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Blog Posts in 2017

  • 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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