On behalf of Janvier Law Firm, PLLC | Nov 10, 2020 | Chapter 7 Bankruptcy
The Consumer Financial Protection Bureau (CFPB) has issued a new rule aimed at updating and clarifying the Fair Debt Collection Practices Act (FDCPA). After it takes effect, debt collectors in North Carolina and throughout the country will be allowed to contact...
On behalf of Janvier Law Firm, PLLC | Oct 29, 2020 | Chapter 7 Bankruptcy
For most business owners in North Carolina, filing for Chapter 7 bankruptcy might seem like the best option when they can’t get ahead of their business debts. However, many people don’t realize that they can file for Chapter 13 bankruptcy. While businesses...
On behalf of Janvier Law Firm, PLLC | Oct 15, 2020 | Chapter 7 Bankruptcy
When an individual in North Carolina files for bankruptcy, it can be extremely difficult to discharge their student loans. To get rid of their student loans, the individual must prove that they’ve suffered from “undue hardship” that makes it...
On behalf of Janvier Law Firm, PLLC | Oct 1, 2020 | Chapter 7 Bankruptcy
Residents of North Carolina may have heard that the stationary bike company Flywheel filed for bankruptcy after suffering from multiple losses and drawbacks in the past few years. In September 2018, competitor brand Peloton sued Flywheel for allegedly stealing the...
On behalf of Janvier Law Firm, PLLC | Sep 4, 2020 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
If you want to keep your North Carolina home or other property, you may want to consider filing for Chapter 13 bankruptcy. However, if you can’t keep up with the plan payments, you may want to convert a Chapter 13 to a Chapter 7 filing. Do you qualify for...
On behalf of Janvier Law Firm, PLLC | Aug 28, 2020 | Chapter 7 Bankruptcy
For individuals who are facing financial hardships in North Carolina or across the U.S., a bankruptcy means test can determine whether they can obtain debt forgiveness through filing for Chapter 7 bankruptcy. By evaluating an individual’s income, expenses, and...
On behalf of Janvier Law Firm, PLLC | Aug 3, 2020 | Chapter 7 Bankruptcy
If a creditor obtains a judgment against you, there is a chance that your wages may be garnished. There is also a chance that you will be required to pay fees and interest on top of the principal balance owed. However, there are steps that you can take that may...
On behalf of Janvier Law Firm, PLLC | Jul 15, 2020 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Filing for bankruptcy in North Carolina is a common solution for individuals who cannot pay their debts. But after filing for bankruptcy, many people are left wondering whether they will be able to qualify for a mortgage. There are two main types of bankruptcy that an...
On behalf of Janvier Law Firm, PLLC | Jul 8, 2020 | Chapter 7 Bankruptcy
One of the most common reasons people in North Carolina face financial challenges is through medical debt. Illness, injury or a condition might make it necessary to get extensive medical treatment. This often happens without warning and may result in exorbitant bills....
On behalf of Janvier Law Firm, PLLC | Apr 28, 2020 | Chapter 7 Bankruptcy
North Carolina residents who are struggling to pay off credit card balances and other bills may have heard of the “debt-snowball” approach made popular by the finance guru David Ramsey. Following a snowball plan involves applying all available funds to the card or...
