Published Friday, December 30, 2011 @ 6:20 pm

According to a new report from the 2012 U.S. Banking Sector Outlook, the New Year’s ring could signal a major “cha-ching” for banks in 2012, as financial institutions all across the country react to timely federal restrictions by scrambling to add new fees to their recession weary customers.

Coming from a new report from The Huffington Post’s Catherine New, “ In 2012, expect to see higher minimum balance requirements and an ongoing push to increase customers’ credit card spending, according to a “2012 U.S.…

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Published Friday, December 16, 2011 @ 5:34 pm

Despite a few recent hints that the sluggish U.S. economy might be improving—including record-breaking consumer spending figures from the recent Black Friday shopping boom—U.S. President Barack Obama is ready to warn the American masses that it could take longer than expected before the country gets back on its financial feet again.…

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Published Friday, December 2, 2011 @ 5:48 pm

In this blog we often talk about the benefits of bankruptcy for individuals and businesses—debtors who are part of the American fabric that are facing the significant financial perils of the current economic malaise.

But what if one of the financial entities that is often the primary culprit for harassing these same American debtors seeks the safe havens of bankruptcy relief?…

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Published Wednesday, October 5, 2011 @ 7:51 am

In what is becoming a “developing” story, financial news outlet Bloomberg is reporting that Eastman Kodak Company is currently weighing the benefits of a bankruptcy filing. The 131-year-old U.S. camera company recently hired law firm Jones Day for restructuring advice, the Wall Street Journal reported. Long known for its wide range of photographic film products, Kodak had recently tried to turnaround years of dramatic declines by refocusing on the major markets of digital photography, digital printing and its planned sale of 1,100 digital imaging patents, which the company said accounted for about 10 percent of its total patent portfolio.…

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Published Tuesday, July 26, 2011 @ 1:12 pm

Need to file bankruptcy or think you might? Then, you will be interested in this.

The Law Offices of John T. Orcutt is offering to get people filed for “$0 Money Down”. That’s right, “$0 Money-Down”. No upfront fees. No upfront costs.

Just for the record, this is not a loan and “no credit is needed” because this plan pulls on the power of Chapter 13 of the U.S.…

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Published Monday, June 20, 2011 @ 1:06 pm

Beginning in 2011, more than 10,000 baby boomers are turning 65 every day in a cycle that will continue for the next 19 years. And with these staggering figures, many experts are calling this boomer “coming of age” a troubling pattern amid tough economic times as most mature Americans have not saved effectively for retirement and/or are still retiring too soon to catch up.…

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Published Friday, June 17, 2011 @ 7:50 am

Summer is typically the time when gas prices jump, making seasonal vacations, travel and even the daily commute a bit more challenging as temps heat up. But political unrest in the Middle East fueling global insecurity about oil availability, means normally high gas prices could go even higher, leaving even less money for basic needs (and many families squeezed) during these hazy days of summer.…

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Published Saturday, May 21, 2011 @ 7:48 am

It’s that time of year again: baseball season. The smell of freshly-cut grass, the crack of the bat, the seventh inning stretches to the sound of the organ and the smell of a hot dog.

It’s also time for another great bankruptcy metaphor.

A personal bankruptcy can be just like a baseball game.…

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Published Tuesday, December 28, 2010 @ 10:30 pm

A number of months ago, it came to light that a number of banks, in conjunction with a few large law firms and foreclosure processing companies, were creating foreclosure assembly lines. As cases came down the line, outsourced “foreclosure specialists” would rubber stamp each one, regardless of its individual circumstances. For example, families who may have just started a modification program or were perhaps late on only one payment were being asked to turn in their keys.…

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Published Saturday, December 18, 2010 @ 4:50 pm

Facing everything from medical markups, to investment issues, to mortgage meltdowns to cash-strapped kids, it’s clearer than ever that our country’s oldest citizens represent one of the hardest hit demographics in the country’s lingering economic malaise. As a result, more and more mature Americans have been relying on high interest credit cards to scrape by, leading some to subsequently seek the financial safe havens a bankruptcy can provide.…

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Published Thursday, August 26, 2010 @ 11:54 am

So, like a very large number of Americans today, you think bankruptcy is your best route out of the financial doldrums.  After all the credit counselors, self-help books and Craigslist charlatans, it’s likely that you’ve grown tired of the debt cycle. We understand. That is what brings a lot of clients to our offices.…

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Published Tuesday, July 20, 2010 @ 5:57 pm

The bankruptcy of a major sports franchise is usually pretty big news.

In Texas this season, Major League Baseball’s Rangers have been subject to an ongoing bankruptcy case that seemed close to being solved just a few weeks ago. After the monumental contracts offered to players like Alex Rodriguez a number of years ago, on which the team still pays, the team just couldn’t stay on the field, financially speaking.…

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Published Tuesday, June 22, 2010 @ 5:02 pm

Are you one of the millions of Americans still out of work and, at the same time, wondering why so many “experts” are forecasting the end of the economic downturn? Well, you’re not alone. Last week, jobless claims rose again after three straight periods of decline—a new bellwether that people just like you are still facing unprecedented unemployment and lingering layoffs.…

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Published Thursday, March 11, 2010 @ 2:40 pm

Currently unemployed and getting unemployment benefits?
Then, this message is for you.

In this horrible economy, there is no guarantee that you will get another job or…even if you do…when.

And…those life-saving unemployment benefits? They are going to run out and when they do…that’s it.

Imagine the worse…no job…and no more unemployment benefits.…

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Published Monday, February 1, 2010 @ 2:14 pm

One thing you may already know about most court proceedings, is that parties usually have the option to represent themselves without the aid of an attorney. This is called appearing ‘Pro Se’, which, in Latin means “for oneself”. In a bankruptcy proceeding, when money is tight, the thought of saving money by cutting out attorneys and their fees can be pretty tempting.…

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Published Sunday, January 31, 2010 @ 6:04 pm

I’ve never known a person who believed that declaring bankruptcy was an easy solution to their problems. I have never heard anyone suggest that bankruptcy should be used as a tool to intentionally shaft creditors out of spite, or to gain power. Nor have I come across anyone who garnered some sort of perverse pleasure in leaving legitimate creditors, be they large companies or individuals, to twist in the wind.…

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Published Monday, January 25, 2010 @ 6:49 pm

If you are facing some serious financial problems, a guess that you are short on cash is not much of a stretch. Some people hesitate to file for bankruptcy protection because they believe they need to hire a bankruptcy attorney, but think they won’t be able to afford one. While they are absolutely right about the first part–an experienced bankruptcy attorney is essential to a successful bankruptcy–they may be surprised to learn how affordable legal services can be.…

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Published Monday, January 25, 2010 @ 5:50 am

Is Mortgage Cramdown Back on the Table?

Last week, amidst the hectic flurry of the election in Massachusetts and Obama’s announcement of new regulations on banks, another announcement didn’t get quite as much attention: the Obama administration will revamp the Home Affordable Modification Program (HAMP). The program will be streamlined, making it easier to file the necessary documents; for example, borrowers will be able to use pay stubs as proof of income rather than having to provide tax forms.…

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Published Thursday, January 7, 2010 @ 9:25 pm

The bankruptcy numbers for 2009 are out, and as expected, they’re high. According to a report in the Associated Press, 1.4 million people declared bankruptcy last year. That’s the seventh highest number ever, and the largest number since the change in the 2005 bankruptcy laws. 110,000 people declared bankruptcy in November, marking the 9th straight month of more than 100,000 bankruptcy filings.…

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Published Tuesday, January 5, 2010 @ 6:29 am

The New York Times recently published an insightful article detailing the struggles of homeowners facing foreclosure in the outer boroughs of New York City. At the New York State Supreme Court building in Jamaica, Queens, they come face-to-face with the lawyers representing the banks and the loan servicers that are pursuing foreclosure on their homes.…

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Published Friday, January 1, 2010 @ 2:05 pm

According to the U.S. Department of Labor’s Bureau of Labor Statistics, there are upwards of 31 million people currently unemployed—including men and women involuntarily working part-time and people who want a job, but have given up their long search to find one. Yet, while we hear a lot of numbers like this these days regaling the staggering unemployment rates affecting our country, nothing speaks louder than a nationwide, multimedia look at the two-year decline of the United States job front.…

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Published Monday, December 28, 2009 @ 12:36 pm

Across the nation, there has been a dramatic increase in bankruptcy filings as more and more people are out of work or underemployed and unable to meet their financial obligations. Nowhere is this economic decline more evident than the state of Michigan, where both unemployment and bankruptcy figures have risen dramatically.…

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Published Thursday, December 24, 2009 @ 1:01 am

Well, it’s the holidays, so it’s time have some fun and hopefully, forget about all those pesky financial problems. They say humor is the best medicine, so we searched around and came up with a few great jokes about, well, what else? Money! Enjoy …

At the annual Christmas gathering, all the kids were at the feet of their wealthy old great granddad, who was settled in his chair entertaining them with classic yarns about days gone by and memorable life adventures.…

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Published Saturday, December 12, 2009 @ 12:07 pm

Are you putting off filing for bankruptcy because you fear it will cause you to lose your security clearance? Or do you work or study in a field with a lot of defense work, and you fear a bankruptcy will keep you from getting a job? In fact, filing bankruptcy could be the best thing you could do to get or keep your security clearance.…

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Published Tuesday, December 8, 2009 @ 1:40 pm

When you are dealing with debt collectors, it’s essential to stand up for yourself and remember that your rights are protected by federal law. Debt collectors like to intimidate debtors by making them feel like they play fast and loose with standards of debt repayment. Yet in reality, it is often the debt collectors who play fast and loose with the law.…

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Published Saturday, December 5, 2009 @ 1:10 pm

The New York Times recently published a story relating to one aspect of the foreclosure crisis that many a troubled homeowner will know all too well. When you’re struggling to hold on to your home, the main reason is obvious: for one reason or another, you cannot afford the big mortgage payments rolling in every month.  But the troubles don’t stop there: increasingly, homeowners are finding themselves squeezed to the breaking point by property taxes they can’t afford.  Unfortunately for many homeowners, the pictures gets even grimmer.…

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Published Saturday, November 28, 2009 @ 6:12 pm

Making the decision to file is a difficult one. Choosing the right attorney is a pretty daunting task as well. Now that all that is done it is time to make and go to your first appointment.

Expect to be a little anxious. You are about to commit to a big lifestyle change.…

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Published Saturday, November 28, 2009 @ 10:58 am

Home foreclosures, job losses, massive consumer debt and health care costs have millions on the edge of financial ruin, struggling every single day even as we’re told by some that the worst economic downturn since the Great Depression is “technically over.”

If you’re affected by any of the above and you’re here, you may be considering bankruptcy.…

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Published Sunday, November 22, 2009 @ 12:37 pm

Does anyone else find it just a little ironic that the two most commonly used bankruptcy options are lucky number 7 and the unlucky number 13? You have to wonder just a little bit if that is fates way of trying to send you a little message…

There are actually six different types of bankruptcy which a person or corporation can file: 7, 9, 11, 12, 13, and 15.…

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Published Thursday, November 19, 2009 @ 10:33 am

While credit card debt may not always be the reason a person files bankruptcy, it is a significant factor in many cases. There are myriad reasons why those balances become so unruly. Impulse purchases, for example. However, a lot of that debt can also be attributed to deliberately confusing contract agreements.…

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Published Wednesday, November 18, 2009 @ 11:41 am

Many people who are in debt and considering bankruptcy know that there are certain circumstances under which they can protect some part of their home’s value from creditors. This is known as the “homestead exemption.” But how do you know how much of your home’s value you might be able to protect?…

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Published Monday, November 9, 2009 @ 6:15 am

If you are facing both bankruptcy and divorce, you might be wondering whether you should file bankruptcy before or after obtaining a divorce.

In most cases, you should file bankruptcy before divorcing.  Especially if you earn more than your spouse!  If you don’t file bankruptcy before getting a divorce, you might wind up having to pay all of the debt you and your spouse incurred during your marriage!  Or you could end up paying more in child support and alimony to make up for your spouse’s debt.  Regardless of who earns more, wouldn’t it be better to get rid of your debt rather than fighting over who pays for it when you go to divorce court?  A chapter 7 bankruptcy can get rid of some, even all, of your debt before going through the divorce, and will make your divorce case much simpler.  You may not know yet what your life will be like after your divorce, but at least you will know that your debts have been handled.…

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Published Thursday, November 5, 2009 @ 10:33 am

Bankruptcy is often filled with as many financial ups and downs as it is emotional ones. A fear of an uncertain future, the unfortunate stigmas about having to file, and the very real dose of reality can certainly be downers.. There is no shame in feeling depressed about your financial struggles.…

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Published Tuesday, November 3, 2009 @ 8:03 am

So your long-time employer is declaring bankruptcy, re-organizing, or worse, closing its doors for good. Fine, you never liked that job anyway. You’ll cash in your chips, downsize, move to the lake, and finally open that bait and tackle shop you always dreamed of. Heck, you might even rent rowboats while you’re at it.…

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Published Sunday, October 4, 2009 @ 1:27 pm

The current administration would love to perpetuate the common belief that most personal bankruptcies are the result of ruinous medical bills. News articles cite numerous studies and statistics that support this theory. But is it really true?

The “recent” Harvard study that has been bandied about lately as proof that the broken US healthcare system is behind the majority of personal bankruptcies was originally published in 2005, five years ago, and was based on data collected in 2001.…

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Published Thursday, September 17, 2009 @ 7:27 am

Most people understand that wage garnishment is basically what happens when a court order requires your employer to withdraw a portion of your paycheck for the repayment of a debt. If you are already up to your ears in debt and barely able to make ends meet each month, one wage garnishment, be it by the IRS or another entity, can be the straw that breaks the camel’s back.…

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Published Friday, September 11, 2009 @ 8:53 am

My parents filed bankruptcy when I was about fourteen. I remember being worried and a little frightened by the word “bankruptcy” and the unknowns surrounding the concept. But I also knew that it was not something my parents were entering into lightly and that every other option had been considered. It was the first time I really took notice of financial issues concerning our family.…

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Published Monday, September 7, 2009 @ 7:20 pm

So let’s say you run into some financial troubles. You meet with a bankruptcy attorney to discuss your options. You’re thinking that, if you’re going to file, you should try to refinance your mortgage first to lower the payments and ease some of the pressure. You’re also thinking you might want to go ahead and replace that old clunker with a reliable car to make sure you won’t have a problem getting to work during your bankruptcy case.…

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Published Saturday, September 5, 2009 @ 8:16 am

Let’s say you file a Chapter 13 bankruptcy petition in a given year. You state in your petition that you owe state income taxes for the previous year and give an estimate of that amount. The bankruptcy court confirms your plan. You then file your state income tax return, showing you owe even more than you stated in the plan, and you don’t pay the taxes.…

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Published Friday, August 21, 2009 @ 5:49 pm

The last installment of the hugely successful Terminator franchise was widely regarded as anemic―except at the box office , where it grossed a healthy $370 million. That’s a pretty good return on the film, and it hasn’t even been released to DVD yet. So with that kind of success, you’d think the franchise owners would be laughing all the way to the bank, right?…

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Published Wednesday, August 12, 2009 @ 9:25 am

Everything is so political today. From health care reform and recession bailouts to the multitude of Web sites, cable news stations and talking heads that cover the debates, there seems to be no escape from the issues that are shaping our country. However, in the thick morass of over-done analysis and futile attempts to put every issue, no matter how minute, into historical context, we have like no other time in history, lost sight of how we ended up where we are today.…

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Published Monday, August 3, 2009 @ 10:45 pm

Marriage is a partnership, and it works much better with each partner pulling his or her own weight. To avoid problems down the line, it’s a good idea for each partner to establish and maintain a separate credit identity. As a matter of fact, that is how the law will see it in all but the nine community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin.) This means that if your spouse takes on a financial responsibility without you, you will not be legally liable for it, and vice versa.…

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Published Wednesday, July 29, 2009 @ 9:06 am

Multi level marketing, also called “direct selling” “affiliate marketing” or “home-based business franchising”, has become popular in the past few years as a way for those with an entrepreneurial streak to build their own businesses with minimum investment. It has been especially appealing to, and vigorously directed towards parents (usually mothers) who wish to stay at home with their children but want or need to earn income at the same time.…

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Published Friday, July 24, 2009 @ 3:27 pm

Few of us learned much about balancing a checkbook, let alone managing our finances during high school. And for many years credit card companies have been trolling college campuses for fresh bodies to press into servitude. So it comes as no surprise that so many young adults are overloaded with debt.…

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Published Monday, July 20, 2009 @ 11:01 pm

The automatic stay is one of the greatest benefits that filing for bankruptcy has to offer. However, it is important to note that there are some exceptions to the applicability of automatic stay rights.  You will not be protected from criminal prosecution, divorce proceedings, government regulatory procedures (except for efforts to collect on pre-petition debt–these will be barred) and efforts to collect on child support and alimony, or even modifications of the support orders.  Regular deductions for payments of a loan against a retirement plan may also continue even after the stay.…

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Published Friday, July 10, 2009 @ 8:10 am

While details of super-sized corporate failures, like GM and Chrysler, are being splashed across front pages of newspapers and websites, grabbing our attention and garnering an inordinate amount of debate, the reality is that the vast majority of commercial bankruptcies are filed by entrepreneurs and small-business owners. The first five months of this year have shown a 52% increase in the total number of commercial bankruptcy filings.…

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Published Wednesday, July 1, 2009 @ 10:12 pm

This week, the Obama administration rolled out its plan to create a national Consumer Financial Protection Agency, following closely on the heels of the recently enacted Credit Card Act of 2009.

Apparently, there’s a sense that consumers, having been left alone with the wolves for long enough, need a lot more government sponsored help to safely make their way through today’s financial landscape.…

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Published Monday, June 29, 2009 @ 10:13 pm

Well, Chrysler’s bankruptcy fire sale is done. It was finalized on June 10th. Now, three main players hold the bulk of Chrysler’s “good” assets: the Italian car-maker Fiat, the United Auto Workers’ retiree healthcare trust, and the federal government. And, the majority of Chrysler’s secured creditors got 29 cents on the dollar for their debts.…

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Published Friday, June 26, 2009 @ 3:45 pm

By this time of year, the flu and cold season is usually behind us. The windows are open, the jackets are packed away, and the cold medicines are shelved, as we get ready to enjoy the freedom that the warmth of summer brings us. But it’s different this year. The “Swine Flu” (the H1N1 virus) is upon us.…

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Published Monday, June 22, 2009 @ 7:00 am

So let’s say you run into some financial troubles. You meet with a bankruptcy attorney to discuss your options. You’re thinking that, if you’re going to file, you should try to refinance your mortgage first to lower the payments and ease some of the pressure. You’re also thinking you might want to go ahead and replace that old clunker with a reliable car to make sure you won’t have a problem getting to work during your bankruptcy case.…

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Published Thursday, June 11, 2009 @ 5:32 pm

In this age of near double digit job loss, devious credit card practices, multiple industry collapses, and out of control government spending that promises a future of oppressive taxation, it’s a wonder anyone is still able to keep his head above water. More and more people are now realizing that they are at the helms of rapidly sinking ships.…

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Published Tuesday, June 9, 2009 @ 4:00 pm

Immediately after filing for bankruptcy, you can let out a sigh of relief for the first time in a long time― finally you will catch a break from your creditors!  One of the fundamental protections for debtors in the bankruptcy process is the automatic stay, which provides a much needed break from the relentless collection efforts of ruthless creditors.  An automatic stay is an injunction― essentially, the court bars further attempts at collection and can impose judicial punishments for disobeying the stay.…

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Published Sunday, June 7, 2009 @ 8:59 am

As any experienced bankruptcy attorney will tell you, knowing your rights and defenses against creditors is key to leaving behind a troubled financial past and making a fresh start. There are a host of things you should know. One of them is that there are specific limits to how long your creditors can chase after you trying to claim an unpaid debt.…

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Published Thursday, June 4, 2009 @ 2:55 pm

A very troubling trend that potentially affects millions of Americas is going unnoticed. Don’t make the mistake too many people make when it comes to arbitration. There’s a good chance that you have conceded to arbitration already, probably unwittingly. That’s because more and more of the big companies that touch our lives on a daily basis, such as software developers, banks, web based services and of course, credit card companies, are writing arbitration clauses into their terms.…

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Published Monday, June 1, 2009 @ 5:30 pm

People have been struggling with debt problems since ancient times, and for the same reasons that many of us continue to experience them today: loss of income, disability, or some other unforeseen event that prevents us from being able to pay our debts. But it’s only been in recent times that the laws have provided real protection for people caught up in such circumstances.…

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Published Sunday, May 31, 2009 @ 6:49 pm

The decision to file bankruptcy is more often than not driven by your willingness to accept the fact that you need help. Chances are, you are fully aware of the practical reasons: late bills, consistent calls by creditors, job loss, unseen medical expenses, stress, denied credit. However, getting over the psychological barriers can be the most difficult corner to turn in a person’s road to financial recovery.…

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Published Monday, May 18, 2009 @ 12:47 pm

One of the big myths in the minds of people who are in debt and happen to be married is that bankruptcy leads to divorce. Yes, along with medical bills and job loss, divorce can be considered a leading contributor to bankruptcy, since it can put one or both ex-partners in a significantly more fragile economic position, and ultimately lead to a perilous situation that can be remedied no other way.…

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Published Thursday, May 14, 2009 @ 7:00 am

So you’ve decided to file bankruptcy. You might be wondering if you need to hire an attorney, or if the process is simple enough to do on your own. In theory, you could file the case on your own, and some people do. The problem is, your financial situation is unique.…

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Published Sunday, May 3, 2009 @ 11:19 pm

The Law Offices of John T. Orcutt is your bankruptcy source. Call 1-800-899-1414 for a free initial debt consultation or visit www.billsbills.com for more information. …

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Published Friday, May 1, 2009 @ 10:09 pm

Our Raleigh office is a short 30 minute drive from Fuquay-Varina. Contact the Law Offices of John T. Orcutt for a free initial debt consultation. 1-800-899-1414. Or visit www.billsbills.com to fill out our free debt questionnaire. …

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Published Friday, May 1, 2009 @ 9:55 pm

In the heart of Durham, North Carolina, contact the Law Offices of John T. Orcutt. 1-800-899-1414. Or visit www.billsbills.com to fill a quick and confidential debt questionnaire. …

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Published Thursday, April 23, 2009 @ 3:06 pm

Like so many others right now, you’re struggling to pay your bills, falling further and further behind, and wondering what you can do about it. Maybe you’ve heard about the benefits of bankruptcy: the ability to wipe out your unmanageable debts and save your home from foreclosure. But maybe you also think you don’t qualify for bankruptcy protection, because it just so happens that you’re not actually a U.S.…

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Published Wednesday, April 22, 2009 @ 1:48 pm

One of the worst aspects of having debt troubles are the calls from bill collectors. Who doesn’t dread those mean phone calls after you miss a couple of payments?

Recognizing the damage that bill collectors can inflict on people in debt and their families precisely when they are most vulnerable,  Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1977.…

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Published Wednesday, April 1, 2009 @ 10:55 pm

The Law Offices of John T. Orcutt has four convenient office locations. If you’re in Rocky Mount, NC, you’re only 30 minutes away from our Wilson office. Visit www.billsbills.com to set up a free debt consultation online or call 1-800-899-1414. …

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Published Wednesday, April 1, 2009 @ 7:24 pm

The Law Offices of John T. Orcutt has four convenient office locations, including Fayetteville. Visit www.billsbills.com to set up a free debt consultation online or call 1-800-899-1414. …

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Published Wednesday, April 1, 2009 @ 1:19 pm

The Law Offices of John T. Orcutt has a convenient office location in the heart of Durham. Visit www.billsbills.com to set up a free debt consultation online or call 1-800-899-1414. …

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Published Wednesday, April 1, 2009 @ 10:48 am

The Law Offices of John T. Orcutt has four convenient office locations. If you’re in Angier, NC, we’re only a short 30 minute drive away. Visit www.billsbills.com to set up a free debt consultation online or call 1-800-899-1414. …

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Published Wednesday, April 1, 2009 @ 10:45 am

The Law Offices of John T. Orcutt has four convenient office locations, including Wilson. Visit www.billsbills.com to set up a free debt consultation online or call 1-800-899-1414. …

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