offices located across charlotte

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  • Obtaining a Copy of Your North Carolina State Tax Returns

    When you are preparing to file bankruptcy in Charlotte, NC, you will need to provide copies of your North Carolina State tax returns. You can request a copy of your State tax returns from the North Carolina Department of Revenue if you have lost or misplaced your State tax returns but you need to allow some time to get them. You will need to mail a written request to: NC Department of Revenue ...
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  • How Do I Pay My Chapter 13 Plan Payment in Charlotte?

    The best option to pay your plan payments is electronically through TFS. To pay online go to to . Click on “Sign Up Today”. If you pay through TFS it will take 5 business days before the payment will show up in the trustee's records so make sure that you pay your plan payment enough time in advance so it posts to the trustee's records in time each month. You can pay through ...
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  • What happens in a Chapter 7 Bankruptcy?

    When someone is thinking about filing Chapter 7 bankruptcy one of the first questions they usually ask is "what will happen during the bankruptcy?" When you file a Chapter 7 bankruptcy you must list all of your debts and all of your assets. You must also take a pre-filing credit counseling course. You can take the course either online or in person. I give my clients a link that can be used to take ...
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  • Will Bankruptcy Stop Foreclosure?

    In most cases, bankruptcy will stop foreclosure. When you file bankruptcy the Automatic Stay found in 11 USC § 362 goes into effect. The Automatic Stay prohibits your creditors from proceeding with any collection activities against you including foreclosure, repossession, garnishment, collection calls, and collection letters. So once your creditors receive notice of your bankruptcy then they must ...
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  • Can I Use My Credit Cards Before I File Bankruptcy?

    Once you have met with a bankruptcy attorney it is best stop using your credit cards. The goal of filing bankruptcy is to receive a discharge (an order eliminating your debt) so you can get the fresh start you deserve. However, some debts are excluded from discharge including debts obtained by "false pretenses, a false representation, or actual fraud, other than a statement respecting the debtor's ...
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  • Filing for Bankruptcy: What If I Don’t Have Any Assets?

    If you are struggling financially and are constantly being harassed by creditors over your overdue debts, you have likely considered filing for Chapter 7 bankruptcy as a means of relief. Chapter 7 bankruptcy is an invaluable legal tool which allows Americans to essentially push the restart button on their financial situation by liquidating certain assets to satisfy creditors, with any remaining ...
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  • Can I File My Own Bankruptcy?

    In the United States, people are given plenty of control over their own legal proceedings, including the option to represent themselves during personal injury claims, criminal defense trials, and even bankruptcy cases. For bankruptcy filing in particular, working with an attorney is entirely optional. But it is the same “entirely optional” as choosing to bring water for a hike into the desert; ...
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  • Pre-Filing Credit Counseling Course for Bankruptcy

    You must take an approved pre-filing credit counseling course before you file bankruptcy . Your bankruptcy case will be dismissed (ended) by the court if you fail to take your pre-filing bankruptcy course and obtain your certificate at least one day before your bankruptcy case. It is also important to make sure that the pre-filing credit counseling course has been approved by the Bankruptcy ...
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