If you have debt troubles, you probably have many questions. At The Cummings Law Firm, P.A., we've helped people through more than 7,000 bankruptcies. We can help you find debt relief, too. That means we know the process and have answered a lot of questions over the years. Here are some of the questions we hear again and again.
If you don't see your question here, call us in North Carolina at (704) 376-2853 for a free consultation with a bankruptcy lawyer and get the answers you need.
No. We will discuss with you what you wish to retain to help you achieve the goals you want.
Though you have to list all your assets and liabilities, we wouldn't recommend something against your goals of keeping your house and saving your car from repossession. We will tell you if you can't keep them. Then you can decide if you want include these in your filing. You will also decide if you want to file.
In most cases, these are not dischargeable.
Some taxes are not dischargeable. It depends on how long you've had the tax debt and what the basis is for the outstanding taxes. If you have a have a small business, we can also assist you in how to proceed with tax debt through Chapter 13.
In some cases, you may be able to, but this depends on your specific circumstances. If you didn't file the taxes on time, for example, you can't get rid of them.
In many cases, the answer is yes, but you need to be able to pay the ongoing mortgage payment. We may be able to help you set up a payment plan for the money you owe in back payments, like a car payment, for example. In many cases, we can hold up foreclosure to give you a chance to sell the house.
Hospital and medical bills can create overwhelming debt, but these may be discharged through Chapter 7 bankruptcy in many cases.
Contact The Cummings Law firm, P.A. to get your debt questions answered. We can help you file and move forward financially. Let's come up with a strategy together. Call us in Charlotte at (704) 376-2853. You can also email the firm to request your appointment for a free consultation with an experienced attorney.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Yes, you must list all of these items when filing for bankruptcy or else it is considered perjury.