Chris Layton

Automatic Stay Violation

An automatic stay violation in bankruptcy often gives rise to a cause of action for the debtor. When you file bankruptcy, the automatic stay affords you protection from creditor attempts to collect on debts until the automatic stay ends. This…
Chris Layton

Student Loans In Bankruptcy

While student loans are generally not dischargeable in bankruptcy, the filing of a Chapter 13 bankruptcy can assist greatly in managing payments on student loans. For this reason, if you have a legitimate need for filing a Chapter 13 bankruptcy,…
Chris Layton

Median Income and Bankruptcy

Whether you qualify for a Chapter 7 bankruptcy is a function of median income as well as the Means Test.Let’s start by looking at median income. This is a standard used to determine if you automatically qualify for Chapter 7 bankruptcy.…
Chris Layton

Small Business Bankruptcy

Most small business owners have to take a risk to get started. You need equipment or money before you can make money. When the income is outweighed by the debt, you may find yourself facing a small business bankruptcy.Despite what you’ve…
Chris Layton

Multiple Bankruptcy Filings

Filing bankruptcy more than once is not anyone’s goal, but if you meet certain requirements you can successfully file a second bankruptcy. This article outlines some requirements for multiple bankruptcy filings.Timing LimitsKnow that…
Chris Layton

Wage Garnishment In North Carolina

In North Carolina, wage garnishment is strictly limited. The instances in which your wages can be garnished are primarily: federal student loan debt, alimony, child support, taxes, overpayment of unemployment benefits, and ambulance services.…
Chris Layton

Bankruptcy Fees In Charlotte, NC

Bankruptcy fees should be clear and easy to understand. If you're in or near Charlotte, NC and considering hiring a bankruptcy lawyer, there are many qualified attorneys who can assist. Regardless of which bankruptcy attorney you choose to represent…
Chris Layton

File Bankruptcy?! But I'd Feel Bad Doing That!

When it comes to deciding whether to file bankruptcy, my job is to help you put emotions to the side and focus on what’s truly important: your health and  your family’s health. Here are three great reasons to file bankruptcy.You Have…
Chris Layton

Healthcare Costs Affecting Charlotte Employees

If we know one thing about the Affordable Healthcare Act, it is that people disagree on it. This is an argument that happens at the political level. However, as a bankruptcy attorney in Charlotte, NC what is quickly becoming obvious is that…
Chris Layton

Judgment Liens In Bankruptcy

Judgment liens in bankruptcy have special treatment. Clients in bankruptcy have the reasonable goal of discharging both their debt and the judgment associated with it. In many cases, this can be accomplished.What Is A Judgment Lien?A…