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Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
Many North Carolina residents are facing a growing pile of debt, and if you count yourself among them, you may be looking for ways to find relief. Depending on circumstances, bankruptcy may be an option worth considering. If you decide to move forward with personal...
Chapter 1 bankruptcy is specifically for family farmers' bankruptcies. It is similar to Chapter 13 as it is a restructuring plan. The American Farm Bureau Federation explains there are many benefits to Chapter 12 if your farm is suffering from loss of income due to...
Choosing bankruptcy is not easy. You may have been struggling for years to dig your way out of credit card debt or pay medical bills that you could not realistically pay off in a lifetime. While some people seem to take this step more easily than others, the relief...
Making the decision to declare bankruptcy is never an easy one, as there are many factors involved, including which assets you can keep once the process begins. You may worry about losing the things most valuable to you, such as your vehicle. Experian notes that a...
Repossession occurs when you fail to make your auto loan payments on time. It is the lender’s main course of action it can take against you. The North Carolina Department of Justice explains you should try to fix the situation before repossession occurs by reaching a...
If you are struggling to keep up with your mortgage and you are behind on payments, you may be at risk of foreclosure. Fortunately, there are options that may help you keep your house. Whether you are facing short-term or long-term money issues, you may find a...
Debt can come from a variety of situations, from medical bills to layoffs to money management mistakes. Sometimes your debt becomes so overwhelming that it becomes time to consider bankruptcy as a way to move forward. Bankruptcy can be a helpful tool if you are over...
Even though creditors have the right to seek payment from debtors, there are many things the law prohibits a creditor from doing. For instance, creditors are not allowed to use unfair practices to try and collect on a debt according to the Fair Debt Collection...
If you decide to file for bankruptcy in North Carolina, you can keep personal property and other items to assist in a fresh financial start. These items, called exemptions, apply to individuals who live in the state for at least 730 days before filing for bankruptcy....
If you are facing financial challenges as a business owner, know that you are not alone. Across the country, many businesses have had to close their doors in recent months. If you have high levels of debt and you are unsure of what to do about this problem, you need...
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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
