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What Is the Fair Credit Reporting Act (FCRA)?

Published August 14, 2023 by Sasser Law Firm
What Is the Fair Credit Reporting Act (FCRA)?

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies manage your credit information. The FCRA protects your credit data’s privacy, integrity, and validity. It is helpful to understand this law and what to…

What is Bare-Legal Title?

Published August 8, 2023 by Sasser Law Firm
What is Bare-Legal Title?

“Bare-legal title” is a somewhat imprecise term used to denote those instances when the legal record of ownership is separated from the equitable fact of ownership. This post is the first of several in which we will consider how those…

Are PPP Loans Eligible Dischargeable In Chapter 11 Bankruptcy?

Published July 11, 2023 by Sasser Law Firm
Are PPP Loans Eligible Dischargeable In Chapter 11 Bankruptcy?

In response to the economic challenges that arose during the COVID-19 pandemic, the U.S. government initiated the Paycheck Protection Program (PPP) in 2020. This program aimed to help small businesses stay afloat by providing low-interest, forgivable loans that covered payroll, rent,…

When Should A Small Business File For Bankruptcy?

Published July 7, 2023 by Sasser Law Firm
When Should A Small Business File For Bankruptcy?

Many small business owners may be uncertain about what to do when their business is struggling and at what point to file a small business bankruptcy. The right steps to take will depend on the specifics of the situation. But…

Debt Collection Laws in North Carolina

Published May 25, 2023 by Sasser Law Firm
Debt Collection Laws in North Carolina

Life is unpredictable. Unforeseen circumstances can lead anyone down a path of financial instability. From sudden job loss to unexpected medical expenses, debt can pile up before you even realize it’s happening. If you are struggling to keep up with…

Life Insurance Policies in Bankruptcy

Published May 11, 2023 by Sasser Law Firm
Life Insurance Policies in Bankruptcy

Filing for bankruptcy allows you to discharge debts while protecting certain assets. If you have life insurance, you may have questions about how bankruptcy affects the status of life insurance policies. North Carolina generally protects life insurance proceeds from creditors…

What Is the Difference Between an HOA Foreclosure and a Bank Foreclosure?

Published May 2, 2023 by Sasser Law Firm
What Is the Difference Between an HOA Foreclosure and a Bank Foreclosure?

When buying a home in a planned neighborhood or a condominium, you often must pay fees and assessments to a Homeowner’s Association (HOA) or Condominium Owner’s Association (COA). If you do not, the HOA or COA can place a lien…

Can a Loan Modification Stop Foreclosure?

Published March 13, 2023 by Sasser Law Firm
Can a Loan Modification Stop Foreclosure?

Financial hardships are bad enough without the fear of losing your home. If you have difficulty making monthly payments, you may wonder whether a loan modification could prevent foreclosure. Depending on your situation, a loan modification could be helpful in…

Should You File for Bankruptcy Before or After Filing Your Tax Return?

Published February 15, 2023 by Sasser Law Firm
Should You File for Bankruptcy Before or After Filing Your Tax Return?

Filing for bankruptcy can be a confusing process – as can filing your taxes. Combining the two can become even more complicated. Generally, but not always, it is better to complete your tax return before filing for bankruptcy. The team…

Can I Move to Another State After Filing for Bankruptcy in NC?

Published January 26, 2023 by Sasser Law Firm
Can I Move to Another State After Filing for Bankruptcy in NC?

For some people going through or considering bankruptcy, moving can seem like an opportunity for a fresh start. Other times, a move is necessary to secure a well-paying job. One of the questions we occasionally get asked is, “Can you…

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