Author: plum

The sheriff just served me with a “Notice of Right to Have Exemptions Designated,” what do I do now?

Jun 23 2013 by William Berggren    North Carolina law sets forth certain “exemptions” that you, the judgment debtor, are entitled to.  Exemptions allow you to keep or exempt certain property notwithstanding the judgment.  Most of these exemptions are set forth in N.C.G.S. 1C-1601.  The judgment creditor is required to serve you notice of your rights to

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Which Creditors Need to Be Listed in Your Bankruptcy Schedules?

Oct 02 2013 by William Berggren    Short Answer: All creditors must be listed (no exceptions).    People or businesses file bankruptcy, you don’t file against this debt and not against that debt. Therefore, ALL creditors must be listed in your bankruptcy filing; whether they are dischargeable or not; whether the amounts owed are fixed or not; whether you agree

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Bankruptcy And Your Credit Report

Feb 16 2014 by William Berggren    The purpose of this post is to provide answers to many of the most common credit reporting questions relating to bankruptcy, including (1) how bankruptcy is reported; (2) how bankruptcy or defaulted accounts affect authorized users and co-signers; (3) how accounts, including foreclosures and repossessions are reported after bankruptcy; and

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