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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.
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.
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.
What you might see
Some other terms Eviction are Summary Ejection or Summary Ejectment.
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.
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.
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.
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.
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