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Chapter 13 bankruptcy is one of the most useful tools that the law provides for individuals with debts they struggle to manage. Unlike Chapter 7 bankruptcy, Chapter 13 may not require sacrificing significant assets to discharge debt, instead allowing individuals with...
You've slipped behind on your mortgage payments and you have serious concerns about losing your home to foreclosure. As stressed out as you may be, don't give in and assume that you have no options. There are several ways to save your house from foreclosure, including...
North Carolina military veterans may find it difficult to make ends meet, especially if they are disabled and relying on military benefits to support themselves. Medical bills and personal bills can stack up, leading to creditor calls and demands for payment. As a...
According to a study from the Consumer Finance Protection Bureau, 55% of credit card balances have revolved for two years or longer. The study also found that 82% of outstanding balances have been allowed to revolve for at least a month or more. When a balance is...
One of the reasons people give for rejecting bankruptcy as an option for dealing with their debt is the impact it will have on their credit. Too many people mistakenly believe that they will never be able to get credit again after they file bankruptcy, but that isn't...
If you declare bankruptcy, it is crucial to learn how to budget in the future. If you use Chapter 13 bankruptcy and have a repayment plan, your budget is a critical part of determining how that plan should work and what you can afford. If you use Chapter 7 bankruptcy...
The profile of credit card debt is changing for many young people in North Carolina. Millennials were once known for their aversion to overdue bills, especially as many of them became adults and entered the workforce during the 2008 financial crisis. As a result, many...
Life has a way of getting ahead of us. Maybe you got into a car accident and couldn't work for several weeks. Perhaps an unexpected bill, like a busted furnace, threw a wrench in your budget. Regardless of how it happened, when you fall behind with your bills, it can...
Consumers throughout the country owe more than $1 trillion in credit card debt. While an increase in credit card debt may be good for the economy as a whole, it isn't necessarily a good thing on a personal level. However, there are ways that a North Carolina resident...
One of the primary reasons people give for choosing to postpone or avoid bankruptcy proceedings is concern about how bankruptcy will affect their credit score. While bankruptcy is a negative mark that stays on your credit report for some time, struggling with debt...
