As a bankruptcy attorney, one of the most basic things I explain to clients is how a Chapter 7 case works. A Chapter 7 case is also known as a liquidation bankruptcy because creditors are supposed to be paid part of what they are owed when the trustee “liquidates” assets. After this process happens, a…
I get to represent people, not corporations. Creditors’ attorneys are mainly smart, ethical, and profitable. But I chose this side of the fight because I am able to advocate for real people and tackle their very real problems. I help the honest but unfortunate debtor clear debt so they can concentrate on taking care of…
A Chapter 13 bankruptcy is available for low cost up front, and allows people with good jobs to delay a foreclosure or paying back a tax debt. Here are some features which help people in the Asheville area: While a Chapter 7 filing requires someone to pay the entire bankruptcy attorney fee up front, many…
People in Asheville have been experiencing lower number of hours at work, reductions in income, escalating medical bills and failing commercial ventures such as rental properties. The result is more people suffering, and more people seeking relief from the bankruptcy court. Sadly, before recognizing the benefits of a bankruptcy filing, many members of our community…
One of the reasons I choose to represent people near Asheville who are struggling with debt is that they are consistently mistreated by their creditors. Collection companies irritate, stress out, and threaten people in Western North Carolina as a strategy to make more money. Forgery, Deceit By Collection Companies (via New York Times) Why do…
Many times I meet with clients who simply cannot afford to remain in their underwater homes inside or outside of bankruptcy. Not knowing what is going to happen next is often the worst part. Here is a first hand account of what happens when you walk away.
Often times, people come into my office asking for a solution which helps them “pay all their bills.” Their sense of self-worth is strongly related to keeping their word, and they feel as though they promised to pay credit card companies back when they made purchases. Talking to a bankruptcy attorney feels like giving up.…
Many clients are amazed at how quickly and easily they are able to obtain their discharge in a bankruptcy case. They were scared of their neighbors finding out, their employers finding out, and all of their creditors showing up in an angry mob against them. When none of those things happen, and their discharge arrives…
If you are suffering from the current economic conditions, you are not alone. The unemployment rate has risen in Western North Carolina again, as reported here. If you find yourself in financial trouble, one of the keys to success is figuring out your options early. At an initial consultation, we can talk about the steps…
When I meet with someone to determine what options they have after falling behind on mortgage payments, we generally look at a couple simple questions. First, we determine if there is any equity in the home. Although this can be a challenge in the current market, websites such as zillow.com help paint a general picture…