In the fifth episode of Orcutt Answers, our host Shawn Orcutt is joined by Koury, an Associate Attorney at the Law Offices of John T. Orcutt, who has devoted his career to bankruptcy law since 2008.

This episode breaks down the key differences between Chapter 13 and Chapter 7 bankruptcy, including which is more applicable in different scenarios.

In the fourth episode of Orcutt Answers, our host Shawn Orcutt welcomes Rodney Debro, a Mortgage Loan Officer at AmCorp Mortgage, to discuss the steps for refinancing or purchasing a new mortgage while in an active bankruptcy case.

This episode offers key steps to take such as obtaining a secure credit card, becoming an authorized user, and providing proof of payment to help a client re-establish credit. By following through on these steps, Rodney describes how mortgage loan officers can help clients realize refinancing goals.

Filing for bankruptcy may seem daunting — but a professional can help. Outcomes vary state to state and depend on what the individual’s actual debt picture looks like. There are vast differences between filing a Chapter 13 or a Chapter 7, and thresholds to qualify for each one vary.

In the third episode of Orcutt Answers, our host Shawn Orcutt welcomes Matthew, an associate at The Law Offices of John T. Orcutt, to explain the differences between filing a Chapter 13 and a Chapter 7, the role of a trustee and the general process for each type of filing. Matthew also talks about how not all debts are dischargeable, such as student loans or taxes (at least, for a certain amount of time).

In the second episode of Orcutt Answers, our host Shawn Orcutt welcomes Ed, a partner at The Law Offices of John T. Orcutt and Vice President of the National Association of Consumer Bankruptcy Attorneys, to discuss what’s happening with mortgages in the era of COVID-19, the mortgage outlook for 2021 and your options for saving your home from foreclosure, the latter of which now includes a program known as Loan Modification Management (LMM).

The episode also offers advice for what to look for in a lawyer and insight for people struggling to cover rent, student loan, and car payments during the pandemic.

In the premiere episode of Orcutt Answers, our host Shawn Orcutt welcomes John, Founder and Partner at The Law Offices of John T. Orcutt, to discuss the power of bankruptcy, how bankruptcy erases debt, how bankruptcy laws can override other laws, and the biggest mistakes he and his colleagues see from people trying to get rid of debt. They also discuss how filing for bankruptcy functions as a restraining order against creditors and how people can get answers faster.

Financial problems can be stressful, exhausting, and embarrassing. At the Law Offices of John T. Orcutt, we’ve been practicing Bankruptcy law in Raleigh, North Carolina for more than 30 years. We’ve seen it all and we’re here to guide you through this uncertain time. Tune in as we walk you through the Bankruptcy process, the myths, the misconceptions, the secrets, and answer your questions that have been keeping you up at night.

In each episode, our experienced debt relief lawyers provide guidance surrounding financial matters including, debt, credit, credit scores, personal finance, financial planning, Title 11, Chapter 7, Chapter 13. Ready to put this chapter of your life behind you? Let’s get fresh started.