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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
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?
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?
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?
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?
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…
My Ch. 13 Bankruptcy Case Was Dismissed — Can I Refile?
If your Chapter 13 bankruptcy case was dismissed, you could be able to refile. Your chances of success may be impacted with the help of an attorney. Whether your case was dismissed because you did not make timely payments or…
How Bankruptcy Affects Your Financial Future
The decision to declare bankruptcy is a difficult one. But it is often necessary for those facing overwhelming debt, giving them a chance at a fresh financial start. Bankruptcy can have consequences that affect your finances. For more information about…
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?…
Crises Are Not Limited to Global Pandemics
Crises are not limited to a global pandemic. People experience various levels of crisis all the time, but sometimes those crises hit close to home and become too much to handle alone. If you have a medical emergency, you would…
