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Chapter 13 Bankruptcy and Building Credit

Published November 11, 2020 by Sasser Law Firm
people walking around with credit scores depicted over their heads

When you’re in Chapter 13 bankruptcy, it may feel like a purgatory that limits your financial options. You can, however, use this time and this tool to strategically improve your credit-worthiness. How Chapter 13 Bankruptcy Affects Your Credit Report The...

Stop Living Paycheck to Paycheck with These Tips from a Bankruptcy Lawyer in NC

Published January 31, 2020 by Sasser Law Firm
Organizing finances by the computer

Do you often feel trapped by the paycheck-to-paycheck cycle? Do you find yourself continuously counting down the days until your next direct deposit hits your bank account? You’re not alone. Living paycheck to paycheck is a reality for many Americans....

6 New Year's Resolutions for Dealing with Personal Debt

Published December 18, 2019 by Sasser Law Firm
Preparing to sort finances with phone, notepad and laptop

Getting a better handle on your household finances and the amount of debt you are shouldering is a great way to gain peace of mind and achieve financial stability in 2020 and beyond. These tips will help those looking to...

Consumer Debt Gets Tough to Manage Around the Holidays

Published November 26, 2019 by Sasser Law Firm
'Hand of a person facing holiday debt holding credit card and looking at their balance on a computer screen

The winter holidays are a joyous time, but not if you are struggling with debt. From Black Friday and Cyber Monday to last-minute sales just before Christmas, industry experts expect the average American to spend $920 per person on holiday gifts in 2019.  It’s easy...

How Do Chapter 7 and 13 Bankruptcy Affect My Credit?

Published October 9, 2019 by Sasser Law Firm
man cutting credit card

It’s a question we hear often: How long does a Chapter 7 bankruptcy stay on a credit report? A Chapter 7 bankruptcy will remain on your credit report for 10 years, but the real impact of a bankruptcy on your...

5 Tips for Improving Your Credit Score

Published November 14, 2018 by Sasser Law Firm
Credit Score Improvement

When the Sasser Law Firm works with individuals and businesses who seek bankruptcy protection, the goal is for the client to emerge from bankruptcy in stronger financial health. In addition to discharging some debt, you need to reestablish your ability...

Bank Card Delinquencies Near a Twenty Year Low

Published July 11, 2014 by Sasser Law Firm

The American Bankers Association has reported that credit card delinquencies have fallen to 2.44 percent, well below the fifteen year average of 3.82 percent. This is good news for two reasons. First, it means that the economy is improving. After...

Incurring Debt While in Chapter 13

Published May 5, 2014 by Sasser Law Firm

In the Eastern District of North Carolina, chapter 13 debtors are required to obtain court approval prior to incurring debt or making a purchase in excess of $7,500.00. Conventional mortgage loans are rarely obtainable by chapter 13 debtors. Credit cards...

Target Security Breach

Published February 5, 2014 by Sasser Law Firm

On December 19, 2013, Target announced that thieves had gained unauthorized access to Target payment card data. 40 million guests who had shopped and made credit or debit card purchases in US Stores between November 27th and December 15, 2013 may...

Leaving Debts Off of a Bankruptcy Filing

Published January 23, 2014 by Sasser Law Firm

We are commonly asked whether debts may be excluded from a bankruptcy filing. Below are several common examples: 1. A secured debt where the debtor wants to keep the collateral 2. A credit card that the debtor needs for: a. emergencies b. travel...

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