Individuals in North Carolina who file a bankruptcy petition are requesting a federal court to protect them from creditors. The court will oblige this request by putting a hold on collection activity and lawsuits. The petitioner will also enjoy a repayment plan that...
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Bankruptcy Help For Everyday People
Chapter 13
How may bankruptcy be able to help with foreclosure?
On behalf of Wootton & Wootton, P.C. | Aug 3, 2020 | Chapter 13, Chapter 13 Bankruptcy
For anyone struggling with debt and to make mortgage payments, and worried about foreclosure and holding on to their family home, personal bankruptcy options are important to understand and consider. Personal bankruptcy options may be able to help consumers and...
Will I lose my car when I file for bankruptcy?
On behalf of Wootton & Wootton, P.C. | Jul 17, 2020 | Chapter 13, Chapter 7
This is one of the most common questions people ask. Will I lose my car when I file for bankruptcy protection? There are a lot of rumors and misinformation swirling around that filing bankruptcy automatically makes you lose your car. In reality this is far from the...
How debt could be discharged in Chapter 13 bankruptcy
On behalf of Wootton & Wootton, P.C. | Jul 1, 2020 | Chapter 13, Chapter 13 Bankruptcy
There are many different purchases that people in North Carolina make using credit cards or by taking loans out for the purchase. People also may incur unexpected bills such as medical bills from an unexpected illness or injury. It is not uncommon for people to have...
Home Loan Modification and Ch. 13
On behalf of Wootton & Wootton, P.C. | May 11, 2020 | Chapter 13
Many of our clients do not realize that it is possible to still modify a mortgage on a home while in a Ch. 13 bankruptcy. Recently a program in the Middle District of North Carolina has been enacted to aid Ch. 13 clients in modifying their home loans while in Ch. 13....
Should you consolidate debt or file for bankruptcy?
On behalf of Wootton & Wootton, P.C. | Oct 23, 2018 | Chapter 13, Chapter 13 Bankruptcy, Chapter 7, Chapter 7 Bankruptcy, Credit Card Debt Relief, Debt Relief, Personal Bankruptcy
If you are trying to navigate your way through overwhelming debt, you know how stressful it can be. You are not alone in this feeling; many Americans are dealing with debt. In 2017, the amount of debt in the U.S. climbed to a new high at $13 trillion. That amount was...
Many North Carolina residents may qualify for Chapter 13
On behalf of Wootton & Wootton, P.C. | Aug 17, 2017 | Chapter 13
Deciding to take a serious approach to handling personal debt is a major decision. North Carolina residents who are looking to take action may feel a well-deserved sense of accomplishment as choosing to take on such an endeavor can set parties on a path toward...
Preparing to file for Chapter 13 bankruptcy
On behalf of Wootton & Wootton, P.C. | Jun 9, 2017 | Chapter 13
For people from diverse backgrounds, there are times when bankruptcy becomes necessary. If you are considering bankruptcy, it is vital to closely review any of your choices and ensure that you have found the smartest direction forward. In Durham, and all other parts...
How cease harassment letters can put a stop to collection calls
On behalf of Wootton & Wootton, P.C. | Feb 16, 2017 | Chapter 13
Many people in Durham, North Carolina who find themselves struggling financially have experienced calls from creditors or debt collection agencies. Such bill collectors are required to adhere to certain federal requirements set forth in the Fair Debt Collection...
Will I be able to rent an apartment after my bankruptcy?
On behalf of Wootton & Wootton, P.C. | Oct 13, 2016 | Chapter 13
If you are looking for a new place to live in North Carolina after a bankruptcy, you may be worried that landlords will reject you because of your financial history. While the odds may not be entirely in your favor, here are some steps that you may wish to take to...
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