PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our bankruptcy clients the ability to meet with us in person, via telephone, or through video conferencing. Please contact our office to discuss your options.
Being in debt can be stressful. Debt collection agencies can be relentless. Debt collectors can be aggressive in their methods, even breaking the law sometimes. Being in debt does not mean you sacrifice your legal rights. You’re not obliged to succumb to the unlawful...
If your credit card balances have been steadily increasing or if you have cards that are already maxed out, you probably experience a lot of stress about your financial situation. When you hear an ad on the radio or see a post on social media talking about how credit...
Chapter 7 bankruptcy doesn't work for everyone. Those with income above the state median may not qualify. Even people with no income may find it is not the right kind of bankruptcy for them if they have a lot of personal property. You do have the option of protecting...
When you receive a medical bill that is thousands of dollars, the shock of the price tag alone may make you set aside the bill for another time. Putting off paying will only end up having the bill go to collections. Once a bill goes to collections, the collectors will...
It’s easy to amass substantial credit card debt in North Carolina and in other states. There could have been unpaid bills stacking up. You lost your job and now you use your credit card too frequently to pay for expenses. You lost track of your balance until it...
Myths about bankruptcy are so common that many people don't know the real risks and benefits of the process. For example, some people think you have to sell all of your assets when you file bankruptcy, but that isn't true. You may have to liquidate certain assets when...
You probably have received a notice in the past stating that you can get insurance on your credit card for a few extra dollars a month. Credit card protection insurance can help you if you find you cannot make your minimum card payments for some reason, but this...
Financial institutions and credit card companies often market their cards by offering very low interest rates and minimal payments for a fixed amount of time on balances that you transfer from other credit cards. A balance transfer can seem like a great short-term...
When you owe more money than you can reasonably repay, things get stressful very quickly. The companies that you owe money to will start calling you and sending you strongly-worded letters. They may freeze a line of credit that you rely on to cover your expenses or...
This last year has tested everyone’s mental health. If you’re finding yourself slipping deeper into debt, whether because your hours have been cut, you’ve lost your job and/or you’ve had to deal with medical bills, you may have become so focused on what you’re going...
