North Carolina Bankruptcy

(800) 870-9465 If you are going to North Carolina Bankruptcy Court or need a North Carolina Bankruptcy Attorney then you need Cameron Law. Better in most cases then the touted "credit management", "debt reduction", "debt consolidation loans", "credit repair" and, "debt settlement"; It allows a fresh start and the ability to clean up your credit. Unlike a North Carolina Bankruptcy, none of the others help your credit, and most will damage it more.

Do you need Financial CPR+?
Cost - We strive to keep our cost down. We charge only $999 for a Chapter 7 Bankruptcy! Yes we have payment plans!
Personality - We are proud of our claim:
. . . Bankruptcy Law at its Friendliest!
Resourcefulness - We work hard to get you the best deal and most options possible!
+ Plus - We are open most weekends and evenings and work via Internet, Phone & USPS - No need to come to our office!

Under the UCC code, any repossession of any property must be done in a commercially reasonable manner and with notice to the Debtor. If a car lot fails to sell the car in a reasonable manner or if it fails to give you notice, you may not be liable for the deficiency. If the sale is not commercially reasonable, or if proper notice is not given, you may sue a bank for conversion (theft). Auto sales and financing are full of consumer law violations including fraud and high-rate home secured loans that strip equity from senior citizens.

Most of the threats of repossession of household goods are bluffs and illegal threats. In order to legally repossess a car or other property a creditor cannot breech the peace. This means that if they really want to get the property you can force them to get a court order. You can call the police and have them ordered off your land and even put in jail if they fail to leave. If a creditor (or repossession man) uses threats to attempt to get property, you should record it, get witnesses, and call the police. They have no legal right to get property unless they can do it without breeching the peace. Sneaking and stealing the car in the middle of the night from where you parked it in the street is legal. Threatening you or forcing themselves inside a home or garage is a lawsuit against the repossession man and the bank. NOTE: If your vehicle is in your driveway they can repossession it if you don't catch them and tell them to stop. Once their front tires hit the public road, wave goodbye to your car!

GENERALLY creditors do not actually repossess a vehicle until you are 3 or more months behind in payments. They cannot break into a garage or harm any of your personal property (such as a chain around the axle) while repossessing the vehicle. Once repossessed they must give any personal property that was in the vehicle back to you if you request it - but beware. Some will charge storage fees, or charge to get the personal property out of the vehicle for you. Many times they will claim their was no personal property in the vehicle - and you will be hard pressed to prove there was personal property stored there. It is nearly ALWAYS best not to leave personal property in any vehicle that could get repossessed!

A Chapter 13 will stop the danger of repossession - as long as you continue making payments on the vehicle and the Chapter 13. Many times a Chapter 7 can save a vehicle from repossession if it is redeemed or reaffirmed. If you have a vehicle that you wish to keep that is in danger of repossession, it is important that you file bankruptcy as soon as possible. Many times we have seen people take their time and lose a vehicle that they wanted to keep. We can file an emergency bankruptcy in a day or two, and if you are in danger of losing your vehicle, you need to ask us to do this.