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Charlotte Bankruptcy Attorney
Personal InjuryYou are allowed to protect certain exempt property from creditors under a Chapter 7 bankruptcy, which would include items such as clothing, necessary household furnishings, appliances, pensions, tools for a debtor's job, personal injury damages, and a car up to a certain value. Debtors may also retain a certain portion of equity on their home. Under the North Carolina homestead exemption, those who are filing for Chapter 7 bankruptcy can protect up to $35,000 from their primary residence.
Social Security DisabilityThe length of time you receive Social Security disability (SSD) benefits will depend on your particular circumstances. SSD benefits generally last until you return to having "substantial gainful... Continue reading "How Long Do Social Security Disability Benefits Last?" »
Spousal SupportIt is important to keep in mind, however, that not all debts can be discharged through a Chapter 7 bankruptcy. Some possible exceptions include alimony, student loans and fraudulent debts. Fortunately, this form of bankruptcy is often able to eliminate the majority of the filer's debts and provide relief.
Workers CompensationYes, you can get benefits from workers' compensation as well as Social Security Disability. Your SSD benefits will be reduced, but you can typically receive both. Our disability lawyers in Charlotte, NC can work hard to ensure that you obtain the maximum benefits possible.
BankruptcyAre creditors constantly calling, sending your letters or taking legal actions against you to collect your overdue debts? Under bankruptcy law § 362, there is a provision made to protect debtors... Continue reading "What is The Automatic Stay?" »
ForeclosureIf you are struggling financially and you are in over your head with debt, then know is the time to make informed decisions. Every type of bankruptcy is geared to meet eliminate certain debts, but overall most people would agree that there are more benefits to filing for Chapter 7. For people facing foreclosure, Chapter 13 is sometimes more preferable but in any other case there are more advantages for Chapter 7. If you are not sure which type of bankruptcy is right for you, please do not hesitate to contact a Charlotte bankruptcy attorney from our firm today. We have been assisting families with the bankruptcy process for more than 17 years and we can help lead you towards financial freedom. Our goal is to keep people informed of the many benefits of bankruptcy. Below we have listed the seven major benefits of filing Chapter 7.
Debt CollectionFor those who have fallen behind in debt and are being harassed by their collectors who are pursuing payments, Congress has stepped in to make changes that prevent this behavior. The Fair Debt Collection Practices Act (FDCPA) was passed in a direct response to the embarrassing and abusive techniques that debt collectors employed to obtain their payments. The act does not make debt collection illegal but instead regulates the manner in which they collect these debts. It seeks to protect those who are struggling paying back their creditors. If you feel that a creditor has violated the FDCPA as they sought payment from you, it is important to speak with one of our Charlotte bankruptcy attorney from the Law Office of Jack G. Lezman, P.A. at your earliest convenience.
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