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Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
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...
When contemplating the decision of filing for personal bankruptcy, one of the most important elements to consider is which chapter you choose to file under. Chapter 7 bankruptcy is by far the most common path sought by people in North Carolin (and throughout the rest...
If you are having trouble keeping up on your mortgage payments, you are not alone. Millions of Americans are behind on their mortgages and at risk of getting foreclosed upon. While foreclosure is always a problem in North Carolina, the pandemic and the resulting...
Regardless of the circumstances, every consumer has rights that must be protected even when he or she falls behind on financial commitments. One example includes the rights of a person when his or her vehicle may be repossessed. Reasons for a repossession As...
Credit cards, loans and mortgages make it all too easy to buy what you can’t normally afford. But while borrowing money is often necessary to make significant purchases and build credit, if you’re not careful, you could find yourself in a pattern where you are...
You work. You receive a regular paycheck and make good-enough money. Yet somehow, you find yourself struggling with debt. To regain control of your finances, you may consider filing for Chapter 13 bankruptcy. Before filing for Chapter 13, you should understand how the...
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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
