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Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
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...
Besides facing bankruptcy, you may also live with the ever-looming threat of losing your home through foreclosure. Can you do anything to keep your residential property while navigating a tough financial storm? The U.S. Department of Housing and Urban Development...
When you are looking for debt relief, bankruptcy is one of the many options available to you. Each option has its own benefits and potential drawbacks. It is important to carefully examine each one and come to a conclusion about which suits your situation the best. ...
Working one or two jobs to barely afford basic living expenses is an unfortunate reality for many people. Perhaps you are struggling with getting out of debt or trying to keep your home out of foreclosure or your vehicle out of repo status. Of primary concern is your...
An unforeseen financial hardship could cause you to fall behind on your mortgage payments. This could mean the loss of your home due to foreclosure. Fortunately, there are ways to prevent this. Filing for bankruptcy is one way to stop foreclosure, but there are also...
Hearing that your home is in foreclosure in North Carolina may create panic when you realize your family has nowhere to go. While your future may look uncertain, remaining calm can help you stay realistic about your situation. While your circumstances may feel...
Your debt-to-income ratio is simply how much debt you owe creditors relative to your income. Credit reporting bureaus, such as Experian and Equifax, consider debt-to-income ratio and other information when establishing your personal credit score. Lenders may also...
Knowing that you owe money that you do not have the funds to pay can bring stress. If you find yourself dealing with relentless harassment from debt collectors in North Carolina, that stress can multiply until you reach a breaking point. While it is not uncommon for...
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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
