As an Asheville bankruptcy lawyer, I advise consumers to protect the things they own by using their available exemptions. In over 95 percent of the Chapter 7 bankruptcy cases filed in Western North Carolina, all of the property a consumer owns fits within the North Carolina or Federal Bankruptcy exemptions. Consumers get to keep all…
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…
Many potential bankruptcy clients schedule initial consultations because they have felt overwhelmed by debt problems for a long time. Generally, they have tried just about everything they know of to fix their financial issues and call my Asheville bankruptcy law office as a last resort. They’ve been struggling to make minimum payments on credit card…
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…
As an Asheville bankruptcy attorney, I frequently meet with folks who have been turned down recently by their bank for a mortgage loan. After speaking with the bank, and being rejected because of old debts clouding their credit report, they call me to assess how they can get their financial lives in order. Many times,…
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…
Over the years, I’ve seen patterns in the types of financial problems consumers in Western North Carolina are facing. As an Asheville bankruptcy attorney, I help people with a wide variety of financial issues. Here is a partial list of the most common reasons why many of my present and former clients have considered a…
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.…
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 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,…