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(21)Since 1991, Jeffrey G. Dalrymple, PA has handled a variety of legal matters including bankruptcy law, family law, estate planning, business law, personal injury matters, and real estate transactions. The practice is based in Matthews and provides services to surrounding areas. Attorney Jeffrey Dalrymple earned his license to practice law in North Carolina in 1989.
Collier Law Firm is a bankruptcy law firm that serves individuals in the Charlotte area and the surrounding communities. The firm's founder, Christina M. Collier, has been practicing law since 2001. She is admitted to practice in the Western and Middle District of NC Bankruptcy Court. The firm's areas of specialization are chapters 7 and 13 bankruptcy. Its bankruptcy attorneys focus on helping clients get their lives back on track. It represents clients in Mecklenburg, Catawba, Lincoln, Gaston, Iredell, and Cabarrus.
Dickie, McCamey Attorneys at Law provides legal representation through the law firm's team of lawyers, which includes creditor's rights and bankruptcy attorneys. With more than 100 years of experience, the firm has several offices all over the country. In the North Carolina area, they have offices in Charlotte and Raleigh. The lawyers at the Charlotte office focus on several practice areas, which include worker's compensation, mass tort litigation, bankruptcy, and commercial law.
Founded in 2011, Moon Wright & Houston is a private bankruptcy practice that serves individuals, families, and businesses in Charlotte and the surrounding areas. Its attorneys provide legal representation for personal reorganization and liquidation bankruptcies. It also reviews asset sales, loan proposals, domestic agreements, and corporate merger plans for bankruptcy filings. In addition, the firm represents court-appointed trustees and creditor committees. Partner Richard S. Wright is a member of the North Carolina Bar Association, Bankruptcy Council.
Pearce Law PLLC assists Charlotte residents in navigating complex bankruptcy problems and commercial litigation. The law firm represents business owners, individuals, and investors in debtor-creditor and bankruptcy cases. Brad Pearce designs and implements legal tools to help clients deal with lawsuits while they undergo relief from financial distress. He has been in practice since 1991 and is a senior fellow of the Litigation Counsel of America. Prior to law school, he served as a navy officer.
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The main office of the Bankruptcy Courts for Charlotte and North Carolina’s western district is: U.S. Bankruptcy Court Western District of North Carolina 401 West Trade Street, Suite 2500 Charlotte, NC 28202
Its mailing address is at: PO Box 34189 Charlotte, NC 28234-4189.
Its phone and fax numbers are 704-350-7500 and (704) 350-7503, respectively.
The bankruptcy forms for Charlotte can be found here: https://www.uscourts.gov/forms/bankruptcy-forms.
Some exemptions that Charlotte and North Carolina debtors regularly use include: -Homestead exemption for personal and real residential properties up to 35,000 dollars (60,000 dollars for certain seniors); -Motor vehicle exemption up to 3,500 dollars for one vehicle; -Household goods exemption up to 5,000 dollars for household items, animals, musical instruments, and crops; -Wildcard exemption for any property up to 5,000 dollars. The purchase of vehicles, household goods, and wildcard properties should have occurred over 90 days before filing for bankruptcy.
Charlotte individuals are qualified to file for a Chapter 7 bankruptcy if they did not have such a bankruptcy discharge in the last eight years, have low income, and have essentially non-consumer debts. The eligibility guidelines for who have a “low income” are the following: -One in a household: 48,722 dollars; -Two in a household: 62,050 dollars; -Three in a household: 69,102 dollars; -Four in a household: 87,505 dollars.
No specific debt amount is required for Charlotte residents to file a Chapter 7 bankruptcy. Most of it should be consumer debt and pass the so-called “means test,” which looks at income, unsecured and secured debts, and household expenses to determine if the debtor has the "means" to pay some debts within a Chapter 13 bankruptcy case. If the majority of debts are "non-consumer," Chapter 7 eligibility is not connected to one's household income.
After filing a Charlotte Chapter 7 bankruptcy case, one of six rotating trustees handles the case review. Usually, trustees ask for copies of paperwork such as bank statements, tax returns, driver’s licenses, and social security cards. Afterward, the creditor meeting is scheduled approximately on a Wednesday, 30 days after filing. In this meeting, assets and debts are discussed. Discharge of eligible debts occurs within four months after filing.
A Charlotte Chapter 13 bankruptcy requires a Plan Summary of monthly payments and treatment of creditors. Among the paperwork they need are driver's licenses, tax returns, social security cards, bank statements, pay stubs, and domestic support documents. The creditor meeting happens near the South Park Mall at the Charlotte Chapter 13 office. Initial payment should have been made before this meeting. Furthermore, debt discharge occurs three to five years after all payments have been made.
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