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Erich M. Fabricius
Works at Fabricius & Fabricius PLLC
Attended University of North Carolina at Chapel Hill
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Erich M. Fabricius

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The means test can be a pain, but it doesn't matter when debts aren't primarily consumer debts. 
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Erich M. Fabricius

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When a household budget includes a high-interest car loan, chapter 13 bankruptcy can be a surprisingly affordable way to obtain debt relief.
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On this map, I compare 2013 bankruptcy filers per capita on a per-county basis. It's interesting to observe that some counties have a rate up to 7 times higher than those with the fewest filings, at least in respect to cases filed within the 3 judicial districts of North Carolina.
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An interesting post by Bob Lawless about Bitcoin. Most people thing of the question of what is currency as a national-level decision. But state law, such as the UCC defines important characteristics of how "money" moves in commerce. 
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Sometimes, I see a misconception that having an above average income means bankruptcy can't help with debts. Here, I discuss what affect being above median income has on bankruptcy options.
Being above median income in bankruptcy changes the rules, but bankruptcy debt relief can still be available.
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Under the current rules, there's a long period to file claims in a chapter 13 bankruptcy case. I observe that about a 1/3 of claims are filed in the first 30 days of a case, and many are filed close to the claims bar date.
Discussion of the timeline for creditors filing proofs of claim in a chapter 13 bankruptcy.
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Erich M. Fabricius

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Owning a small business doesn't mean you can't seek personal bankruptcy relief. It does mean you need to carefully consider how the business is going to be impacted by the bankruptcy filing.
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This is a good perspective on student loan lawsuits, and even more true when in a state like NC that doesn't have general wage garnishment for judgments.
 
If you are behind on private student loans, being sued may be the best thing to happen. And not just because I'm a "glass is half-full" kind of guy.

Here's why: http://www.consumerhelpcentral.com/student-loan-lawsuit-good-news/
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An unfortunately typical story.
 
Before she came to see me about #bankruptcy, Jennifer tried to settle her debts with #FreedomDebtRelief.  Freedom Debt Relief "settled" one of her accounts.  They settled her $26,094.61 credit union account for $26,094.61.  (That's right, they "settled" her account for exactly what she owed.  They did, to be fair, work out a payment plan.)

For that good work, they awarded themselves a fee of $5,479.87.

All that's in line with their contract.  Freedom Debt Relief gets a fee of 21%--not 21% of what they save you--21% of the total debt.  So if they reduce your $10,000 debt by one dollar, Freedom Debt Relief charges a fee of $2100.

All that is spelled out in their contract.  That's a rip-off, but all they promise is to settle some of your debts for something "less than you owe."  Knocking down a total debt of $50,000 to $49,999 means they've kept their promise--and earned $10,500 doing it.

Here's my promise.  For most people, filing bankruptcy is a better deal than Freedom Debt Relief.
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For a state that doesn't have wage garnishment, I see a surprising number of people who have a creditor from a past state with a garnishment threatened or pending. Getting money back from the garnishment is often a real option.
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I discuss the endgame for North Carolina judgments. When I meet with prospective clients wrestling with what to do about a judgment, I frequently talk about what will happen to that judgment in the long-term, and how that might influence their decisions today.
There's only so many ways a judgment dies in the end. This post discusses 4 endings to the life of a judgment in North Carolina.
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A brief discussion of the initially unintuitive idea of a debtor filing a claim of his or her own creditor in a bankruptcy case.
The bankruptcy code provides an important opportunity for debtors to ensure they aren't harmed by failure of a creditor to file a claim.
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Have him in circles
476 people
Stephanie Kelly's profile photo
Nick Kosmas's profile photo
Richard Shea's profile photo
Gert Loubser's profile photo
David Freidberg's profile photo
Saied abu's profile photo
Cathy Moran's profile photo
Dennis Donnelly's profile photo
Brooke McIlvain's profile photo
Work
Occupation
Attorney
Employment
  • Fabricius & Fabricius PLLC
    Attorney, 2011 - present
  • United States Bankruptcy Court
    Law Clerk to the Honorable William L. Stocks, 2009 - 2011
Basic Information
Gender
Male
Other names
Erich Fabricius
Story
Tagline
Need Help With Debt? Bankruptcy Relief, Bankruptcy Litigation & Debt Defense.
Introduction
Erich Fabricius is an attorney licensed in North Carolina, located in Knightdale on the east side of Raleigh, NC.

Much of Erich's practice involves assisting individuals who are considering or have decided to seek bankruptcy relief in North Carolina. He is also available to represent other parties in bankruptcy cases and proceedings. He also represents people in state court debt litigation, including post-judgment collections defense. His firm has the ability to help individuals and small businesses with a range of ordinary and unusual legal matters.
Education
  • University of North Carolina at Chapel Hill
    J.D. with Honors, 2006 - 2009
  • North Carolina State University
    M.Econ., 2004 - 2006
  • North Carolina State University
    Chemical Engineering & Economics, 1999 - 2004
Erich M. Fabricius's +1's are the things they like, agree with, or want to recommend.
Should I be concerned that I am above median income?
www.eastwakebankruptcy.com

Being above median income in bankruptcy changes the rules, but bankruptcy debt relief can still be available.

Four Endings for a North Carolina Judgment
www.fabriciuslaw.com

There's only so many ways a judgment dies in the end. This post discusses 4 endings to the life of a judgment in North Carolina.

When are Chapter 13 Claims Filed?
www.eastwakebankruptcy.com

Discussion of the timeline for creditors filing proofs of claim in a chapter 13 bankruptcy.

Can Chapter 7 Stop a Foreclosure?
www.eastwakebankruptcy.com

Chapter 7 bankruptcy halts the foreclosure process, but usually only temporarily and doesn't provide a mechanism to undo mortgage default.

Century Station, Home of the Raleigh Bankruptcy Court
www.fabriciuslaw.com

Raleigh's Century Station Post Office and Federal Building. Century Station is home of the United States Bankruptcy Court for the Eastern Di

When in the NC foreclosure process does one file Chapter 13 Bankruptcy?
www.eastwakebankruptcy.com

Chapter 13 can be filed anytime from the start to finish of a NC foreclosure. Post describes the foreclosure process.

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Finding the Right Bankruptcy Lawyer
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New Job--Time to File for Bankruptcy?
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Sometimes a new job and a bankruptcy can go hand-and-hand in restarting one's financial life.

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Fabricius & Fabricius PLLC, Attorneys-at-Law
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Risks in Chapter 13 Installment Filing Fees
www.eastwakebankruptcy.com

Paying the court filing fee in installments can be helpful to a bankruptcy debtor. However, care is merited in chapter 13 cases.

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Had peppermint oil, which I was having trouble finding. Staff was helpful, even when I called moments before closing time.
Quality: ExcellentAppeal: ExcellentService: Excellent
Public - 3 years ago
reviewed 3 years ago
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