- You have already filed for Bankruptcy before
- You are a new resident of North Carolina
- Someone is threatening to take your home – Not all creditors are entitled to take your house (who holds the Deed of Trust). Do not file a Chapter 7 if you are behind on mortgage payments and you want to save your home.
- Home is in foreclosure – A foreclosure sale does not become final until the expiration of the 10 day upset bid period. Filing a Chapter 13 before expiration may be option.
- Obtained or attempted to obtain a mortgage modification
- Have a forbearance agreement
- Someone else owns your home with you
- Someone has a judgment against you
- Served with court papers or someone filed a lawsuit against you in last 3 years
- You expect someone to sue you within the near future
- Someone is threatening to take your car
- Separated or about to be separated from your spouse
- Divorce
- Required to pay debts under a Separation Agreement or Divorce Decree
- Not filed Federal or State Tax Returns
- Owe Federal or State taxes
- Used a credit card to pay taxes within the last 3 years
- Expect to get a tax refund
- Receive money from an annuity or trust
- Transferred money or property into a trust
- Have possession of property that belongs to someone else
- Property titled in your name that belongs to someone else
- Someone else has possession of your property
- You sold or transferred property within the last 48 months (4 yrs)
- You made a large purchase within the last 90 days before filing for bankruptcy
- Took out a loan or cash advance within the last 70 days
- Paid a friend or relative more than $300 within the last 12 months for an actual debt
- Gave a friend or relative anything worth more than $300 within last 48 months (4 yrs)
- Gave a friend or relative a lien or mortgage within last 48 months
- Gave a loan company a list of your household goods allowing company to get a security interest in the goods
- Listed your vehicle as collateral for a personal loan
- Co-signed a loan or credit card for someone else
- Someone else co-signed a loan or credit card for you
- Someone else put up property as collateral so that you could get a loan
- Had a car accident within last 4 years that was your fault
- Have an injury claim against someone else (worker’s comp or personal injury)
- Owe court ordered restitution or fines
- You pawned something recently
- Have unpaid bad checks (criminal charges)
- Have a 401k, 403b or 457 plan
- Cashed in part of a 401k, 403b or 457 plan
- Failed to pay back a 401k, 403b or 457 plan within the last 12 months
- You expect a gift or an inheritance within the next 12 months
- You have a right to an inheritance because someone died
- You have a credit card issued to you by your employer
- Someone is claiming that you were involved in fraud, lying, theft, deception or embezzlement
Contact
Gregory Kornegay,
Attorney At Law
321 N Front St
Wilmington, NC 28401
(910) 763-5757
The Law Offices of Gregory K. Kornegay are a proud member of -
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formal legal advice nor the formation of a lawyer/client relationship. Any information received by us from our clients is held in
strict confidence and is not released to anyone outside of this practice, unless agreed with by you, or as required under
applicable law. SSL, TLS and SSH technologies are used to secure confidential web pages.