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

Chris Layton

Reaffirming A Debt

Before a bankruptcy or during it, your creditors may encourage you to reaffirm your debt with them. When you reaffirm a debt, you are carving that debt out from the bankruptcy and re-obligating yourself with the creditor. The debt will survive…
Chris Layton

Charlotte Bankruptcy Attorney

When choosing a bankruptcy attorney in Charlotte, North Carolina, there are a few factors to consider. Your attorney should be available, educated, and concerned with putting your needs above all else. If you find a bankruptcy attorney who you…
Chris Layton

Eliminate Credit Card Debt

My Charlotte bankruptcy clients impress me every day with their desire to be responsible and to keep promises they have made. Usually, that includes a desire to pay credit card bills up to the day of filing for a Chapter 7 or Chapter 13 bankruptcy.…
Chris Layton

Secured Credit Cards

I get excited for bankruptcy clients who are eager to rebuild their credit after filing a Chapter 7 bankruptcy or a Chapter 13 bankruptcy, and so we are sure to discuss secured credit cards. After bankruptcy, clients want to avoid credit traps…
Chris Layton

Can I Keep ONE Credit Card?

Clients often ask "Can I keep one credit card?" We have been taught that credit cards are "good." That it is a wise choice to have one in case of an emergency. Or, even if you don’t plan to use it for emergencies, it’s a great way to build…
Chris Layton

Do I Make Too Much Money To File Bankruptcy?

Whether you qualify for bankruptcy certainly involves an examination of your income. Your income alone though, is not typically what determines whether you have the ability to file a Chapter 7 or a Chapter 13 bankruptcy. Instead of looking at…
Chris Layton
Chris Layton

Your Charlotte Bankruptcy Lawyer

Strategizing TogetherChoosing the right lawyer to assist you in filing a bankruptcy is important. Together with your Charlotte bankruptcy lawyer, you will examine your options and choose a path of recovery that will dramatically improve…
Chris Layton

What Happens at the 341 Meeting?

Do I have to go to the courthouse?Yes. You will typically have to go to the courthouse one time, for what is called a 341 meeting. This meeting takes place about 40 days after you file your Chapter 7 or Chapter 13 bankruptcy. If you file…
Chris Layton

When to file bankruptcy in Charlotte, NC

Much like any substantial undertaking, it may never feel like the right time to file a bankruptcy in Charlotte, NCI know that you already value the health and welfare of your family over avoiding any negatives you’ve imagined will flow from…