The most expensive place in the world to get sick is the United States. According to a new study by the Kaiser Family Foundation and the New York Times, 20% of people who own health insurance policies have still had difficulty paying a medical bill within the past year. 53% of people who do not…
As an Asheville bankruptcy attorney, I sit down with potential clients who give various reasons for why they had waited for a long time before sitting down with me to discuss their financial situation and relief options. One common explanation I’ve heard many times is that “I would have called you last year, and have…
Frequently, all of it. The same North Carolina exemptions which protect certain property in a bankruptcy filing also protect a consumer’s property if they never file a bankruptcy case. This renders many consumers “judgment proof,” meaning that the judgment creditor may not seize their property and sell it in order to pay off the debt. …
Probably not. During initial consultations, I usually ask clients to tell me about what debts they owe so we can create a plan to deal with them efficiently. Many clients tell me about some of their debts, and then explain that the rest of their debts have been “charged-off.” A “charge-off” usually means the original…
Getting served with a collection lawsuit can be intimidating. But even after a consumer gets served, they still have rights under the law. A lawsuit is a shocking and stressful indication that you should quickly determine your best course of action by seeking the advice of a qualified professional. As an Asheville bankruptcy lawyer, I…
When financial trouble hits, consumers will do almost anything to make ends meet. Cashing out retirement accounts is common if a family falls behind on bills. I’ve seen this strategy being used time and time again as a bankruptcy lawyer serving Western North Carolina. It makes sense for consumers to consider all of their alternatives,…
As 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…
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…
As an Asheville bankruptcy attorney, I speak with many clients soon after they get served by the sheriff with a collections lawsuit.Although a collection lawsuit can be intimidating, many times clients can defeat the action by taking the appropriate action either in bankruptcy court or through the state court proceeding. If Served, You Still Have…