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...
Guiding North Carolina individuals and business owners toward financial stability through bankruptcy.
Bankruptcy
Is your debt-to-income ratio more than 43%?
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...
Understanding the Chapter 7 means test
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...
How bankruptcy can help if you are facing home foreclosure
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...
What should you know about the Chapter 13 repayment plan?
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...
How the coronavirus stimulus bill affects consumer bankruptcy
As the global economy sinks into a coronavirus-fueled recession, millions of Americans are wondering how they will make ends meet. Unemployment rates are skyrocketing. Small businesses are going under left and right. Renters and homeowners alike are scraping to make...
New act to protect veterans during bankruptcy
Soldiers in every branch of the military make a lot of sacrifices when they serve our country. They might sacrifice time with their family and friends. And many of them sustain severe injuries or disabilities for their brave sacrifices and service. There are systems...
How to tell your children about bankruptcy
As a parent, filing for bankruptcy can be a confusing decision. While it may be the best way for you to deal with debt and regain financial stability, it can be hard to talk about the topic with your kids. How do you discuss bankruptcy with your children without...
Tips for Disaster Preparation and Aftermath
It's important for you and your family to prepare for any oncoming disaster, although hurricanes tend to give you some advance warning. All preparation done prior to the rain, wind, and flood, is going to be for your safety and shouldn't be neglected. But if you're...
How To Pinch Pennies on a Budget
You may think that you are already on top of things by packing your lunch and buying groceries in bulk, but there is much more to making the most of your money without giving up the things you love. Once you have realized budgeting, coupons and sales are not 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
