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State Directory- Divorce
- Child SupportCertain debts are not dischargeable, including any debt that is not listed in your schedule of creditors, certain taxes, alimony, child support, criminal debts, student loans, and a few others. We can help you to determine whether or not a debt will be eligible for discharge.
- Spousal Support• Exempt sources of income and assets traceable to alimony, child support income, the child tax credit, and the Earned Income Tax Credit (EITC).
- FraudNO NEW DEBT: DO NOT USE YOUR CREDIT CARDS AND DO NOT INCUR ANY NEW DEBT. DO NOT REFINANCE ANY PROPERTY OR PURCHASE ANY NEW PROPERTY. Doing so may delay the filing of your bankruptcy petition and subject you to potential criminal bankruptcy fraud charges. This restriction does not apply to debit cards that are deducted directly from your checking account. If you have any doubts or questions, please contact our office for advice.
- Real Estate LitigationRod Vujovic is a graduate of DePaul University College of Law in Chicago, where he received his law degree (J.D.) in 1996, and a Masters of Laws degree (LL.M.) in Health Law in 2001. His legal background has primarily been concentrated in the field of consumer bankruptcy law, including working as an attorney for the Midwest's largest consumer bankruptcy firm, as well as a Chicago area general practice firm handling cases in consumer bankruptcy law, family law, real estate law, and estate planning.
- Personal InjuryFirst….while laws vary from state to state, every state has exemptions that protect certain kinds of property. Using North Carolina as an example…..there are exemptions to protect such things as your house, your car, your truck, household goods and furnishings, IRAs, retirement plans, the cash value in life insurance, wages, and personal injury claims. There is even a “wildcard” exemption of $5,000 per person that can be applied wherever you want it. In those rarer situations where you have more property than can be protected by available exemptions…there is Chapter 13. In Chapter 13…you can even keep this property by paying a higher Chapter 13 plan payment.
- Estate Planning
- BankruptcyDalton Camp proclaimed several years ago that "having lost its value, money may no longer be the root of all evil; credit having taken its place." This statement demonstrates the paradox of modern day Christianity and debt—should the Christian reaction be one of condemnation or one of compassion. Since many recent respected studies have shown that the average American family is only three weeks away from personal bankruptcy, and new legislation that will deny bankruptcy relief to hundreds of thousands of American families is now the law, it is time to revisit what the Bible teaches us about debt.
- ForeclosurePeople with problems with secured debt are frequently better off filing a Chapter 13 case than a Chapter 7 case because the Chapter 13 will allow the debtor to pay off the past-due secured debt over time. Chapter 13 allows you to stop the foreclosure of your home or repossession of your car and get caught up on the past-due payments over a period of years, rather than all at once. Once your Chapter 13 case has been filed your future mortgage payments will be made through your Chapter 13 case plan along with the past due payments. The past due amounts will be paid at 0% interest.