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Child SupportCertain types of debts are not discharged in a Chapter 13 case. Certain state and federal taxes, child support, alimony, criminal fines, court-ordered restitution, student loans that are not paid in full in the Chapter 13 Plan and certain long-term secured debt obligations.
Spousal SupportHowever, certain types of debts are not discharged in a Chapter 7 case. These include alimony child support, equitable distribution, certain taxes, student loans and criminal fines.
BankruptcyDavid R. Badger, P.A. has over forty years worth of combined experience in bankruptcy law and business bankruptcy matters. Our firm also specializes in litigation and workout cases. Our attorneys are aggressive but offer a realistic approach with the goal that, your financial recovery begins with a fresh start.
ForeclosureA Chapter 13 is often called a "wage-earners" plan as regular income is generally necessary to have a Chapter 13 Plan confirmed. Debtors often choose to file a Chapter 13 case as a tool to stop the foreclosure of real estate or repossession of vehicles while paying any mortgage arrearages or vehicle(s) in the Plan.
Real Estate TransactionsIn North Carolina, a real estate transaction consists of two main components, the promissory note and the mortgage, which is referred to as the deed of trust in North Carolina. The promissory note is the agreement between the mortgage lender and the home buyer that states that the buyer will repay the loan. The deed of trust insures the promissory note by securing the purchased home as the collateral. In North Carolina, the deed of trust is held by a third party called the trustee. Upon a default of the promissory note, the lender utilizes its foreclosure powers, which are outlined in the deed of trust, and moves forward with collection of the collateral. In addition to foreclosing on the home, the promissory note allows the mortgage lender to seek a deficiency judgment in order to cover any remaining balance that is owned on the home.
Disclaimer: YP recommends that you always check with the business for pricing and availability of products and services. Although YP believes this information to be correct when posted, it is always subject to change by the business, so YP cannot guarantee the current accuracy of any product, service, inventory or pricing information shown here. YP’s display of a products or services list for a business does not imply any affiliation with, endorsement of or sponsorship between YP and either the listed business or any of the products or services included on such list.
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