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Bankruptcy Help For Everyday People

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Bankruptcy & Estate Planning Help For Everyday People

chapter 7 Archives

Will my wage garnishment stop if I file for bankruptcy?

When money is tight in North Carolina, it can be difficult if you are forced to live paycheck to paycheck. If someone is garnishing your wages and deducting money from your hard-earned paycheck, it can be even harder. Dealing with a lot debt and financial stressors such as wage garnishments are what lead many people on the path to filing for bankruptcy. However, the purpose of bankruptcy is to provide you with some relief and that includes ceasing the garnishment of your wages.

Can my bankruptcy prevent me from getting hired?

If you have a North Carolina bankruptcy on your financial record, being employed is likely a very important issue to you. If you are searching for a new job, you may be concerned that you could be denied the position if the employer becomes aware of your bankruptcy. If you look to the courts for an answer on this important issue, you will likely find some conflicting information, according to The Huffington Post.

Certain factors may up a person’s risk of going bankrupt

Many people who end up filing for bankruptcy in North Carolina may ask themselves how exactly they ended up in that position. It turns out that there are certain factors that increase a person’s chances of becoming insolvent. Knowing the warning signs may help some people prevent themselves from ending up in that situation.

Will filing for bankruptcy destroy my credit score?

One common belief about filing for bankruptcy is that your credit score will tumble and never recover. It is easy to see how you could think that, given that if you are considering filing for bankruptcy in North Carolina, your credit score is likely already low to begin with. At Wootton & Wootton, P.C., we understand how important your credit score is to you. While bankruptcy may temporarily bring down your score, many people find that the damage is not permanent.

Rebuilding your credit after bankruptcy

Once the process is over and the bankruptcy has been discharged, many people are left wondering what happens next. At Wootton & Wootton, P.C., we understand that getting back on your feet financially can be overwhelming. However, according to AOL Daily Finance, there are a few key steps that can be taken to restore your credit and move forward with confidence.

Creditor harassment and debt collection

Sometimes people fall behind on their bills. Regardless of the reason or circumstances surrounding it, receiving a communication from a debt collector can produce feelings of dread for many people. While collection agencies are allowed to contact consumers regarding their debt, both the federal Fair Debt Collection Practices Act and the North Carolina Fair Debt Collection Practices Act prohibit them from engaging in certain abusive behaviors.

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