How much time should linger between you and unsecured creditors before you file bankruptcy.

I agree with what everyone else has said. As a bankruptcy lawyer that deals with the judges and Trustee's in your district you probably won't run...

CREDIT COUNSELING CERTIFICATION FOR BANKRUPTCY CHAPTER 7

Everyone's answers above are correct - I just want to add one little caveat from a North Carolina specific point. We don't have the US Trustee's...

North Carolina Notice of right to have exemptions designated. When only one spouse is the debtor must the other spouse be listed

You do need to fill out the Notice of Right to Have Exemptions Designated (NORED) completely. They can come after property that is jointly held so...

Chapter 7 and vehicle NADA value

Depending upon the value of other property, your vehicles should be protected. In North Carolina you have a $3,500 motor vehicle per person who has...

Selected as the best answer

ARE NADA VALUES USED TO TAKE PROPERTY FROM chapter 7 filers? All these changes and this country is still in an economic disaster

Couple things: First, your "wildcard" exemption in North Carolina is up to $5,000 - not $500. If you are using only $500 then the extra $4,500...

ARE NADA VALUES USED TO TAKE PROPERTY FROM chapter 7 filers? All these changes and this country is still in an economic disaster

Couple things: First, your "wildcard" exemption in North Carolina is up to $5,000 - not $500. If you are using only $500 then the extra $4,500...

Want to know what happens to the debts under charter 13 if we can't make payments and want to place house in foreclosure

If you can't afford the Chapter 13 payments then I would contact your bankruptcy attorney. You may be able to approach the courts and they may be...

Is it necessary to inform creditors of bankruptcy filing.

I too agree with what the others have said. I would go ahead and tell them that you are planning on filing if you have not already filed and if you...

What are my options? Husband waiting for SS Disability,over 12months pastdue on mtg. All other bills ok. charging food,gas,meds.

I would contact a bankruptcy attorney ASAP so you can know your full rights. Depending on your situation you may have several different options....

Informing credits about filing bankruptcy

The other two answers are absolutely correct. I usually tell my clients to go ahead and tell their creditors' to ensure that they stop (or don't...