Credit
Dealing with Time-Barred Debt in North Carolina
Have you recently heard from a creditor or debt collector about an old debt from years ago that you had forgotten about? If so, you may have questions about what to do next. Do you have to pay the debt?...
How to Get a Personal Loan While in Chapter 13?
Whether you can get a loan during bankruptcy depends on your unique circumstances. Credit You Might Need During Bankruptcy When you file for bankruptcy, you don’t stop needing money to live day-to-day. There are many reasons why you might need...
How to Stop Repossession of Your Vehicle
If you took a loan to buy a vehicle and cannot make your monthly payments, your vehicle could be repossessed by the lender. A common time frame to be concerned about repossession would be 45-75 days delinquency. There are several...
Consumer Debt Gets Tough to Manage Around the Holidays
The winter holidays are a joyous time, but not if you are struggling with debt. From Black Friday and Cyber Monday to last-minute sales just before Christmas, industry experts expect the average American to spend almost $1,000 per person on...
How Do Chapter 7 and 13 Bankruptcy Affect My Credit?
It’s a question we hear often: How long does a Chapter 7 bankruptcy stay on a credit report? A Chapter 7 bankruptcy will remain on your credit report for 10 years, but the real impact of a bankruptcy on your credit...
What Should I Do About Creditors Calling After Bankruptcy?
One of the many benefits of filing for bankruptcy is that it can provide relief from the stress of debt. The pressure of worrying about losing your home, your car, and other property that means so much to you can...
How Bankruptcy Can Clear Credit Card Debt
The average family has $6.300 of credit card debt, according to the most recent Survey of Consumer Finances by the Federal Reserve. For some households, the amount of credit card debt is crushing. This leads many people to wonder, “Can...
Chapter 13 Bankruptcy and Building Credit
When you’re in Chapter 13 bankruptcy, it may feel like a purgatory that limits your financial options. You can, however, use this time and this tool to strategically improve your credit-worthiness. How Chapter 13 Bankruptcy Affects Your Credit Report The...
Stop Living Paycheck to Paycheck with These Tips from a Bankruptcy Lawyer in NC
Do you often feel trapped by the paycheck-to-paycheck cycle? Do you find yourself continuously counting down the days until your next direct deposit hits your bank account? You’re not alone. Living paycheck to paycheck is a reality for many Americans....
6 New Year's Resolutions for Dealing with Personal Debt
Getting a better handle on your household finances and the amount of debt you are shouldering is a great way to gain peace of mind and achieve financial stability in 2020 and beyond. These tips will help those looking to...
