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Chapter 13 Calculation

How Is A Chapter 13 Plan Calculation Performed?

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How Is A Chapter 13 Plan Calculation Performed? A Chapter 13 plan calculation is based on two premises: your budget (ability to pay), and your mandatory repayments. The Chapter 13 Budget One premise behind Chapter 13 is that you must pay…
Can I file bankruptcy without my spouse

Can I File Bankruptcy Without My Spouse?

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Can I File Bankruptcy Without My Spouse? Yes, you can file bankruptcy without your spouse. When deciding whether to file bankruptcy with or without your spouse, there are a few factors to consider. We’re here to help you sort through the…
Filing bankruptcy with a pending lawsuit

Filing Bankruptcy With A Pending Lawsuit

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Filing Bankruptcy With A Pending Lawsuit If you file bankruptcy with a pending lawsuit, the legal action against you will come to a halt pursuant to the Automatic Stay in bankruptcy. This means the creditor attempting to turn your debt into…
Loan consolidation or Chapter 7

Is Bankruptcy Public Knowledge?

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Is Bankruptcy Public Knowledge? Yes, your bankruptcy filing is public knowledge. However, the chance of someone finding out you filed bankruptcy is not as good as you might think. In fact, other law firms routinely call our office to ask us…
How Does Bankruptcy Affect Tax Refunds

How Does Bankruptcy Affect Tax Refunds?

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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…
business bankruptcy

How Does Chapter 13 Work?

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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…
emergency bankruptcy filing

Emergency Bankruptcy Filing

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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…
charlotte bankruptcy attorney reviews

Charlotte Bankruptcy Attorney Reviews

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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…
student loans in bankruptcy

Does Bankruptcy Cover Student Loans?

No, bankruptcy does not cover student loans. Well, at least bankruptcy does not "get rid of" student loans. This is the starting point in the discussion regarding educational loans and bankruptcy. While student or educational loans are not discharged…
How Does Bankruptcy Affect Tax Refunds

Does Debt Settlement Affect My Credit Score?

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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 Experian.com, and Creditkarma.com indicate that if your credit score is 700 or higher,…