What type of bankruptcy is right for me?
Chapter 7 and 13
There are many "chapters" of the U.S. Bankruptcy Code. The 2 chapters used by most of us to reduce the burden of debt and to put creditors under control are Chapters 7 and 13.
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Do I Qualify For Bankruptcy Protection?
The good news is that overall, most people we have seen qualify for one or both. The big categories of qualification are how long since a previous bankruptcy filing, how much debt someone has, and how much income someone has.
Do Your Credit Reports Have Errors?
Negative errors
For rebuilding credit I place a lot of emphasis on adding positives to your credit reports (new, “paid on time” entries). There are negatives on your reports too, but over time they have less and less effect on your score. This is assuming all of the negative items on your report are correct, or even yours. Yes, there is a very real possibility of mistakes.
How to stop a Foreclosure?
What you might see
How to stop an Eviction?
Some other terms Eviction are Summary Ejection or Summary Ejectment.
The Law Offices of John T. Orcutt Offers $0 Money Down Bankruptcy in Western North Carolina
In our initiatives to serve all residents of North Carolina better manage their financial struggles in these unprecedented times, the Law Offices of John T. Orcutt is now offering $0 money down bankruptcy filings for residents of North Carolinathroughout the entire state.
Western North Carolina Bankruptcy Lawyers
The Law Offices of John T. Orcutt Offers Virtual Services for Your North Carolina Bankruptcy Needs
The pandemic was not easy on many North Carolina residents. People in Mecklenburg, Gaston, Union, Buncombe, Catawba, and Henderson counties may be seeking options to get out of debt.
Avoid Foreclosure by Getting Help with a Mortgage Loan Modification in North Carolina
The Covid-19 pandemic and subsequent shutdown has hit U.S. businesses and homeowners hard, but even before the pandemic, many North Carolina homeowners were struggling with mortgage loans and facing foreclosure.
The Law offices of John T. Orcutt are here to help you with a mortgage loan modification that can reduce your interest rate and lower your monthly payments.
U.S. Houses passes HEROES Act including consumer protections
HEROES Act Passes
I would start with describing the HEROES Act as an opening bid in a negotiation with the Senate, where Republicans and most Democrats are substantially more cautious. It is worth noting that this summary does not include the pro-bankruptcy provisions, including the $100,000 homestead minimum regardless of state law, the more general allowance of 84 months plans (but with a discharge still at 36 or 60 months), etc.
A Message From Attorney Ed Boltz
What $0 Money Down Bankruptcy Can Do For You!
With so many of us Americans in trouble, the need for debt relief is NOW!
THE MAGIC NUMBER THAT GETS RID OF YOUR DEBT!
Question:
How to I get rid of this debt?
Answer:
Get the help you need before there's no help to get!!!
WE ARE OPEN AND A PHONE CALL AWAY!
Got debt?
Need debt relief and need it NOW?
WE ARE OPEN FOR BUSINESS!!!!
Get the help you need before it's too late, before there is no help to get.
Truth is, the U.S. Federal bankruptcy laws provides the world's best debt relief.
The results can be amazing.
Engaging a Non-Profit to Solve the Chapter 13 Trustees PSLF Conundrum
By Ed Boltz, The Law Offices of John T. Orcutt, P.C. (Durham, NC) and Sarah Beth Withers, Inner Banks Legal Services (Washington, NC)
DISCLAIMER: This article is not meant to provide specific advice about the formation of a 501(c)(3) non-profit corporation or the tax or other consequences of such. At most, this is intended to encourage Chapter 13 trustees and their staff to investigate this option.
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