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The period between deciding and actually filing for Raleigh bankruptcy is when most debtors are vulnerable to their creditors. During financial stress, it can be tempting to take all measures to alleviate the pressure. However, it is important that the debtor handles these financial issues carefully with a bankruptcy attorney to avoid major complications upon…
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Declaring bankruptcy in Raleigh affects mortgage in a myriad of ways. A mortgage is a legal agreement wherein a debtor surrenders the title of their property to a creditor to borrow money at interest. Like other types of loans, mortgages are subject to late charges and other fees. Homeowners who take out a mortgage are…
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Finding the right timing is critical when filing for divorce and bankruptcy. Depending on your situation, Chapter 7 bankruptcy lawyers in Raleigh, NC will be able to advise you whether it is best to file before or after starting divorce proceedings, and what this can mean for your finances. How Bankruptcy Affects Divorce Generally, bankruptcy…
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A credit score is a summary of your credit history. Combined with the credit report, lenders use this number to decide whether to approve housing loans, auto loans, and other types of loans. Your score can also affect your insurance rates and employment opportunities. The most common type of credit score is the FICO score,…
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Bankruptcy procedures are controlled by complex federal laws and regulations including bankruptcy exemptions. These are laws that allow debtors to protect certain properties from creditors. In Chapter 13 bankruptcy in Raleigh, exemptions help determine the amount the debtor must pay to his unsecured creditors through a 3-5 year repayment plan. Under this chapter, an exemption…
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