Consumer Bankruptcy

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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