When there is not enough money in the household budget to pay all the required bills, consumers face a difficult choice about what bills to pay. As an Asheville bankruptcy attorney, I know it is quite common for the loudest and most annoying creditor to get paid which means more important household bills get neglected.…
DetailsAs an Asheville bankruptcy attorney, I frequently meet with consumers who are stressed out by the incessant calls or threatening letters they are receiving about a debt. The debt collectors, if acting on behalf of the original creditor, generally must comply with the Fair Debt Collection Practices Act (FDCPA). The Act promotes ethical business practices…
DetailsAs an Asheville bankruptcy lawyer, one of my main tasks is to figure out a client’s best financial alternatives. I try to explain those options in a way that is easy to understand and simple to execute. Frequently, potential clients ask, “What is better for me? Debt settlement or bankruptcy?” Here are some of the…
DetailsAs an Asheville Bankruptcy Lawyer, I speak to potential clients on a daily basis who are having difficulty paying their bills. Once behind, consumers grow concerned about the assets most precious to their family’s health and well-being: their house, their retirement accounts, and the money they had planned to leave behind for their children. At…
DetailsMy busiest time as a bankruptcy attorney in Asheville, NC is about to begin. Just as gym memberships rise after New Year’s Eve celebrations end, so do bankruptcy filings. Here are answers to a couple key questions about how to become debt free through the bankruptcy courts. What kind of relief am I eligible for?…
DetailsAs an Asheville bankruptcy attorney, I speak with many potential clients soon after they get served by the sheriff with a collections lawsuit. The uncertainty surrounding a legal action is unwelcome and stressful. Although a collection lawsuit can be intimidating, many times clients can defeat the action by taking the appropriate action either in bankruptcy…
DetailsThe most expensive type of short term financing is getting more expensive in North Carolina. Targeting consumers who are desperately trying to make ends meet, these lending companies pay millions to influence the North Carolina legislature. The result is higher interest rates, more fees, and much larger profits for the companies. As an Asheville bankruptcy lawyer,…
DetailsAs an Asheville bankruptcy lawyer, I frequently sit down with people who own a small business which is struggling to make ends meet. It is important for the small business owner to understand their rights both in bankruptcy and outside of bankruptcy before calculating their next best financial move. How is the business organized? If…
DetailsAs an Asheville bankruptcy lawyer, I hear it most days from potential clients: “I’m working hard every single month, but after I pay my bills, there never seems to be anything left.” Everyone I meet with during a free, initial Asheville bankruptcy consultation is living on a budget. Some folks, like my amazing co-worker Michelle,…
DetailsOne of the reasons I became an Asheville bankruptcy lawyer is that I believe the debt collection industry is unfair. Frequently, the debt collectors know that their targets are judgment proof, meaning the collector can only receive money voluntarily from the borrower – not through the legal process. Still, their approach is to continue calling.…
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