North Carolina Debt Relief Lawyers

Frequently Asked Questions

• Which debts are most likely to be settled for less than payment-in-full?
  Most unsecured debts can be settled. An unsecured debt is a debt where there is no collateral. Unsecured debts include medical bills, credit cards, department store cards, personal loans, … more
• What’s the difference between loan modification and debt settlement?
  Debt settlement typically involves working with a professional debt settlement company to negotiate with the creditors to whom you owe debts. Your creditor may, for example, accept a one-time … more

Legal Articles

• Dealing with Debt
  Dealing with finances is never easy, and for all too many Americans, debt problems have become a major issue in their lives. With the current economic crisis, rising unemployment rates, and steadily increasing costs of living, many people are experiencing the positive and negative effects of credit, debt, and the contracts that are created as a result of financial … more
• Debt Consolidation: Too Good to Be True?
  If you are overwhelmed with debt then debt consolidation might seem like a good idea and, in some cases, it is a good idea. However, in order to make sure that your money is protected and that you make an advantageous financial decision it is important to be aware of the potential problems created by some debt consolidation companies.   What is Debt Consolidation?   Simply put, … more

Legal Guides

• How To Avoid Foreclosure
  This guide, by the U.S. Department of Housing and Urban Development, provides valuable … more
• Debt Collection FAQs: A Guide for Consumers (FTC Facts for Consumers)
  The Federal Trade Commission (FTC), enforces the Fair Debt Collection Practices Act (FDCPA), … more
• Canceled Debts, Foreclosures, Repossessions, and Abandonments (IRS Publication 4681)
  This publication explains the federal tax treatment of canceled debts, foreclosures, … more

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