It’s always wise to consider the timing of your filing for bankruptcy. However, if you’re being hounded by creditors and drowning in debt, the sooner you do it, the better you’ll likely feel. Those whose bankruptcy filing precedes or coincides with the holiday...
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Bankruptcy Help For Everyday People
Chapter 13
Keeping a home in bankruptcy
On Behalf of Wootton & Wootton, P.C. | Mar 8, 2021 | Blog, Chapter 13, Chapter 7
Bankruptcy is a legal procedure that absolves the debtor in Durham, NC, of certain unsecured debts. Debtors often wonder about the fate of their home in bankruptcy, which depends on the type of bankruptcy. It is possible for debtors to keep their home if they meet...
Making payments outside of a Chapter 13 repayment plan
On Behalf of Wootton & Wootton, P.C. | Sep 23, 2020 | Chapter 13
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...
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...
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