Best Foreclosure Lawyers in Raleigh, NC

If you are facing a seizure of personal property by a bailiff or court officer, you will be able to stop the seizure by filing a bankruptcy case. As soon as a bankruptcy case is filed, the Bankruptcy Court issues an order which prohibits a judgment creditor from following through on a seizure.

A Chapter 13 is a better option when you have a mortgage that is behind in payments. A Chapter 13 allows you to consolidate the arrearage in mortgage payments and pay the amount back over an extended period of time. If you file for straight bankruptcy (Chapter 7) and want to keep your home, you must be current on the payments on the date of the filing of the Chapter 7. The same is true with an automobile. Chapter 13 is a better option when you have a car note that is behind in payments. A Chapter 13 allows you to stop the repossession of the automobile and pay the car note back over an extended period of time.

Under the new bankruptcy laws, all Debtors must complete a credit counseling course within 180 days before a case is filed with the Court. The credit counseling course can be taken on-line by computer or over the phone. On an average, it takes approximately 60-90 minutes. When a you come into our office, we will give you a packet with the names of the credit counseling agencies that are approved in North Carolina. Once the course is completed, a credit counseling certificate is faxed to our office and is eventually filed with the Court.

If you are facing a levy from the Internal Revenue Service or the State of North Carolina, you will be able to stop the levy by filing a bankruptcy case. As soon as a bankruptcy case is filed, the Bankruptcy Court issues an order which prohibits the government from continuing its levy. When a Chapter 13 case it filed, it provides you with an opportunity to compel the governmental unit to accept repayment of the debt and stops the levy previously entered.