Issues That Can Come Up:
- 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
What Our Clients Say:
Member:
Attorney Gregory Kornegay
Greg is a trial attorney in Wilmington with over 30 years of experience. Greg was born and raised in southeastern North Carolina. Before law school he managed a store with employees making a payroll every week. His first job out of law school was as an Assistant District Attorney investigating and trying cases for the State of North Carolina. Through the years he has handled many different types of cases – including death penalty cases.
Being married with children has been a blessing and a challenge, but has served him well in understanding the problems individuals and families face as they live out their lives. Greg believes that each case is different and the needs of each client are unique, but there are certain themes of life that we all share.
