© 2015 by The Law Office of Stephen B. Carruthers.

11 USC 528 Disclosure:  The Law Office of Stephen B. Carruthers is a debt relief agency that helps clients file for bankruptcy relief under the Bankruptcy Code. The information on this website is not, nor is it intended to be, legal advice. In order to obtain legal advice regarding your specific situation you are encouraged to contact an attorney. No contact information received through this website will be handed out or sold to any second party.


Serving the following North Carolina Counties: Henderson, Transylvania, Polk, Buncombe, Avery, Mitchell, Yancey, Madison, Haywood, Jackson, Macon, Clay, Swain, Graham, Cherokee, McDowell, Burke, Rutherford & Cleveland.

Supporter of:

Proud member of:

April 23, 2018

During my initial consultations, clients often want to know whether they will have to appear in court as a part of their case.  The short answer is that yes, an appearance at the courthouse for the "341 meeting of the creditors" is typically required, but the meeting i...

September 13, 2017

A question that I often hear from clients is whether they are allowed to keep only one vehicle if they file bankruptcy.  This is a common misconception as there is no "one car" rule in bankruptcy.  The ability to keep more than one car (or any vehicle) in bankruptcy de...

December 1, 2016

For clients who have filed bankruptcy before, one of the first questions they ask me is, "can I file bankruptcy again?"  Depending on when your last case was filed and what chapter it was filed under will determine whether you can receive your discharge in a subsequent...

May 11, 2016

Often, clients come to me concerned about the impact that filing bankruptcy will have on their credit.  Unfortunately, there may be no straightforward or easy answer to this question.   However, there are a few things that we do know that can be helpful in addressing t...

April 11, 2016

Chapter 13 bankruptcy can stop a foreclosure and allow you to save your home by giving you the opportunity to catch up on mortgage payments over a three, to five-year period.  For example, say you are $10,000 behind on your mortgage and you have a regular monthly mortg...

Please reload

Featured Posts

I'm busy working on my blog posts. Watch this space!

Please reload

Recent Posts
Please reload

Please reload

Search By Tags
Please reload

Follow Us
  • Google+ Basic Square