Guaranteed.,S tart a Bankruptcy with ZERO Down.,P ayment Plans.,W e Help You Raise Your Credit Score. We are a small, mom-and-pop, boutique law firm based in Raleigh specializing in bankruptcy. We don't take everybody, but those we do take we treat like family. Most people's reactions to their own overwhelming debt are to go to bed, pull the covers over their heads, and not answer their phones.
This is Kerry. I am excited to announce that bankruptcy attorney Sheree has been awarded by North Carolina the title of "Board Certified Consumer Bankruptcy Specialist". It is determined by the respect of her peers and the depth of her bankruptcy knowledge. This high honor is only given to 3.9% of ALL bankruptcy attorneys!. We try to always provide the best service possible, and we guarantee the best service in the industry.
We want you to feel secure with Sheree as your attorney in your Chapter 7 bankruptcy or Chapter 13 bankruptcy. Sheree is a Board Certified Consumer Bankruptcy Specialist. We have an "A+" BBB rating.
This is Kerry. I am excited to announce that bankruptcy attorney Sheree has been awarded by North Carolina the title of "Board Certified Consumer Bankruptcy Specialist". It is determined by the respect of her peers and the depth of her bankruptcy knowledge. This high honor is only given to 3.9% of ALL bankruptcy attorneys!. We try to always provide the best service possible, and we guarantee the best service in the industry.
We want you to feel secure with Sheree as your attorney in your Chapter 7 bankruptcy or Chapter 13 bankruptcy. Sheree is a Board Certified Consumer Bankruptcy Specialist. We have an "A+" BBB rating.
Services
Sheree received a scholarship for the UNC Chapel Hill School of Law, where she received her Doctorate in Law.
She has helped people find relief from their debts as a Bankruptcy Lawyer for over 10 years, and carries an "A+" rating with the BBB under "Cameron Bankruptcy Law".
Her mother washed clothes and bedding at an elder care facility, and her father was unemployed while she was growing up.
Sheree is the "detail" part of family/team.
She handles ALL the legal aspects of our clients' situations personally.
She has helped people find relief from their debts as a Bankruptcy Lawyer for over 10 years, and carries an "A+" rating with the BBB under "Cameron Bankruptcy Law".
Her mother washed clothes and bedding at an elder care facility, and her father was unemployed while she was growing up.
Sheree is the "detail" part of family/team.
She handles ALL the legal aspects of our clients' situations personally.
If a car lot fails to sell the car or truck in a reasonable manner or if it fails to give you notice, you may not be liable for the deficiency (you may own nothing).
If the sale is not commercially reasonable, or if proper notice is not given, you may sue a bank for conversion (theft).
Auto sales and financing are full of consumer law violations including fraud and high-rate home-secured loans that strip equity from senior citizens.
In order to legally repossess (repo) a car or other property, a creditor cannot breach the peace.
If the sale is not commercially reasonable, or if proper notice is not given, you may sue a bank for conversion (theft).
Auto sales and financing are full of consumer law violations including fraud and high-rate home-secured loans that strip equity from senior citizens.
In order to legally repossess (repo) a car or other property, a creditor cannot breach the peace.
So, in Chapter 7, although your debt may be discharged, a secured lender will be able to get collateral back (rental property, real estate, house or home) IF you don't pay for it.
You will need to catch up on what you are behind IF you want to keep your rental property, real estate, house or home.
Chapter 7 only removes your personal liability for a debt: It normally can't remove a lien or mortgage unless it is a judicial lien from a lawsuit, and even then it requires extra work and cost.
Sometimes people file a Chapter 7 to get rid of unsecured debt first, and then file a Chapter 13 quickly enough to avoid foreclosure but to not have to pay any of the unsecured debts in their Chapter 13.
You will need to catch up on what you are behind IF you want to keep your rental property, real estate, house or home.
Chapter 7 only removes your personal liability for a debt: It normally can't remove a lien or mortgage unless it is a judicial lien from a lawsuit, and even then it requires extra work and cost.
Sometimes people file a Chapter 7 to get rid of unsecured debt first, and then file a Chapter 13 quickly enough to avoid foreclosure but to not have to pay any of the unsecured debts in their Chapter 13.
Can you stop wage garnishment?
Typically, the debts that can cause wage garnishment for employees in North Carolina-based businesses are tax debt, child support, and alimony.
If the business is entierly in NC, Only the government can garnish wages.
It gets a bit more complicated for businesses that have offices in other states.
A bankruptcy filing will stop all garnishment (with a few exceptions) ASAP!
A Chapter 7 bankruptcy can get rid of most, and a Chapter 13 can spread the payments that can't be discharged over a 3-5 years.
Typically, the debts that can cause wage garnishment for employees in North Carolina-based businesses are tax debt, child support, and alimony.
If the business is entierly in NC, Only the government can garnish wages.
It gets a bit more complicated for businesses that have offices in other states.
A bankruptcy filing will stop all garnishment (with a few exceptions) ASAP!
A Chapter 7 bankruptcy can get rid of most, and a Chapter 13 can spread the payments that can't be discharged over a 3-5 years.
Filing a Chapter 7 bankruptcy may erase your tax debt.
Income taxes can be discharged in Chapter 7 bankruptcy, but only if all of the tax code rules are met.
Must have been due at least three years before you file for bankruptcy.
If the 15th falls on a Saturday or Sunday, the return wasn't due until the following Monday.
The tax return must also have been filed at least two years before the bankruptcy.
Taxes other than income, such as payroll taxes, a 100% penalty, Trust Fund Recovery penalty, fraud penalties, or several other unusual types of taxes are by law excepted from bankruptcy discharge.
Income taxes can be discharged in Chapter 7 bankruptcy, but only if all of the tax code rules are met.
Must have been due at least three years before you file for bankruptcy.
If the 15th falls on a Saturday or Sunday, the return wasn't due until the following Monday.
The tax return must also have been filed at least two years before the bankruptcy.
Taxes other than income, such as payroll taxes, a 100% penalty, Trust Fund Recovery penalty, fraud penalties, or several other unusual types of taxes are by law excepted from bankruptcy discharge.
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