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Can I Be Discriminated Against For Filing Bankruptcy In The Employment Context?

Filing for bankruptcy can be a relief for those facing financial stress. However, many fear doing so will have negative reputational or professional repercussions. Some worry that an employer or potential employer will discriminate against them if they file. Understanding…
How Much Does It Cost to File for Bankruptcy?

If you’re considering filing for bankruptcy, you may have many questions. You might wonder, how much does it cost to file bankruptcy? Depending on the type of bankruptcy and the attorney you choose to handle your case, various costs are…
Is Chapter 13 Bankruptcy for Individuals or for Businesses?

Filing for bankruptcy can provide relief for individuals and businesses experiencing overwhelming financial challenges. However, only some types of bankruptcy are available to both, and the confusing naming convention can make it hard to know which ones could apply to…
Student Loan Payment Pause Ends This Fall

Since the start of the pandemic, the Department of Education (DoE) has paused student loan payments to give borrowers relief during an unprecedented time. However, after the Supreme Court struck down the Biden Administration’s attempts at large-scale student debt relief…
What to Do with a Default Judgment

When you can’t pay your debts in North Carolina, your creditors can take legal action against you to recover the money you owe. In many cases, your creditors may file a lawsuit against you. If a creditor obtains a judgment…
Can I Keep My Business While Filing for Bankruptcy?

As a business owner, your business is important to you. Many business owners don’t realize they may be able to continue operating their business while seeking bankruptcy relief. If you are a business owner struggling to pay your vendors and…
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?

“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?

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,…
Filing for Bankruptcy as a Small Business

When Should My 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…