Articles & Resources

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Debts You Cannot Discharge When Filing for Consumer Bankruptcy

According to the Administrative Office of the U.S. Courts, bankruptcy filings increased by almost 17% from 2022 to 2023. Nearly 388,000 bankruptcies were filed in 2022, compared to about 453,000 in 2023. Around 434,000 of these bankruptcy filings were connected to consumer debt. Is filing for consumer bankruptcy in your future? If so, make sure you know…

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Qualifications for a Domestic Violence Protection Order in North Carolina

Filing for a Domestic Violence Protection Order in North Carolina offers legal protection against an abuser. Many victims of domestic violence assume they won’t qualify for a protective order or that the process will be arduous. In reality, these court orders are relatively straightforward and can provide immense peace of mind.  Basic Qualifications for a…

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What Are the Most Common Reasons Individuals File for Bankruptcy?

Many people know that filing for bankruptcy can impact their lives for years. However, it is often the best way out of a bad financial situation. But why do most people declare bankruptcy in the first place? This post covers eight common reasons individuals file for bankruptcy.  1. Loss of Income Whether purchasing a car,…

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What Is a Typical Timeline for a Chapter 13 Bankruptcy

A recent statistic published by the United States Courts shows that of the more than 413,000 bankruptcy filings nationwide that year, more than 120,000 were Chapter 13 ones. This is less than half the amount (which was more than 288,000) filed for Chapter 7 bankruptcy that year. Chapter 13 bankruptcy is, thus, the second-most popular…

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Can You or Your Business File for Bankruptcy More Than Once?

You or your North Carolina company have fallen on financial hard times. It’s not the first time that you’ve been in a similar predicament. You’ve actually filed for bankruptcy before. You’re now facing a situation where you’re considering seeking debt relief once again. However, since you’ve filed before, you’re wondering, “Can you or your business…

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bankruptcy paperwork

Understanding the Differences Between the Different Bankruptcy Chapters

Individuals and businesses who are facing hard financial times often consider bankruptcy when looking for debt relief. While Chapters 7, 11,  and 13 may resonate with you as different bankruptcy chapters you’ve heard of, many individuals aren’t clear as to the differences between these cases. Even fewer realize that there are far more types of…

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couple discussing divorce

What Happens If My Spouse Files Bankruptcy While We Are Getting Divorced?

You and your husband or wife have decided to end your marriage. You’ve been separated for some time and have been trying to broker an out-of-court settlement in your case instead of a family court judge making those decisions for you. However, now you’ve gotten wind of the fact that your ex is taking debt…

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couple buying house not married

How To Protect Your Assets If You Aren’t Married to Your Partner

Research conducted by the Pew Research Center in 2019 showed that at least 59% of American adults aged 18 to 44 had resided with a romantic interest at some point in their lives. Their other research showed that cohabitation without any plans to marry was becoming increasingly more accepted, especially among younger generations. For example,…

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What Creditors You Should Pay if You Get a Tax Refund

It’s that time of the year when most of us are sitting down to file our taxes. If you’ve already done so, it may just be a matter of time before you receive your tax refund direct deposit or check in the mail.  If you are like many Americans who feel like you’re walking a…

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How Unmarried Dads Gain Visitation and Custody Rights in NC: Establishing Paternity Is Key

You found out that a pregnant mother is allegedly expecting your child or that a baby that was recently born apparently belongs to you. Or perhaps you just learned “through the grapevine” that a child born to a former female partner is yours. Now that you’ve heard this information, you want to sort out whether…

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