Consumer Bankruptcy
SUCCESS FOR OUR CLIENTS SINCE 1976

Discuss Your Options With a North Carolina Bankruptcy Attorney
For many individuals who are faced with overwhelming amounts of debt, bankruptcy is a viable option that can provide effective debt relief while stopping creditor harassment and halting foreclosure and repossession actions. There are two forms of bankruptcy for individuals in North Carolina:

Chapter 7 Bankruptcy – commonly referred to as a “liquidation” bankruptcy – which allows a person to discharge credit card and other debt and become debt free once the process is over

Chapter 13 Bankruptcy – allows a person in debt to create a repayment plan for a three- to five-year period after which the remaining debt will be discharged

At the law firm of Ferguson, Hayes, Hawkins & DeMay, PLLC, in Concord, we can help you determine which form of bankruptcy is your best option for debt relief. Once that decision is made, we will guide you through the bankruptcy process, help you avoid common mistakes and give you a fresh start to your financial future.

Explore Debt Relief Solutions With a Concord Chapter 7 Bankruptcy Attorney
Both Chapter 7 and Chapter 13 bankruptcy allow a person to discharge:

  • Credit card debt, including store cards
  • Payday loans
  • Personal loans
  • Deficient balances on cars and other property
  • Medical bills

Certain types of debts cannot be discharged in bankruptcy – such as student loans, child support and some tax debts – and not every person will qualify for Chapter 7 bankruptcy based upon his or her income. Our experienced attorneys, including bankruptcy trustee Ed Ferguson, will review your situation and advise you about sensible and effective options for eliminating your debt.

Get a head start on filing your bankruptcy. Download and read our bankruptcy booklet and notices. You may also download our bankruptcy worksheet and complete it prior to calling our firm.

Chapter 7 and Chapter 13 Bankruptcy in North Carolina
Learn more about Chapter 7 and Chapter 13 bankruptcy and what option makes sense for your situation. Contact our Concord office and schedule an appointment for an initial consultation. Call us locally at 704-788-3211.

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We strive to give our clients peace of mind in their legal representation.
Contact our Concord office and schedule an appointment for an initial consultation. Call us locally at 704-788-3211.

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WE ARE OPEN!

The Covid-19 Virus has presented our community with a new and unprecedented challenge. 

 

We have been receiving numerous calls from existing and new clients regarding an array of legal matters and concerns.  These issues including routine legal affairs such as real estate transactions, contracts, and civil litigation.  We are also assisting with more pandemic specific concerns such as creating new Wills, Powers of Attorney and Health Care Directives.  Other callers have questions about Debt Relief, Bankruptcy, and Foreclosure Prevention. 

 

Pursuant the Cabarrus County Emergency Stay at Home Proclamation, Legal Services are identified as an Essential Business function.  We are available for office consultation by appointment.  To help ensure the safety of our staff and clients we adhering to numerous recommended precautions such as: limiting appointments to decrease volume; moving clients immediately into private rooms and limited room capacity; sanitizing  hard surfaces after each meeting; single using or sanitizing pens; and providing multiple hand sanitization options. 

 

We are also available through numerous video conference programs such as Zoom; GoToMeeting, Amazon Chime; Skype and others. 

 

If you need help, or have legal questions, contact us online to request an appointment or call 704-788-3211 

WE ARE OPEN!

The Covid-19 Virus has presented our community with a new and unprecedented challenge. 

 

We have been receiving numerous calls from existing and new clients regarding an array of legal matters and concerns.  These issues including routine legal affairs such as real estate transactions, contracts, and civil litigation.  We are also assisting with more pandemic specific concerns such as creating new Wills, Powers of Attorney and Health Care Directives.  Other callers have questions about Debt Relief, Bankruptcy, and Foreclosure Prevention. 

 

Pursuant the Cabarrus County Emergency Stay at Home Proclamation, Legal Services are identified as an Essential Business function.  We are available for office consultation by appointment.  To help ensure the safety of our staff and clients we adhering to numerous recommended precautions such as: limiting appointments to decrease volume; moving clients immediately into private rooms and limited room capacity; sanitizing  hard surfaces after each meeting; single using or sanitizing pens; and providing multiple hand sanitization options. 

 

We are also available through numerous video conference programs such as Zoom; GoToMeeting, Amazon Chime; Skype and others. 

 

If you need help, or have legal questions, contact us online to request an appointment or call 704-788-3211