A bankruptcy blog containing useful information for anyone considering a Charlotte bankruptcy attorney.

Chris Layton

Putting An End To Collections Calls

Clients considering a bankruptcy filing all want to know the same thing: how do I put a stop to collections calls? The answer is that filing bankruptcy will legally put a stop to all attempts at collecting, whether by phone or mail. In the meantime,…
Chris Layton

Charlotte Bankruptcy Fees

As a Charlotte bankruptcy attorney, I often discus fees with potential clients. I gladly give my potential clients my fee for a Charlotte bankruptcy, and encourage them to call other law firms to ask about fees. It matters a great deal to me…
Chris Layton

Estate Planning Package

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Caring for clients means assisting with existing problems and preventing future problems. Most of my bankruptcy clients do not have a Will or any other estate planning documents. While I do not recommend a Will or Estate Planning package for…
Chris Layton

Business Bankruptcy - Charlotte, NC

It's not uncommon for small business owners to find themselves in a position to file a business bankruptcy. My experience helping clients who are small business owners file a business bankruptcy, is that most of these individuals are able to…
Chris Layton

Alternatives To Bankruptcy

Yes, there are alternatives to bankruptcy. It would be convenient for bankruptcy attorneys to forget them, but the goal is to help an individual recover financially—whether through bankruptcy or an alternative to bankruptcy. Your Charlotte…
Chris Layton

Kodak Re-Invents Itself Through Bankruptcy

An article on ABCnews.com today announces that Kodak will re-invent itself through bankruptcy. If you're like me, you grew up knowing Kodak as a giant in all things photography. Times have obviously changed, and Kodak pursued bankruptcy. The…
Chris Layton

Unmarried Couples Filing Bankruptcy

While you are entitled to file bankruptcy as an individual, the Means Test takes into consideration unmarried couples filing bankruptcy. The Means Test is the guide used to determine whether you qualify for bankruptcy, and it incorporates the…
Chris Layton

Student Loans In Bankruptcy

The general rule is that student loans are not dischargeable in either a Chapter 7 or a Chapter 13 bankruptcy. Understandably, this is disappointing to most individuals considering filing a bankruptcy, because student loans often represent a…
Chris Layton

Chapter 13 Payments In A Charlotte Bankruptcy

When you file a Chapter 13 bankruptcy in Charlotte or anywhere in the Western District of North Carolina, you make regular payments to the bankruptcy trustee for the duration of your plan. While it may sound counter-intuitive to make payments…
Chris Layton

Charlotte, NC Mortgage Modification Failures

The Charlotte Observer posted this article today reporting that home loans serviced by Bank of America and Wells Fargo, which received more than $200 million in taxpayer funds for modification, have gone into default.It’s not just Bank…