Articles by charlotte

Free Legal Introductory Offer In Charlotte NC

Free Legal Introductory Offer In Charlotte NC

Most, if not all, individual damage lawyers will give a free introductory consultation https://www.steventmeierpllc.com/ conference to new cases. When you first call the attorney, you ought to be set up to give certain essential data with the goal that the counsel goes as smooth as could reasonably be expected. Despite the fact that the underlying meeting is ordinarily free, most legal counselors will keep on giving free interviews to damage case particularly if the attorney is keen on taking the case. Be that as it may, don’t manhandle this benefit. The legal advisor will most likely cut you off on the off chance that the individual in question feels as if you are exploiting the discussions so as to deal with the case yourself. When you call a legal advisor, be set up to disk the accompanying issues:

Mishap Facts. When portraying your mishap, make certain you know the date of the mishap, the area of the mishap, and the fundamental certainties. For example, in an auto collision case, you may express that “I was associated with an auto crash on March 1, 2012, on the Interstate 20.” In a slip-and-fall case, you may state “I fell at Walmart on March 1, 2012, when they were cleaning the floor.” Refrain from talking about superfluous issues, for example, “the other driver was inconsiderate” or “the senior supervisor didn’t consider me the following day to perceive how I was doing.” Stick with the fundamental certainties and attempt to keep feelings out of the discourses.

Wounds and Medical Treatment. Be set up to portray your wounds, for example, “I had a cracked neckline bone” or “I stressed my neck and back.” As the meeting advances, the lawyer will request increasingly nitty gritty data. In the event that you went to the medical clinic by rescue vehicle, at that point start there. Give a concise portrayal of the treatment you had at the emergency clinic. At that point portray any further treatment in sequential request. You may state that “Following a couple of days I wasn’t feeling any better thus I went to see my family specialist who requested a MRI. The MRI demonstrated a herniated circle so my PCP alluded me to a master, etc.

Earlier Injuries or Claims. Your legal advisor will quite often inquire as to whether you had any past wounds or individual damage claims. This data is significant. In this manner, you should be direct and legitimate about any past wounds from the beginning. Be that as it may, on the grounds that you had a past damage doesn’t mean you don’t have a case. I have effectively taken care of numerous situations where the customer had a past damage to a similar piece of the body. However, your legal advisor has to think about it so the person can design a technique for your case in view of that reality. There is nothing more decimating to your case than your legal advisor being shocked about earlier damage that was not recently uncovered.

Settlement Value. Abstain from asking the legal advisor what you can expect as a settlement. This sends an inappropriate message about your genuine goals in seeking after your case. In the event that the legal advisor raises the issue of settlement esteem, at that point be attentive. No legal advisor can authentically give you a gauge of the estimation of your case during the counsel stage. Normally, any discourse of settlement worth comes a lot later for the situation after your lawyer, the insurance agency and any contradicting lawyer has the chance to direct their examination. In the event that a legal counselor endeavors to talk about settle an incentive with you during your meeting, rest guaranteed that the legal advisor is simply attempting to get you to focus on them. You should pardon yourself from the call and proceed with your quest for a lawyer.

Mattress Store Sale In Charlotte NC

By a long shot the most widely recognized mattress sold in the Charlotte NC. Contact Dilworth mattress store sale Charlotte NC dilworthmattressfactory.com. Created over a hundred years prior, it’s a prominent and commonsense plan. The mattress contains a system of curls (springs) that are intended to give push-pull support. The curls are intended to give and pad when weight is expedited them, however they likewise have enough spring to oppose and give some help. This give-and-take among pad and backing is the reason that inward springs have been so prevalent for such a long time. An internal spring is the top mattress which is intended to work with a case spring. A crate spring is additionally a curl framework that gives some push-dismantle backing to the internal spring mattress.

The inward spring mattress is typically accessible in numerous levels, from economy to top extravagance models. When in doubt of thumb, you have to purchase a superior evaluation of mattress in the event that you plan on utilizing the mattress vigorously (and that implies considering it consistently, having more than one individual in bed, and how much weight these individuals will put on the mattress). Be that as it may, when you get to the tippy-top level, you may find that the mattress is increasingly about extravagance ornaments (pad tops, spread material, cushioning) than toughness.

In the event that you are purchasing a mattress for a kid’s room or visitor room, an economy evaluation is likely more than adequate. A mid-extend mattress is better for every day use by a solitary sleeper (it will last more) and top evaluations might be required if two individuals will utilize the bed, especially on the off chance that they have some additional poundage.

When you’ve chosen the kind of mattress store sale in Charlotte NC you need, begin to shop deals handouts and online before wandering into a store. Mattresses go on special intermittently, so you might almost certainly get a decent purchase in case you’re patient and concentrate what’s accessible for some time.

Looking for a mattress means testing the mattress and (in case you’re a genuine customer) taking a few notes. Note that occasionally retail establishments will offer their very own line of mattresses which, in all actuality, are made by the real producers and may even compare to a mattress you could purchase at a markdown house. In the event that you look for mattresses at furniture stores or retail establishments, you will likely observe higher-evaluated stock. The sales rep might most likely reveal to you who fabricates the house brand of mattress; you would then be able to get the equivalent or comparative mattress at a markdown outlet.

Mattress stores, some rebate furniture stores mattress store sale in Charlotte NC, and other markdown houses convey mattresses and frequently at great costs. The issue with markdown houses is that they may have an extremely constrained choice and a here-today-gone-tomorrow strategy (that is, they may stock one sort of mattress for some time however when that stock is sold, they may recharge it with a completely extraordinary mattress).

The best approach is to make sense of the sort of mattress you need and hold narrowing it down until you know a size, brand, and model. This will give you a chance to do some examination into costs. When you know pretty much what the going rate is, great arrangements will wind up evident to you. (Numerous easygoing mattress customers likewise keep running into great arrangements yet don’t generally remember them!)

You want o know the top tips regarding water restoration in charlotte ?

You want o know the top tips regarding water restoration in charlotte ?

You want o know the top tips regarding water restoration in Charlotte?

The water damage would occur due to the excess of water release or pool in a particular area for a long time. Even when there is a tiny leak occurs then there is a need to examine and complete the restoration process spanglerestores.com, it off. If you missed then it would lead to the big issues that would be so difficult for you to overcome from that. It is because there are lots of possible ways are there for your property to get damaged through this and some of the things that you should do for restoration the water with effective guidance. 

  • It is required for you to remove out all the standing water through doing as like this you can avoid the water to stand on the floor for long times.
  • There is a need for you to remove up the excess of the water through mopping and blotting.
  • Wipe out all the excess of the water from the wood furniture that too after removal of the lamps and the tabletop items.
  • Remove and props wet that is available in the cushions.
  • Place the aluminum foil or the blocks that is present between the furniture legs and the carpet.
  • Turn the air conditioning on that would dry up the maximum wet. 
  • There is a need for you to remove all the valuable items that is available in the dry place.

If you are not clear with it, then you can ask some help from the best water restoration team and sure they can give you with the best tips related to the water restoration. Through following all those tips sure you can overcome from that and stay happy.

  • In addition to this, there is a need for you to be aware of the rodents, snakes and the other insects that would come to your home during the water restoration.
  • It is not safe for you to smell the gas and look for damaged power and the gas.
  • It is required for you to look out for the broken pilings, shifted stairs and slanted floor walls.
  • Do not turn off the water and power that would really put your into worries.

Things that you should avoid

  • You should not leave any of the wet fabrics in the place.
  • Don’t leave the books and the magazines or the colored items in the flood.
  • It is not safe for you to use the household vacuum to remove water.
  • Avoid using the television and the other household appliances.
  • Avoid walking into the sagging floors that would really make you to fall in it.
  • Don’t turn on the ceiling fixtures when your ceiling is wet. 

If you feel difficult then you can make a call to the team who can come out with the best water restoration ideas and sure through following that you can overcome from all the problems easily within a short span of time.

Mold remediation 10 tips

Mold remediation 10 tips

Removing the mold from the property is one of the most challenging tasks at all times. If you have noticed mold presence in your home and think about the best mold remediation at this time, then you can focus on the mold remediation techniques as comprehensive as possible. The following details explain to you about how to successfully get the Rock Hill SC mold remediation report for free.

  1. Check for plumbing leaks 

You may notice mold nearby icemaker lines, waste lines, water pipes or plumbing fixtures. You have to understand that possibilities of mold growth are high beyond doubt. You can let the water run when you check the pipes and their surrounding areas for the damp spots to find out whether the mold is present or not. Remember that the actual water leak may from some distance from the mild. You have to find and fix the water leak. Use mildew cleaner and keep the mold from coming back.

  1. Clean with bleach in the bathroom  

You have to use the best-in-class bleaches and detergents to get rid of mold in your bathroom and surrounding areas. You can wipe the mold away by using the best bleaches and detergents.

  1. Look for outside leaks  

It is the right time to look for molds present in the outside leaks like walls and roofs. You can check the door, decks, window wells, roof flashing and other areas. You must properly install the flashing in places where you fix the leaks. 

Image result for mold removal

  1. Inspect the ductwork

There is no sign of roof leak when the mold forms on the ceiling located under the duct. An improper insulated ductwork leads to the mold. You have to properly insulate the basement rim joists and make certain sealed joints between duct sections.

  1. Use mold test kit 

Sometimes, you may get confused with dirt and mold in your property. You can use the mold test kit and detect the mold presence. Once you have ensured the mold presence, you have to remove it safely and quickly.

  1. Use an antimicrobial spray  

It is the right time to use the antimicrobial spray once the moisture is dried up and you have cleaned the area. You can use the concrobium mold control method and get the best benefits as expected.

  1. Use mold-resistant building materials 

You can use the best-in-class building materials with the mold-resistant nature whenever you construct a new building or alter your existing building. This is worthwhile to construct walls with the pressure-treated wood and also the rigid insulating.

  1. Use paint with mildewcide 

Spray the surfaces where mold might grow with an antimicrobial treatment. You can paint your walls with the mildew-resistant primer and add mildewcide to your paint. 

  1. Do not let missing insulation  

Warm air requires gaps in insulation and hits cold surfaces to create and feed the mold. You have to clean such mold and lower indoor humidity by using a vent fat or a dehumidifier. 

  1. Throw bathtub mold away

You can spray the wall with an antimicrobial treatment and properly seal the grout by using the two coats of the grout sealant.

South End Plumbers Help Charlotte Locals

South End Plumbing NC Welcomes You

When you are searching for a plumber, Charlotte NC has more than a few to choose from. However, if you are seeking a Charlotte   Plumber who puts you and your satisfaction as the highest priority, you need to look no further than South End Plumbing Inc.

Image result for plumber

We can guarantee your satisfaction with the work we do for you by providing outstanding plumbing service on all jobs large and small, both residential and commercial. It is by combining this outstanding plumbing service with superior customer service that we set ourselves apart from the others.

At South End Plumbing Inc. we never take advantage of our customers who may not be familiar with the cost of plumbing. We will always provide you with an accurate assessment of the work that needs to be done to correct the issue without adding any undue charges. You’ll always receive the highest quality work at the fairest price.

When it comes to finding exceptional quality neighborhood plumbers, South End Charlotte North Carolina offers the best service available with Schaffer Plumbing Inc. Call us today for a FREE Estimate.

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Same Day & 24/7 Emergency Plumbers Charlotte North Carolina

Licensed North Carolina Plumbers

There are many reasons that a drain could stop draining properly or stop draining at all. When you are faced with this problem it is extremely frustrating and can usually be fixed quickly and inexpensively.

The first thing you should do when trying to determine the cause of the problem with your drain is to check to see if it is just one drain or all drains. If it is all the drains and toilets then it could be a sign of a more serious septic issue and a professional should be consulted right away before there is a major malfunction or system back-up.

If on the other hand it is just one specific drain or one or two drains that are frequently used it is more likely that it is a clog or buildup of iron or soap scum in the pipes. The best thing to do is to try the mass market drain cleaning liquids or snaking devices that can be found and most local superstores or hardware stores. A plunger is also another great option you can try before calling in a professional.

If you have tried all of these methods and you still suffer from a slow drain then please call South End Plumbing today.

We are insured-bonded-licensed with the best trained professional plumbers Charlotte NC has to offer. A few of the services we offer are:

Drain Cleaning/Snaking-Clogs • Water Heaters – Any Size • Expansion Tanks • Tankless Water Heaters • Water Softeners & Filters • Insta-Hots • Water Lines/Water Pressure • Gas Lines/Gas Pressure Tests • Underground Line Locating • Slab Leak Detection & Repair • Kitchen/Bathroom Fixtures • Garbage Disposals • Toilets • Bath Tubs – Any Size • Sump Pumps • Sewage Ejection Systems • Sewer Mains & Back-Up’s • Septic Systems and much more.

This is only a short list of the services we can provide if you do not see the service you are looking for call today and we will be happy to talk about your plumbing needs.

 

SEO Status Digital Local Business In Charlotte NC

Charlotte Local SEO

Are you struggling to get your website on the 1st page of Google and the other search engines? If so, you are in the right place. We can help you develop an effective online marketing strategy designed to help you increase visibility to your website, traffic to your store and increased sales. SEO Status Digital

Did you know that 54% of Americans have substituted the Yellow Pages with the Internet and local search? What does this mean? Simply put, this means that the Yellow Pages is rapidly declining, and consumers are finding easier ways like the Internet to find out more information about your business before they make a purchase. It’s no secret that Yellow Pages are out, and Google Maps and local search is in.

Why should you have a Charlotte Local SEO strategy?

By having a local marketing strategy in place, you can get listed on the 1st page of Google and increase traffic within a matter of days. Did you know that 70% of all mobile search results in action within an hour of viewing your listing online? This means your customers actually call your store, visit your actual location, or actually make a purchase. So, if you don’t have a local online marketing strategy in place, you’re missing out on hundreds of potential customers ready to do business with you.

Discover the benefits of having a Charlotte Local SEO Strategy

1. Cost-Effective- Compared to other mediums, local SEO is relatively inexpensive. Yellow pages advertisements, magazine advertisements, and PPC campaigns can literally cost you thousands of dollars a month with little to no return on investment. While Local SEO may cost you a few hundred dollars a month with a higher return on investment.

2. Increased Traffic- Over 90% of mobile users look for information while they are on the go. Chances are when they type your business keywords into Google; they will be on their way into your store to make a purchase.

3. Time- When you deploy other marketing methods, it can take 3 months up to a year to see great results. When you implement a local online marketing strategy, you can see results within a matter of days.

4. Outrank Competition- Most of your competition is too busy dabbling in Social Media and other “shiny” online marketing tactics to worry about local SEO. While Social Media and other online marketing methods are great, it’s very likely they won’t get you immediate in-store traffic as local SEO can. So let your competition play, while you increase your search engine positioning with local SEO.

What are some important factors of an effective Charlotte Local SEO?

You know the benefits of local online marketing, but you still may be wondering: What is local SEO? Simply put, Local SEO also known as local search marketing is positioning your business in a way to be found online by local consumers. The strategies implemented in a local SEO campaign include but are not limited to:

• Local keyword research

• Claiming & optimizing your Google Maps profile

• Citations

• Reviews

Other important factors of a successful local online marketing strategy include:

• Age of your domain

• Site size

• Relevant links

• PageRank

Whether you are a local business with an in-store location, or you’re operating from your home, a local online marketing strategy will set you apart from your competition. If you want to capitalize on the growing trend of internet consumers, throw your phone book away and start implementing an effective local online marketing strategy today. Times are changing and if you don’t adapt to the current trends, you will be left behind with no traffic, no customers, and no sales. Don’t let that happen to you. Give us a call now to learn more about how we can help you with your online marketing strategy today!

Evergreen Charlotte NC Get Finance On Your Roof

Get Quick & Easy Finance ON Your Roof In Charlotte Today

Are you looking for a roofing NC Charlotte contractor? if so make sure you come to the experts at Evergreen Roofing Specialists Charlotte NC Limited. We are qualified in all areas of roofing and are approved contractors for Fatra and Armouplan Single-ply, Iko Permatec hot melt systems Iko and Icopal liquid roof coverings, Iko and Icopal built up felt roofing systems, Redland roof tiles, and SIGA roof slates. If you can not afford your roof with 100% payment up front that is ok we can help you get a loan.

We have a large qualified workforce, all our Operatives are fully trained and hold CSCS cards. We have an exceptional safety record, we carry out risk assessments and method statements for all our contracts and we are members of CHAS and Constructionline. We work with main contractors and on domestic properties.

Risk-Free Roofing

Evergreen Roofing Specialists Limited has been trading for more than 20 years and is continually growing every year. Our highly skilled and time-honored staff at Evergreen Roofing Specialists Limited devote their personal attention to every customer and our workmanship is backed up by a full guarantee and we are fully insured.

We are members of the National Federation of Roofing Contractors, Competent Roofer, CHAS, Constructionline, and the Independent Roof Training Group.

We guarantee full compliance with all current health and safety legislation. We have a detailed health and safety policy, experienced staff and prepare an in-depth risk assessment and method statement for every project.

Experience working to a strict health and safety policy and a good working knowledge of personal responsibilities and best health and safety practice on building sites greatly enhances our safety policy.

We pride ourselves on being a forward thinking company. We are pro-active with health and safety, our Operatives have CSCS cards. We are proud to have been working with Bovis at a site in Selby which has won the NHBC Pride In The Job Award. Because of all of these things we maintain an exceptional safety record.

Our Roofers At Evergreen Will Work Hard On Your Project

We have approved installers for Armourplan single ply roof coverings, Fatra single ply roof coverings, Iko Permatec hot melt, Iko, and Icopal liquid roof coverings, Iko and Icopal built up felt roofing systems, Redland roof tiles. We work for Principal contractors such as Kier Sheffield, Bam Construction, Gleeson Homes, Vinci Construction, Willmott Dixon and Henry Boot.

Our Services

  • Pitched Roofing
  • Flat Roofing
  • Leadwork
  • Fascia Gutter and Soffit
  • Natural slating
  • Single ply
  • Lead parapets
  • Black / White / Woodgrain fascias
  • Random natural slating
  • Felt roofing
  • Lead center valley gutters
  • Black / White / Woodgrain soffits
  • Cement fiber slating
  • Hot Melt
  • Bay tops and canopies
  • Cladding boards
  • Concrete and clay tiling
  • Liquid applied roofing
  • Domes and Cupolas
  • Seamless guttering
  • Clay Pantiling
  • Green roofs systems
  • Lead pipes
  • PVC guttering
  • Plain clay tiling
  • Decorative hoppers
  • Cast iron guttering
  • Natural stone slating

HVAC Cerification & Training In Charlotte NC

The Training Process of HVAC In Charlotte

HVAC Certification in Charlotte NC visit www.myairtoday.com for any Charlotte NC questions
It’s not be required for every person who works in the heating and air industry to become heating, ventilation and air conditioning (HVAC) certified, but it is required if you want to become an HVAC technician or mechanic. Technicians typically specialize in installing or repairing units, even though they are trained to do both. Some technicians also specialize in specific types of equipment, like solar panels or hydroponics. In addition to heating, vents and air conditioning units, people with HVAC certification are qualified to work in the refrigeration field, and can even specialize in large-scale projects like commercial refrigeration units. In order to become a certified HVAC technician, you need to attend classes and then pass a state-mandated certification test.

Benefits of HVAC Certification

Obtaining your HVAC certification has numerous benefits. Not only does the certification entitle you to a bigger paycheck, but it enables you to specialize in specific areas of the industry. While those looking to specialize in the heating aspects of the industry only need to obtain their HVAC certification, those looking to specialize in air conditioning and refrigeration need to also obtain their EPA certification. If you’re planning on starting your own business, obtaining the certification benefits you immensely because customers often turn to contractors who are certified before they will hire someone who doesn’t have an HVAC certification.

HVAC Certification Requirements In North Carolina

HVAC technicians at My Air Today are required to complete HVAC training. Classes typically range from six months to two years, depending on how in-depth the course you choose is. Most states require HVAC technicians to be certified or licensed. In order to get your certification, you need to take and pass the state exam, once your classes are complete. There are two agencies that offer national certifications, North American Technicians Excellence (NATE), and the Environmental Protection Agency (EPA). The EPA offers CFC certifications that range from working on small appliances, low-pressure appliances and medium to very high-pressure appliances as well as the national certification. There is no uniform certification for HVAC within the United States but many companies know about and recognize NATE as well as the EPA.

Everyone attending HVAC certification classes is trained in all areas of the business; however, many people choose to specialize in one area of the industry so that it’s easier to market their skills. Not only is it easier to market your skills as a specialist, but customers tend to trust a specialist more than they do someone who simply obtains general knowledge of the industry. Numerous areas of expertise are available. They range from the type of appliances (large or small) to the type of appliances (heating, air or refrigeration.) Some techs also specialize in installing or repairing solar panels or other alternative heating sources.

Salary Ranges
The average HVAC salary is $45,000. However, HVAC salaries vary by company, industry, experience, location and benefits. The salary also will change if you work in a specialized field. For example, an HVAC installer may only make $24,000 where an HVAC engineer averages $60,000 a year.

HVAC Certification Costs In Charlotte

The cost for HVAC certification varies depending on the training program you take. It also depends on which exam you take and your state’s licensing fees. You will want to contact a training school in your area or visit a website to determine the costs. The average range for the state exam fee ranges between $60.00 to $120.00, but could be more or less in the state you live in.

Air Today LLC – England St
8100 England St
Charlotte, NC 28273
Phone: (704) 553-9884
License # U15729 NC, 6830 NC,
M11606 HVAC, NC

State Regulations
Every state has its own regulations for HVAC certification. You will need to check with your local and state electrical board to see what the requirements are for the HVAC certification in your area. There are some states that don’t require certification. Other states have local certification and not state certification. Some states may have licenses along with the HVAC certifications. Any HVAC technician that works with refrigerants has to take special testing for a license in refrigeration specialization. You will want to familiarize yourself with your state’s regulations before you begin school to become an HVAC technician. That way you can ensure that you are taking the right courses and not wasting your time or money.

Where to get your HVAC training

There are many trade schools and tech schools that offer training for HVAC. You need to make sure the school is accredited before you begin classes. Most programs take six months to one year to complete. Once you complete the classes you are ready to take the state certification test. Once you have completed your training you must then complete an apprenticeship. An apprenticeship program may take up to four years to complete. There are some unions or organizations like the Plumbing-Heating-Cooling Contractors (PHCC) or the Air Conditioning Contractors of America that sponsor apprenticeship programs. These programs combine the classroom work with the field training. There are also some online schools that offer HVAC training. The online schools are cheaper than many of the tech or trade schools. Most of your training will happen on the job but you still need the schooling to be able to pass the certification test.

Secured Debts such as houses and cars

Secured Debts such as houses and cars

Bankruptcy usually does not wipe out or extinguish liens, such as mortgages, deeds of trust, or tax liens. That means if you want to keep your house or car you have to keep paying. Remember that creditors want your money not your house or car.

If you still owe money on your car, you can choose to reaffirm the debt to the secured lender. Under Federal Bankruptcy law, you must reaffirm your car loan within 45 days after your typical single Court appearance or “341 bankruptcy meeting.” Under the “new bankruptcy law” you no longer have the option of continuing your car payments without reaffirming the loan. Once the loan is reaffirmed, if you default on your payments and the car is repossessed, you are liable for the repossession deficiency. That being said many creditors not named “Ford Motor Credit” still allow debtors to keep a car without reaffirming.

Redemption is another option to keep secured property by allowing debtors within 45 days of the “341 meeting” to purchase it from the secured creditor in a single payment for its present value.

North Carolina is located in the Federal 4th Circuit which does not require reaffirmation for a house. That means a Chapter 7 bankruptcy will discharge the debt on a house, but not the lien. Translation: If you want to keep your house keep paying, but if at some point in the future you decide to move or walk away you can without fear of being sued for a deficiency balance.

We hope the information provided on this site has been helpful, but bankruptcy law is complex and confuses even non-bankruptcy attorneys. Another complication is bankruptcy is different for everyone depending on what you own and what you owe. There is no substitute for meeting face to face with a qualified bankruptcy lawyer best able to explain all your options. Federal Law requires you be given the mandatory “bankruptcy disclaimer” at this meeting before individual advice may be given. Please call our office at (704) 493-6851 or email using the Quick Contact form on this page for a free bankruptcy consultation.

Bankruptcy Attorneys Charlotte

Bankruptcy Attorneys Charlotte

North Carolina Bankruptcy Law

Bankruptcy relief is based upon Federal Law, although North Carolina law also comes into play. Most importantly are North Carolina Bankruptcy Exemptions that determine what property you may keep. One of many bankruptcy myths is the bankruptcy trustee will take your house or car. That rarely happens!

Another important state law issue is the North Carolina median income numbers representing the starting point of the bankruptcy means test analysis. The bankruptcy means test is used to determine whether an individual qualifies for Chapter 7 vs. Chapter 13 bankruptcy. If you happen to make more than the median income numbers do not assume you fail the means test and can’t file Chapter 7. There are many deductions that help you qualify such as a mortgage, car payment, childcare, charity giving, health insurance, support giving to older parents, and taxes. Also- if the majority of your debts are “business debts” Congress has decided the means test requirement will be waived.

At Witt Law, P.A. a Charlotte lawyer will meet with you for a free bankruptcy consultation including means test analysis. Another benefit we provide is an eye towards bankruptcy avoidance via debt settlement. The last thing a collection agency or collection department wants to hear is a call from a bankruptcy attorney saying they must either compromise or risk getting zero in bankruptcy.