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Best Bankruptcy Attorneys in Cary

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Berggren Law Offices, PLLC logo
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Berggren Law Offices, PLLC

4000 Blue Ridge Road, Raleigh, NC 27612
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Berggren Law Offices, PLLC, is a bankruptcy law firm representing clients in Cary, Raleigh, Apex, and the surrounding areas in North Carolina. Founding lawyer William G. Berggren has 30 years of experience assisting families and individuals obtain debt relief. He helps clients understand how to deal with debt through different financial options such as chapter 7, chapter 11, and chapter 13 bankruptcies. He also assists clients in filing bankruptcy cases to court whenever necessary.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (32)
Avvo
5.0 / 5 (21)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Bradford Law Offices, PLLC logo
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Bradford Law Offices, PLLC

455 Swiftside Dr, Raleigh, NC 27518
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Bradford Law Offices, PLLC provides the expert advice of bankruptcy attorney Danny Bradford to clients in Cary, Raleigh, and the rest of North Carolina. Established in 1996, the firm concentrates on providing debt relief to individuals and businesses by filing for chapter 7, 11, and 13 bankruptcies. The cases it handles include consumer bankruptcy, business bankruptcy, and tax debt resolution. The firm aims to help clients eliminate their debts or have a payment plan and protect their assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (17)
Facebook
5.0 / 5 (4)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Janvier Law Firm, PLLC logo
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Janvier Law Firm, PLLC

311 East Edenton Street, Raleigh, NC 27601
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Janvier Law Firm, PLLC, is a bankruptcy law firm representing clients in Cary, Raleigh, Wilmington, and the rest of North Carolina. It focuses on bankruptcy matters such as chapter 7, chapter 11, and chapter 13 bankruptcies, creditor representation, and bankruptcy litigation. The firm has over 40 years of experience in providing bankruptcy solutions to individuals families and businesses. Founder William “Bill” P. Janvier was the former Chairman of the Bankruptcy Section of the North Carolina Bar Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (17)
Facebook
5.0 / 5 (2)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Law Office of Derek R. Caldwell, P.A. logo
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Law Office of Derek R. Caldwell, P.A.

4801 Glenwood Avenue, Raleigh, NC 27612
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  • Chapter 7 Bankruptcy

Business Description

The Law Office of Derek R. Caldwell, P.A., is a firm that caters to individuals residing in Cary undergoing receivership proceedings. It provides counsel in chapters 7 and 13 insolvency processes. The office also assists during debt relief negotiations. Derek Caldwell has been practicing bankruptcy law since 2001. Since opening his independent practice in 2002, he's mostly represented debtors in default. As a civil litigator, he still handles some business collection or contract dispute issues.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Nicholls & Crampton, P.A. logo
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Nicholls & Crampton, P.A.

3700 Glenwood Avenue, Raleigh, NC 27612
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Nicholls & Crampton, P.A., has been providing legal expertise to Cary and nearby areas for over 40 years. The firm has a range of practice areas including bankruptcy or debtor-creditor relationships, eminent domain and land condemnation, business law and transactions, real estate, commercial litigation and disputes, land use law, and estate planning. Its lead bankruptcy lawyers are certified as bankruptcy specialists by the state's Board of Specialization. It handles chapter 7 and 11 filings for debtors, as well as creditor's rights.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sasser Law Firm logo
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Sasser Law Firm

2000 Regency Parkway, Cary, NC 27518
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Sasser Law Firm provides debt relief solutions to individuals and businesses facing financial difficulties. The Cary-based bankruptcy law firm has been handling chapters 7, 11, and 13 cases for more than two decades. Its bankruptcy attorneys represent clients in litigations involving a broad range of disputes, such as tax liabilities, automatic stay violations, avoidance actions, stay relief motions, and abusive chapter 7 filings. They also take care of the initial consultation, strategy creation, and preparation of paperwork.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.4 / 5 (23)
Avvo
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Venters Law Offices logo
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Venters Law Offices

434 Fayetteville Street, Raleigh, NC 27601
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Venters Law Offices practices in various areas including bankruptcy law. Headed by bankruptcy attorney Chris Venters, the legal firm helps clients who receive threats of home foreclosure, wage garnishment, creditor harassment, and vehicle repossession. Venters provides assistance in filing chapter 7 bankruptcy and chapter 13 bankruptcy. The lawyer provides personalized legal solutions by evaluating clients' individual financial situations and needs. Venters has been in practice since 2013. His other practice areas include civil litigation and criminal defense.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Avvo
4.5 / 5 (15)
Google
3.0 / 5 (2)
Yelp
1.0 / 5 (1)
Weik Law Office logo
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Weik Law Office

812 Salem Woods Drive, Raleigh, NC 27615
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Weik Law Office is a bankruptcy law firm near Cary focusing on Chapter 7 and 13 cases. In its two decades of service, it has represented clients in more than 15,000 Chapters 7 and 13 filings. Through these consumer bankruptcy options, the attorneys at this firm help clients eliminate some of their debts, including medical bills, credit card debts, and personal loans. They also create bankruptcy plans tailored to the situation of each client under Chapter 13.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Yelp
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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