This blog and informational section of our website is meant to provide you with answers to commonly asked questions as well as our special announcements and other updates.
Like most of life’s big decisions, the thought of filing for bankruptcy can be scary, overwhelming, emotional, confusing or a combination of all of these. It can also ignite thoughts of hope and determination – for your family’s future, financial peace,and the lifting of an …
Essex Richards is excited to announce the launch of our Bankruptcy blog. The blog, written by bankruptcy attorney Heather Culp, will cover questions and issues that arise in filing for personal bankruptcy, as well as other debt-related legal matters. Topics will include the differences in …
Bankruptcy clients frequently have this question, and the quick and simple answer is NO: under penalty of perjury, all debts must be listed in a bankruptcy. From consulting with hundreds of clients filing for bankruptcy, we have found that folks ask this question for one …
Many people are intimidated by the legal system – at least the one portrayed in movies and T.V. legal dramas – speaking in front of a judge, being sworn in, appealing to a jury, facing your creditors. But in the case of bankruptcy, rest assured, …
Your marriage has been a model of relational accord since saying “I Do” a few decades ago, with one major exception: finances. Money – one of the most significant weights and causes for discord placed on most marriages. Jobs have been unsteady, hospital bills have …
If you’ve ever had to file bankruptcy, one of your overwhelming questions was likely, “will I ever have credit again?” I hear this question from almost every client, and why wouldn’t I? It’s a big one! The vast majority of our bankruptcy clients receive credit …
One of the first questions I typically get in bankruptcy consultations is, “what do I do with the debt?” As with most things, the answer is “it depends.” It depends on the type of debt and your personal situation, but in general, the below are …
Welcome to the first blog post from the bankruptcy group at Essex Richards. I often think about what my clients have been through before they make the decision to give me a call. They have likely been putting off calling for months, sometimes years, so …
By Heather Culp I have helped hundreds of people obtain bankruptcy discharges in my 20 years as an attorney. Here are the answers to the ten most commonly asked questions during my initial bankruptcy consultations: Does my spouse have to file for bankruptcy, too? NO. …
Originally Published by The Charlotte Business Journal on January 27, 2017. By Heather Culp The survival statistics for small businesses are discouraging. The Small Business Administration’s Office of Advocacy reports that for American small businesses (defined as fewer than 500 employees) that started anytime from 1994 …