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Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
If you are carrying overwhelming debt, you may be considering pulling funds from your retirement savings. That may be especially true if you hope to have many years of work ahead. However, doing so may hurt your overall financial health in both the short and long...
The Small Business Debtor Reorganization Act went into effect in February of 2020 to provide small businesses with financial relief. Known as Subchapter 5 of the Bankruptcy Code, business owners experiencing a temporary hardship may qualify if their debts do not...
As a victim of debt, you already spend a majority of your time feeling ashamed of your situation. Fear is the last thing you need to deal with on top of that. Unfortunately, this is exactly what harassing debt collectors instill in victims. But how can you tell if you...
Debt collection has become a lucrative business in recent decades. If you have fallen behind on your bills or have delinquent accounts, a debt collector may try to convince you to pay. The tactics these individuals use to obtain payment, though, are not always...
When you are struggling with debt, the last thing you want is to deal with the stress of a debt collector on top of everything else. Even when they follow all the rules, the act of collection attempts alone is often stressful. But unfortunately, they do not always...
If you default on your car loan, your vehicle may be at risk of repossession. When this happens, you may be able to avoid it or you can lessen the damage that comes from it. According to NerdWallet, lenders hire repo agents to locate and repossess your vehicles. Can...
You want to keep current with your mortgage payments so that your home remains secure, but you are having trouble making the monthly payments. What can you do? Two different options may be available to you depending on your hardship. Mortgage forbearance Mortgage...
A job loss or temporary layoff not only reduces income, it may also result in losing a health insurance plan. If a serious illness or medical condition develops while unemployed, a trip to the emergency room could cause overwhelming financial problems. One in four...
The financial relief from bankruptcy can allow a family or business to get back on its feet again. However, certain people do not fit into the right circumstances to qualify for Chapters 7, 11 or 13. According to the U.S. Bankruptcy Courts, the solution designed for...
If you are struggling to pay your monthly bills, you may want to explore debt relief, such as a bankruptcy filing. A good way to gauge your financial well-being is to calculate your debt-to-income ratio. This ratio simply compares your monthly expenses with your gross...
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We are a debt relief agency under the United States Code. We help people file for bankruptcy relief under the Bankruptcy Code
