with people who are overwhelmed with debt problems but do not know where to begin.  I encourage everyone in Western North Carolina who is feeling pressure from bill problems to seek help from a qualified, bankruptcy attorney who offers free consultations.  Your problems…

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3 Bankruptcy Keys To Success

As an Asheville bankruptcy lawyer, I speak with people every day who are upset and overwhelmed by their financial situation.  If they could work harder, make more money, and pay back all their debts, they would.  Unfortunately, in today’s economy, it is frequently not that easy.  When called upon, my job is to help honest…

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Collections Lawsuit. Is my property going to be seized?

Many bankruptcy clients wait until they get served by the sheriff with a collections lawsuit before seeking help with their financial problems. Better results can be achieved by acting earlier, but all is not lost merely because a lawsuit has been initiated.  My first reaction when fielding such a desperate call is, “Do not panic,…

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Student Loan Debt: Should I explore my bankruptcy options?

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…

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Can I File A Bankruptcy Case Without My Spouse?

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…

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