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Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
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...
Going through bankruptcy is often the first positive step toward financial stability, but there are many rumors attached to it. Many people believe that if they file bankruptcy of any sort that they are at risk of losing their house. There are two misconceptions here....
Once you find yourself deeply in debt, it may become increasingly difficult to dig your way out. If a fresh financial start is something you need, you may be giving some consideration to filing for personal bankruptcy. Per Quicken Loans, Chapter 7 and Chapter 13...
If you need relief from overwhelming debt and a way to move forward, bankruptcy can provide the path and a light at the end of the tunnel. One of the most powerful tools in a North Carolina bankruptcy proceeding is the automatic stay. According to the North Carolina...
Contrary to popular belief, you do not have to give up all your personal property if you file for bankruptcy. North Carolina has established exemptions that cover the items you can retain in a bankruptcy filing. If you have debt you cannot afford to repay, review some...
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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
