Few things in life are as stressful as money problems. Asking for financial advice feels nearly impossible. When things seem especially out of hand, it's hard to know if it's time to file for bankruptcy. I'm here to tell you that debt happens to good people and relief is possible. As your western North Carolina bankruptcy attorney, I'm prepared to get the collectors off your back and get you free from your financial burdens.
No matter how you ended up with unmanageable debt, a successful bankruptcy can give you a fresh start. As an experienced bankruptcy attorney, I can ensure that bankruptcy provides you freedom from foreclosure, repossession, and creditor lawsuits. Want to keep your car, home, retirement, even your fishing boat? The good news is that most people who file for bankruptcy relief keep the things they own.
The better news is that filing for bankruptcy gets the collectors off your back and puts you in the driver's seat. But which kind of bankruptcy is right for you? There are two main types of bankruptcy that people file - Chapter 7 & Chapter 13.
No matter how you ended up with unmanageable debt, a successful bankruptcy can give you a fresh start. As an experienced bankruptcy attorney, I can ensure that bankruptcy provides you freedom from foreclosure, repossession, and creditor lawsuits. Want to keep your car, home, retirement, even your fishing boat? The good news is that most people who file for bankruptcy relief keep the things they own.
The better news is that filing for bankruptcy gets the collectors off your back and puts you in the driver's seat. But which kind of bankruptcy is right for you? There are two main types of bankruptcy that people file - Chapter 7 & Chapter 13.
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A Chapter 7 bankruptcy offers a quick way to eliminate most debts and move on to a fresh start.
Chapter 7 bankruptcy will help you eliminate most debts, including credit card bills, medical bills, past due utilities, and even some back taxes.
Within a matter of months, these debts will be discharged and you will be on your way to rebuilding your financial life.
Typically, a Chapter 7 bankruptcy takes about three to four months from filing date until the bankruptcy court orders that you are no longer liable for your debts.
Chapter 7 bankruptcy will help you eliminate most debts, including credit card bills, medical bills, past due utilities, and even some back taxes.
Within a matter of months, these debts will be discharged and you will be on your way to rebuilding your financial life.
Typically, a Chapter 7 bankruptcy takes about three to four months from filing date until the bankruptcy court orders that you are no longer liable for your debts.
Are you behind on your house or car payments, but just need some time to catch up?
Are you overburdened with debt but you make too much to file a Chapter 7 bankruptcy?
Then a Chapter 13 bankruptcy may offer a path to debt relief.
A Chapter 13 bankruptcy plan is a way to catch up on past-due payments and reduce the amount of your unsecured debt.
Over the course of three to five years, you will pay back your unsecured debts based on what you can afford.
Plus, unlike a Chapter 7 bankruptcy, you can keep property that you would otherwise be unable to exempt.
Are you overburdened with debt but you make too much to file a Chapter 7 bankruptcy?
Then a Chapter 13 bankruptcy may offer a path to debt relief.
A Chapter 13 bankruptcy plan is a way to catch up on past-due payments and reduce the amount of your unsecured debt.
Over the course of three to five years, you will pay back your unsecured debts based on what you can afford.
Plus, unlike a Chapter 7 bankruptcy, you can keep property that you would otherwise be unable to exempt.
Recently I experienced a series of financial setbacks that put me into credit card debt that I could not handle with my social security check.
I needed to file bankruptcy and I located Todd Mosely in Waynesville North Carolina.
I did not know what to expect but he immediately put me at ease and explain to me in terms that I could understand what was involved in the bankruptcy process.
He guided me through step-by-step with absolutely no pressure.
I received my discharge order and I'm now debt-free and have had training in how to not put myself in that position again.
I needed to file bankruptcy and I located Todd Mosely in Waynesville North Carolina.
I did not know what to expect but he immediately put me at ease and explain to me in terms that I could understand what was involved in the bankruptcy process.
He guided me through step-by-step with absolutely no pressure.
I received my discharge order and I'm now debt-free and have had training in how to not put myself in that position again.
Bankruptcy Can Remove Liens on Household Goods If you took out a personal loan, did the lender ask you to write down a list of your personal belongings?
If so, you may have given the lender a lien against your personal property, turning what would otherwise be an unsecured personal loan into a secured one.
A lien is a claim against an asset that can be used to satisfy a debt.
What Happens to Your Vehicle in Chapter 13 Bankruptcy This big-picture guide will give you an in-depth look at how vehicles with loans are treated in a Chapter 13 bankruptcy.
If so, you may have given the lender a lien against your personal property, turning what would otherwise be an unsecured personal loan into a secured one.
A lien is a claim against an asset that can be used to satisfy a debt.
What Happens to Your Vehicle in Chapter 13 Bankruptcy This big-picture guide will give you an in-depth look at how vehicles with loans are treated in a Chapter 13 bankruptcy.
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