How Does Bankruptcy Affect Tax Refunds?

Tax refunds are protected in bankruptcy by the bankruptcy exemptions available to all debtors. Your tax refund is an asset, and must be declared as an asset on your bankruptcy case filing. By applying the bankruptcy exemptions to the refund, you can keep the refund.

Bankruptcy Exemptions To Protect Tax Refunds

The Bankruptcy Code provides for debtors to retain property even when filing a bankruptcy. It is for this reason that you can typically keep your home in bankruptcy or keep your car in bankruptcy. The allowances which dictate how much value in an asset is protected in bankruptcy are called Exemptions. Tax refunds are a general asset, and as such, you can protect them by using N.C.G.S. Sec. 1C-1601(a)(2). This is commonly referred to as the “Wild Card” exemption. It allows you to protect up to $5,000 of any asset, including your tax refunds. The exemption applies to each debtor. For a married couple filing bankruptcy, you would have $10,000 available under the Wild Card exemption.

Refunds Received Before Filing Bankruptcy

If you receive your tax refund before you file bankruptcy, you may still need to protect it by using an exemption. It is perfectly fine to spend your tax refund before you file bankruptcy. You may decide to use it to pay for bankruptcy, pay for some home repairs, buy new car tires, or pay for normal living expenses. These expenditures are perfectly allowable in bankruptcy and will not negatively affect your bankruptcy filing. If you have funds remaining from your tax refund when you file bankruptcy, you will use the Wild Card exemption to protect those remaining funds.

Tax Refunds In Chapter 13

If you are filing a Chapter 13 bankruptcy, you will need to disclose your tax refunds each year that you are in the Chapter 13. If your tax refunds are the result of an earned income credit or child tax credit, they are exempt in bankruptcy and you can keep them. Generally, you can also keep the first $1,000 of a tax refund each year. If your tax refund exceeds $1,000, your Charlotte bankruptcy attorney will disclose the refund to the Chapter 13 trustee. This is a good time to also tell the trustee if you have household expenses which you have been putting off. You can propose to keep your tax refund to take care of those household expenses, provided they are not luxurious.

If you are considering filing bankruptcy, it’s important that you speak with a Charlotte bankruptcy attorney. The call is free and you will come away with a much better understanding of your options. You can reach us at 704.749.7747 or click to request a FREE CASE EVALUATION, and we will be in touch shortly.

Further Reading

If this article addressing “How Does Bankruptcy Affect Tax Refunds?” was helpful, you may find other helpful articles on our Bankruptcy Blog. Thank you for visiting the website—we hope it has been helpful.

What Does Bankruptcy Do To Your Credit Score?

Bankruptcy affects your credit score differently, depending upon what your credit score is just prior to filing. You can expect that your credit score will drop after filing bankruptcy, but it will also recover quickly if you take the right steps after bankruptcy to increase your credit score.

If your credit score is above 650 before filing bankruptcy, you can expect a significant drop in your credit score, according to Experian. However, you should remember that your purpose for filing bankruptcy is less related to your credit score and more related to being able to balance your budget. You can recover your credit score after the debt is gone.

If your credit score is below 650 before filing bankruptcy, you can expect your credit score to drop but not in a significant way. In fact, your credit score will bounce back within a year from filing the bankruptcy and go up from there.

Does Chapter 7 Affect My Credit Score Differently Than Chapter 13?

When it comes to your credit score, it does not matter what chapter of bankruptcy you file. Some clients feel better about filing a Chapter 13 than a Chapter 7 because in a Chapter 13 you are paying back some of your debt. We encourage clients to file the chapter of bankruptcy that makes most financial sense for them. We help you to make that decision, of course.

Improving Your Credit Score After Bankruptcy

Keep in mind that while filing bankruptcy lowers your credit score, you will also get a bump up in your score when your debt to income ratio changes. While filing bankruptcy doesn’t change your income, it does change your debt. As a result, your “debt to income” ratio changes in your favor. This is one of the key factors used to calculate your credit score.

Once your bankruptcy case closes, the key to improving your credit score is to make payments to creditors who will report your payments to the credit reporting agencies. Most commonly, mortgage payments and vehicle loan payments are a way to do this. If you do not own a home or car, you can take out a secured credit card at a local credit union. This is a quasi-credit arrangement where you give the credit union a small amount of money. Then, each month, you spend or borrow against that money by making purchases on the card. When the monthly statement comes, you pay it off. In exchange, the credit union will report your payments as positive payments to the credit agencies and it will help build your credit.

Speak With A Charlotte Bankruptcy Lawyer Today

If you are considering filing bankruptcy, it’s important that you speak with a Charlotte bankruptcy attorney. The call is free and you will come away with a much better understanding of your options. You can reach us at 704.749.7747 or click to request a FREE CASE EVALUATION, and we will be in touch shortly.

Further Reading

If this article regarding “What does bankruptcy do to your credit score?” was helpful, you may find other helpful articles on our Bankruptcy Blog. Thank you for visiting the website—we hope it has been helpful.


How Does Bankruptcy Work In NC?

The way bankruptcy works in NC is that you file either a Chapter 7, Chapter 11, or Chapter 13, and follow the rules provided by the bankruptcy code in order to obtain your Discharge in bankruptcy.

The Length Of Your Bankruptcy

Depending upon which chapter you choose, the length of your bankruptcy will differ. If you choose Chapter 7, you will have a 341 Meeting about 45 days after the filing of your bankruptcy. Your Charlotte bankruptcy attorney will attend the meeting with you, and you’ll answer questions from the trustee. Generally, creditors do not show up to this meeting.

About 60 days after your 341 meeting, provided there are no challenges to your bankruptcy, you will receive your Discharge. This means the court agrees that your bankruptcy filing is proper and your debts should be extinguished by way of your bankruptcy filing.

Sometime between the 341 meeting and the entry of your Discharge, your trustee will typically close your case as well. This means the trustee has reviewed the case and determined there are no assets to distribute to creditors. Once the trustee has closed your case, and the court has entered your Discharge, your Chapter 7 is complete.

Choosing Chapter 13 Bankruptcy

If you choose Chapter 13, the answer to the question “How does bankruptcy work in NC?” has a slightly different answer. Mainly, the difference is the length of your bankruptcy is much longer. However, there is good reason for this. Most people choose Chapter 13 to save a house or car if they are behind on payments. The Chapter 13 is typically 60 months long and allows you to get caught up on these payments while preventing your creditors from trying to take action against you. So long as you make your Chapter 13 payments, when you reach the final payment you will be caught up on the house and car, and you will also receive a Discharge for you unsecured debt (credit cards, medical bills, etc.).

Despite the length of a Chapter 13, provided you make your Chapter 13 payments on time, you should not have to attend court during your bankruptcy. If there is the need for a hearing, your attorney can often attend without you, which makes Chapter 13 quite convenient.

Choosing Chapter 11 Bankruptcy

A Chapter 11 bankruptcy is similar to a Chapter 13 bankruptcy; however, it is more suitable to corporations and small businesses that need to “reorganize” their debt. Whereas the trustee approves or recommends a Chapter 13 case for confirmation to move forward, your attorney must negotiate with each creditor in a Chapter 11. Despite this, the result is fairly similar—you enter into an agreement to pay back a percentage of your debt in exchange for protection of the bankruptcy court.

Speak With A Charlotte Bankruptcy Lawyer Today

If you are considering filing bankruptcy, it’s important that you speak with a Charlotte bankruptcy attorney. The call is free and you will come away with a much better understanding of your options. You can reach us at 704.749.7747 or click to request a FREE CASE EVALUATION, and we will be in touch shortly.

Further Reading

If this article was helpful, you may find other helpful articles on our Bankruptcy Blog. Thank you for visiting the website—we hope it has been helpful.

How Does Chapter 13 Work?

The way Chapter 13 works is the Debtor proposes a Chapter 13 Plan to the court. If approved, the Debtor will make monthly payments directly to the Chapter 13 Trustee’s office. The Chapter 13 plan can be used to address delinquent secured debt such as home mortgage or vehicle loans. It will also address your unsecured debt, such as credit card debt and medical bills.

Your “Ability To Pay” Is Key

A part of figuring out “How does Chapter 13 work” is understanding that Chapter 13 requires you to commit your disposable income to your Plan. This means you and your Charlotte bankruptcy attorney will work together to formulate your budget. You are allowed to account for all of your normal living expenses in doing so. The remaining amount becomes the better part of your Plan payment.

Your Chapter 13 Plan Has Components

If you have secured debt, that debt will typically be paid through your Plan. Additionally, you can use Chapter 13 to get ‘caught up’ on secured debt if you’re behind. An example would be making up missed mortgage payments or late car payments. In this case, your disposable income will be used first to catch up on secured debt, and the remainder will go to your unsecured creditors.

To determine an estimate of your Chapter 13 Plan payment, you should really speak with your Charlotte bankruptcy attorney. While it’s possible to file a Chapter 13 bankruptcy without an attorney, it’s typically a very complicated formula. Your bankruptcy attorney will help to assure that your plan is filed in accordance with the rules of Chapter 13. This increases the chance that your plan is recommended for Confirmation by the Chapter 13 Trustee.

Considering Chapter 7 Instead

The primary reasons to file Chapter 13 instead of Chapter 7 are:

Too Much Income

Too Many Assets

You Need To “Catch Up” On Mortgage Or Car Payments

You’ve Already Filed Chapter 7 In The Last 8 Years

Your bankruptcy attorney can help you decide if Chapter 7 or Chapter 13 is right for you. Both options provide you with a great solution to being overwhelmed by debt.

Speak With A Chapter 13 Bankruptcy Attorney Today

If you are considering filing bankruptcy, you should exercise your option to speak with a Charlotte bankruptcy attorney. The call is free and you will come away with a much better understanding of your options. You can reach us at 704.749.7747 or click to request a FREE CASE EVALUATION, and we will be in touch shortly.

Further Reading

If this article was helpful, you may find other helpful articles on our Bankruptcy Blog. Thank you for visiting the website—we hope it has been helpful. You’ll find articles about your Credit Score In Bankruptcy, Chapter 7, Bankruptcy And Car Loans, and How Creditors Are Notified About Your Bankruptcy.

Bankruptcy And Car Loans

This article will help address the concept of bankruptcy and car loans. One of the myths of bankruptcy is that you can’t keep a car when filing a Chapter 7 or Chapter 13. Another myth is that old car loans are not addressed by bankruptcy. There is good news regarding both of these situations.

Protecting The Equity In Your Car

When you file bankruptcy, the primary question you face regarding your car is related to equity. Equity is the difference between the fair market value of your car and the loan balance. If your car is worth $10,000 and you have a loan balance of $7,000, you have $3,000 in equity. Equity is an asset in bankruptcy and you must protect or “exempt” it by using the appropriate bankruptcy code exemption.

Generally, there are two exemptions you can apply to vehicle equity. First, there is a specific exemption under N.C.G.S. Sec. 1C-1601(a)(3). This allows for an exemption of $3,500 in equity in a vehicle. In the analysis above, claiming that exemption would protect your car. If you had additional equity above $3,500, you could also elect to use the Miscellaneous Property “Wild Card” exemption under N.C.G.S. Sec. 1C-1601(a)(2), which gives you another $5,000 to protect any property you like.

Keeping Your Car In Bankruptcy

If you want to keep your car in bankruptcy, after protecting any equity you have, you will then need to reaffirm your car loan. The general rule is if you want to keep the property, you need the keep the loan that comes with it. This is easy to do. When you file your bankruptcy, you simply elect to reaffirm the debt. Your vehicle lender will prepare a reaffirmation agreement at the same terms you currently have. You will sign and file this document as part of your bankruptcy process. As a result, your payments will resume and you can keep your car.

Surrendering Your Car In Bankruptcy

One upside to the analysis of bankruptcy and car loans is that you can also choose to surrender your car. You may choose to do this if you have negative equity or simply know the car needs repairs and you don’t want to keep it. By surrendering the property in bankruptcy, you are protected from your vehicle lender pursuing you for any loss they take on the sale of the vehicle.

Vehicle Repossessions In Bankruptcy

If you have prior vehicle repossessions, bankruptcy will address that lingering debt as well. If you’re filing bankruptcy and old car loans are still showing on your credit report, they will be discharged as part of the bankruptcy. This eliminates your exposure on these items.

Speak With A Charlotte Bankruptcy Attorney

If you are considering filing bankruptcy, it’s important that you speak with a Charlotte bankruptcy attorney. The call is free and you will come away with a much better understanding of your options. You can reach us at 704.749.7747 or click to request a FREE CASE EVALUATION, and we will be in touch shortly.

Should I File Bankruptcy?

We know this is a common question: “Should I file bankruptcy?” We know the idea of filing Chapter 7 or Chapter 13 bankruptcy can be daunting. The decision may bring up feelings of guilt or fear or even shame. Our very strong advice is to ignore those things and focus on you and your family. Bankruptcy is an extremely powerful form of relief which can dramatically change your life for the better.

Myths Surrounding Filing Bankruptcy

There are a few myths surrounding filing bankruptcy. It’s worth it to make sure you know the facts. Here are a few things that keep people from filing, when they deserve the relief of bankruptcy:

Nobody Else Files – This just isn’t true. In fact, statistics show us how many people have filed bankruptcy between 2006 and 2017. All types of individuals file bankruptcy, including lawyers, doctors and politicians. Like you, they are often a victim of bad circumstances. Bankruptcy represents a solution.

Everyone Will Know I File – This is not true. While the filing is technically public knowledge, it is a federal filing. We get calls from lawyers every week asking us to use our login to access a bankruptcy filing. This should tell you that it’s not that easy to find a list of people who have filed bankruptcy. Your neighbors won’t know.

My Employer Will Know – Generally, your employer is not made aware that you filed bankruptcy. If you have a job which requires you to be bonded for handling large sums of money, we make sure to discuss that with you; otherwise, we have yet to have a client report back to us that they have had problems with their employer. If you are ever in a position to discuss your bankruptcy, your response is an easy one: I did the best thing for myself and my family, and things are much better now.

My Credit Will Be Ruined If I File Bankruptcy – Not true. For most individuals, your credit will drop about 75 points when you file. About a year after filing, your credit score will be back to what it was right before you filed. From there, it should only go up. We provide all of our clients guidance regarding credit score repair as well.

I Won’t Be Able To Buy A Car – Not true. Within the first year after filing bankruptcy, you will receive offers for vehicle financing. Should I file bankruptcy if I could never buy a car again? Probably not. But you’ll find that’s just not true.

I’ll Never Have A Credit Card Again—Not true. You’ll receive plenty of credit card offers from the same banks whose debt went away in bankruptcy. Another reason why you shouldn’t lose sleep over banks not getting paid if you file bankruptcy.

Overcoming Feelings Of Guilt

We know guilt is a real feeling. If you listen to any motivational speakers, they would acknowledge guilt as an obstacle between you and your goal of financial freedom. Many motivational speakers tell you that in order to overcome an obstacle, you should focus on what happens if you DON’T take action. The fear of that will usually be enough of an incentive to help you overcome the obstacle. During conversations with our clients we focus on the client, their family, and the future. If bankruptcy is going to provide the refresh necessary to kick start a great future, we encourage the clients to ignore guilt.

Speak With A Bankruptcy Lawyer Today

If you’re considering filing bankruptcy, it helps to speak with someone. That’s why we’re here. Call us today at 704.749.7747 or click for a FREE CASE EVALUATION and we will reach out shortly. The future is bright—bankrutpcy could be a crucial step to making it a reality.

Emergency Bankruptcy Filing

If you need an emergency bankruptcy filing, we can help. Most emergency bankruptcy filings are for the purpose of stopping a foreclosure in North Carolina. Provided you file your bankruptcy within 10 days after the official sale of the property, the emergency bankruptcy filing will halt the foreclosure due to the very powerful Automatic Stay in bankruptcy, governed by the Bankruptcy Code at 11 U.S.C. Sec. 362.

What Happens Next?

We don’t need much information to file an emergency bankruptcy filing; however, the clock starts ticking on our duty to provide the remaining information required to complete your bankruptcy. Typically, the list of documents we need is:

  1. Drivers License and Social Security Card.
  2. Most current statements for each the following: vehicles, home mortgage.
  3. SIX months of bank statement from ALL bank accounts.
  4. Full copies of tax returns (Federal and State) for 2016 and 2017– both should have already been filed. If you are filing a Chapter 13 you MUST have filed the last 4 years of tax returns prior to having your bankruptcy case filed.
  5. Registration cards for all vehicles owned.
  6. Six months of pay stubs (matching the info entered through the online questionnaire).
  7. Declaration pages for all life insurance policies. These must show the type of policy, the amount of the policy, the beneficiary and the current value.
  8. Balance statements on all retirement (401k, IRA, etc) accounts, showing they are in fact retirement accounts and therefore entitled to be excluded from bankruptcy.

Delivery Of Bankruptcy Documents

Our office will work with you to retrieve this documentation from you as easily as possible. We accept (and prefer) PDF or electronic copies. We also have an online portal where you can upload the documents.

Emergency Chapter 13 Bankruptcy Filings

Most of the time in order to stop a foreclosure, you’ll file a Chapter 13 bankruptcy. We’ve written extensively about Chapter 13 filings on our blog. A Chapter 13 gives you the chance to continue to make your normal mortgage payment, and use the 5 year period to ‘catch up’ on the amount you’re behind. There are also numerous other benefits to a Chapter 13, depending on the type of debt you have. They include:

Lower interest rate on vehicle loans (Can I Keep My Car In Bankrutpcy?)

Lowering the balance on vehicle loans to the Fair Market Value of the vehicle

Paying pennies on the dollar to unsecured creditors

Painless voiding or exiting of contracts you do not wish to continue

Paying off taxes to the IRS or Department of Revenue (Taxes In Bankruptcy)

How Much Will My Chapter 13 Payment Be? (Chapter 13 payment factors)

Your Chapter 13 payment will be a function of how far behind you are on your mortgage, together with your ability to pay. Your ability to pay is based on your budget. Don’t worry, we work with you to present a budget to the court. Before you file, you’ll know your estimated Chapter 13 payment and should feel comfortable that you’ll be able to make the payment.

Speak With A Charlotte Bankruptcy Attorney Today

If you’re facing a foreclosure or even a wage garnishment, an emergency bankruptcy filing may be a great choice for you. Call us at 704.749.7747 to speak with an attorney today, or click for a FREE CASE EVALUATION and we will reach out shortly.

Charlotte Bankruptcy Attorney Reviews

Charlotte bankruptcy attorney reviews should be an important part of your decision to hire a bankruptcy lawyer. Often, reviews are less specific as to the results the bankruptcy attorney achieved, and more specific as to the experience the individual had with the law office. This will help you make a decision between two attorneys or law firms which you think would be good choices for you.

Can I Rely On Charlotte Bankruptcy Attorney Reviews?

Generally speaking, you should be able to rely on attorney reviews on Google. Google has a trustworthy process for making sure reviews are genuine, and not just “made up” by the company trying to sell itself. You may also want to check to see if the Charlotte bankruptcy attorney reviews on Facebook are similar to those on Google.

What If A Charlotte Bankruptcy Attorney Has A Bad Review?

Studies have shown that a law firm or business is actually more trustworthy if they have one or two bad reviews. In other words, you might be suspicious if the bankruptcy law firm had nothing but perfect reviews. It makes sense that after years of practicing bankruptcy, a law firm might have a few bad reviews from unhappy clients—unfortunately it’s just a part of life for any business trying to serve the public.

Attorney Comments On Reviews

One thing you might look for in a bad review is whether the company or lawyer responded to the poor review. If they did respond, was their response one of regret that the person had a bad experience? Did the business blame the individual for the poor experience or outcome? The company’s response is a good way to judge how the company interacts with its clients or patrons.

Speak With A Charlotte Bankruptcy Attorney Today

Once you’ve read a law firm’s website to see if their material is relevant, and checked out their reviews, we recommend you call the firm. You should be able to speak with the bankruptcy attorney on the phone—not just a staff person. If the attorney is not available, you should expect a call back within 24 hours unless there are circumstances preventing it. If it takes a bankruptcy lawyer three days to return your call, you might predict that it will be tough to get your calls returned and your concerns addressed if you choose to work with that bankruptcy lawyer.

Request A Consultation

If you’d like to speak with a Charlotte bankruptcy attorney, give us a call. Part of our job is answering questions. We are happy to analyze your bankruptcy case, whether you end up filing with us or with another firm. What’s most important is that you find the right attorney for YOU. If we can help, we would love to. If we think another Charlotte bankruptcy attorney is a better fit, we can certainly recommend a few to you. You can reach us at 704.749.7747 or click for a FREE CASE EVALUATION and we will be in touch shortly.

Filing Bankruptcy Without Your Spouse

Considering filing bankruptcy without your spouse? You should discuss your situation with a bankruptcy lawyer before doing so. This article is meant to answer questions and concerns if you’re considering filing bankruptcy without your spouse.

What Debts Are Included If I File Bankruptcy Without My Spouse?

If you file bankruptcy without your spouse, any debt in your name will be included in the bankruptcy. This includes joint debt that you may have with your spouse. There are a few things to keep in mind, though. First, if you and your spouse have joint debt, you are both responsible for 100% of the debt. Second, a bankruptcy filing will only address your obligation under the debt. Lastly, while the Automatic Stay in bankruptcy may delay creditors from pursuing your spouse as a joint debtor, they eventually will pursue her for the debt. Furthermore, your discharge in bankruptcy will discharge your obligation under the debt, but leave hers intact.

Jointly Owned Vehicles In Bankruptcy

If you have a vehicle which is titled in both your name and your spouse’s name, filing bankruptcy without your spouse is still ok. When you file the bankruptcy, you will declare your 50% ownership of the vehicle. You will also need to use N.C.G.S. Sec. 1C-1601(a)(3) to exempt your portion of equity in any vehicle you own all or part of.

Primary Residence In Bankruptcy

If you and your spouse own your primary residence together and you’re filing bankruptcy without your spouse, you can claim a 100% exemption as Tenancy By The Entirety under 11 USC Sec. 522(b)(3)(B). Keep in mind that you must have created a tenancy by the entirety upon purchase of the real property. Your bankruptcy attorney will want to see a copy of your deed to confirm this. Lastly, this exemption protects your equity in the home against creditors in your name only. If you have joint debt, those joint creditors may be able to access the equity in your home to the extent it exceeds your allowable Homestead Exemption under N.C.G.S. Sec. 1C-1601(a)(1).

The Means Test When You File Bankruptcy Without Your Spouse

If you’re filing bankruptcy without your spouse, the Means Test calculations will differ slightly. First, your attorney should prepare a bankrutpcy petition considering your entire household income. When the petition is prepared this way, you can also deduct your entire household expenses. To the extent your spouse has income she does not contribute to the household, those funds can be subtracted out as a Marital Adjustment in the Means Test calculations—this may help you pass the Means Test in a Chapter 7 filing.

Speak With A Bankruptcy Attorney Today

If you’d like to speak with a bankruptcy attorney about filing bankruptcy without your spouse, we’re here to help. The call is free. You can reach us at 704.749.7747 or click for a FREE CASE EVALUATION and we will be in touch shortly.

Does Debt Settlement Affect My Credit Score?

Yes, you can expect that a debt settlement will negatively affect your credit score. Most reliable sources such as, and indicate that if your credit score is 700 or higher, you should expect roughly a 150 point decrease in your credit score by settling a debt. If your credit score is 650 or lower, you should still expect your credit score to go down, but not as dramatically.

How Do Creditors Report Debt Settlement?

Creditors report debt settlement to credit bureaus or credit agencies. As a result, the settled debt will show on your credit report as Settled or Paid Settled. FICO released hypothetical scenarios addressing situations where individuals with different credit scores settled their debt. They are below

Scenario #1: 680 Credit Score

If you have a credit score of 680, you will lose roughly 45-60 points on your credit score by entering into a debt settlement. This assumes you have roughly 40-50% credit utilization, eight years of credit history, and no accounts in collections. These assumptions are simply meant to simulate an “average situation”.

Scenario #2: 780 Credit Score

If you have a credit score of 780, under the FICO hypothetical, you will lose roughly 140-160 points on your credit score by entering into debt settlement. Again, the assumption being you have similar credit history and activity as the person above with a 680 score.

Predicting How Debt Settlement Affects Your FICO Score

You can purchase your FICO score at and when you do, you can use the FICO simulator tool on their website; however, if you’re considering filing bankruptcy we recommend you focus on your financial health and less on your credit score. Your credit score will bounce back—in the meantime, bankruptcy or debt settlement can help you immediately restore financial peace in your life. Lastly, when you make a deposit with our firm to file bankruptcy, we purchase your credit reports for you.

Speak With A Debt Settlement Attorney Today

If you’d like to discuss debt settlement, you can reach us at 704.749.7747. The consultation is free and we can also answer any bankruptcy related questions you might have. Making a phone call is the next step you can take toward financial freedom. We’re here to help. You can also request a FREE CASE EVALUATION and we will reach out to you.