I filed a bankruptcy case. How do I go about improving my financial condition afterward?

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…

Bankruptcy Means Test: What Type of Relief do I Qualify For?

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.…

How Do I Stop Collection Calls?

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…

Can I Keep My Car in a Chapter 7 Bankruptcy?

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. …