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Understanding secured and unsecured credit

There are many residents in North Carolina who find themselves facing levels of debt that they are unable to keep up with. For many of these consumers, a personal bankruptcy offers an opportunity to be free of unmanageable debt and get a fresh financial start. When choosing the right bankruptcy plan for their situation, a person should understand the two different types of debt - secured and unsecured.

How Chapter 7 and Chapter 13 differ

Anyone in North Carolina who is contemplating a bankruptcy plan as the answer to their debt needs should first understand the two types of consumer bankruptcy. Each plan, the Chapter 7 bankruptcy and the Chapter 13 bankruptcy, has its own set of pros and cons for a consumer based upon their unique situation. The two plans operate very differently but both have the potential to give a person a fresh financial future.

What you should know about student loans and bankruptcy

If you are currently struggling under the weight of enormous debt, you are certainly not alone. In cases where debt becomes overwhelming and cannot be repaid, bankruptcy is a reasonable option to consider. Unfortunately, many people don’t realize that some debts are not dischargeable in bankruptcy – including student loans.

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planer sherlock

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Gastonia, NC 28052

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