My bankruptcy law office in Asheville, North Carolina stays busy. Almost every day I meet with clients or potential clients scared of filing a bankruptcy case because the process for filing Chapter 7 or Chapter 13 feels daunting to them. Usually, I respond by saying, “Your bankruptcy case will be relatively simple. The key to…
If you are currently in or thinking about using a debt settlement program, contact a bankruptcy attorney’s office to figure out your other options during a free, initial consultation. The ads online and on television scream, whatever you do, “Don’t file a bankruptcy case!” This marketing pitch, being sold mainly by non-attorneys who are not…
Many potential bankruptcy clients near Asheville come to see me about hiring me as their bankruptcy attorney as a last resort. They thought financial difficulty would never happen to them, and they have tried just about everything to avoid seeing a lawyer. This USA Today article explains how the recession is the culprit for many…
As an Asheville bankruptcy lawyer, when I tell people about the costs of a bankruptcy filing, I get some strange looks. Most people who need a bankruptcy filing do not have extra money lying around ready to be spent on paying a bankruptcy attorney. Here is a great article about a recent bankruptcy study which…
Many potential bankruptcy clients come to my Asheville office wondering whether they qualify for a Chapter 7 or Chapter 13 case (sometimes Chapter 11, but that type of case is generally for big companies with many employees or assets). The key qualifier for determining the proper type of bankruptcy relief is called the Means Test.…
Many people I meet with for a bankruptcy consultation in my Asheville NC office think filing a case is as low as you can get financially. On the contrary, the most difficult people for me to help are the ones who do not have secure employment. Sure, we could file a case for them, but…
As a bankruptcy attorney in Asheville NC, I frequently meet with potential clients who are worried about collection companies calling their family members and employers in an attempt to collect an old debt. Its difficult, stressful and annoying. Since the collection companies are paid on commission, their strategy is frequently to intimidate you into writing…
As an Asheville bankruptcy lawyer, I speak with people everyday who worry they will lose their belongings if they eliminate their credit card and medical debts with a bankruptcy case. In over 90 percent of the cases filed, Chapter 7 bankruptcy clients keep all of their property. For cars, bankruptcy clients have four different options. …
Being a consumer bankruptcy attorney in Asheville is satisfying work. Filing a Chapter 7 or Chapter 13 for a client brings relief they didn’t know existed. Helping families improve their lives immediately and effectively is why I chose this work. The worst part of my job is trying to explain to people why they should…
When speaking with a bankruptcy client last week, he said, “I’ve always paid my bills, and eventually I want to pay every penny back to the credit card companies.” I told him while I applaud how noble his thinking was, I also thought it was noble to take care of his wife and children INSTEAD…