Articles Tagged with Chapter 13

Bankruptcy attorney Ben Tobey answering the question: Will a bankruptcy filing stop a foreclosure?

For many Americans in today’s society, the process of making investments and building wealth is a smooth one. However, for countless others, unforeseen obstacles and life events lead one’s level of wealth to deteriorate. When an individual’s debts begin to substantially outweigh their assets, many begin to seriously consider filing for bankruptcy.

Bankruptcy attorney Ben Tobey answering the question: When is it better to file bankruptcy instead of working with my creditors to settle my debts?

Throughout recent history, the American perception around filing for bankruptcy is changing.  While the decision to file for Chapter 7 or 13 bankruptcy is not one that should be taken lightly, the general stigma surrounding the decision is not as prevalent as it once was, and many Americans today understand that bankruptcy can be a strategic way to reorganize debt and give citizens a fresh start on their financial journey.

Bankruptcy attorney Ben Tobey answering the question: Can i transfer nonexempt property out of my name before filing bankruptcy to protect it?

Whether we like to admit it or not, we Americans live in a capitalist society. Our culture values wealth and property accumulation, and our nation’s financial sector has created multiple different tools and avenues to help citizens build wealth. While debt instruments such as credit cards and loans exist to help us grow our finances, if we are not responsible or fall victim to circumstances we may end up looking for an experienced bankruptcy attorney.

Bankruptcy Lawyer Bryan W. Stone answers the question: “How do I find a bankruptcy attorney in Charlotte?”

If you are considering filing bankruptcy because you cannot pay off your debts, you need to speak with an experienced lawyer to obtain as much information as you can.

Bankruptcy Lawyer Bryan W. Stone answers the question: “What are my alternatives to bankruptcy?”

If you are deeply in debt and considering a bankruptcy filing, you may be worried about the cost of filing for bankruptcy. While bankruptcy may help you get relief from your debt, you need to make sure that you can afford the filing fees and court costs.

Bankruptcy Lawyer Bryan W. Stone answers the question: “Should I file bankruptcy?”

Filing for bankruptcy is one of the toughest financial decisions a person has to make in their life. However, in some cases, people need to file for bankruptcy not just once but multiple times.

Bankruptcy attorney Ben Tobey answering the question: What happens with lawsuits that are pending against me when I file bankruptcy?

If all those debt collector threats led to a lawsuit, you need to act quickly. If you are being sued by a debt collector, you have no time to waste. In North Carolina, a creditor only needs to prove that the debtor owes the debt in order to obtain a judgment.

Bankruptcy Lawyer Bryan W. Stone answers the question: “What is a bankruptcy discharge ?”

In March 2020, President Donald Trump signed into law the historic CARES Act in response to the COVID-19 pandemic. CARES stands for the Coronavirus Aid, Relief, and Economic Security. The Act covers unemployment and provides relief to American workers and small businesses impacted by the pandemic and government-ordered shutdowns.

Bankruptcy Lawyer Bryan W. Stone answers the question: “What is a bankruptcy discharge?”

During these unprecedented times, we decided to address some of our clients’ most frequently asked questions regarding the COVID-19 pandemic’s impact on bankruptcy cases.

Bankruptcy Lawyer Bryan W. Stone answers the question: “Does my spouse have to file bankruptcy if I do?”

A 2019 study found that divorce or separation is some of the most common reasons for filing for bankruptcy in the United States. Other reasons that drive hundreds of thousands of Americans into bankruptcy each year include unaffordable mortgages or foreclosures, spending beyond one’s means, providing financial help to friends or family members, and student loans.

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