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Best Bankruptcy Attorneys in Fayetteville

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Arthur M. Blue Law Office, P.A. logo
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Arthur M. Blue Law Office, P.A.

406 Monroe Street, Carthage, NC 28327
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Arthur M. Blue Law Office, P.A. is a full-service law firm in Fayetteville that handles complex litigations, including bankruptcy. The company assists individuals and families struggling with insolvency issues obtain debt relief. Bankruptcy lawyers at the firm are experienced in chapter 7 and chapter 13 bankruptcy filings, as well as in credit reports and secured or unsecured debts. The firm also represents debtors in debt negotiations and settlements with creditors. Other practice areas include civil litigation, criminal defense, traffic tickets, personal injury, and family law. Blue has more than 25 years of experience in bankruptcy law. He is also a member of the Million Dollar Advocates Forum, a group of lawyers who have won million- or multi-million dollar lawsuits.

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
4.5 / 5 (63)

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
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Detail
––
Bruce Allen, Attorney logo
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Bruce Allen, Attorney

1000 Wildwood Drive, Fayetteville, NC 28304-2855
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt

Business Description

Attorney Bruce Allen aids and represents clients in Fayetteville seeking debt relief. He offers to assist clients in filing for either chapter 7 or 13 bankruptcy by determining which option best fits their needs and eligibility. He facilitates the discharging or restructuring of clients' debts. An experienced tax lawyer, Allen also offers to aid in preparing taxes or managing issues that may be relevant to discharging debts. Allen also provides legal services in areas such as personal injury, real estate, estate law, 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.
4.2
Google
4.0 / 5 (15)
Avvo
3.5 / 5 (3)
Facebook
5.0 / 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
Friendliness
Helpfulness
Detail
Law Office of R. Gregg Edwards PA logo
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Law Office of R. Gregg Edwards PA

2517 Raeford Road, Fayetteville, NC 28305
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of R. Gregg Edwards PA is based in Fayetteville. It offers legal representation in matters concerning traffic violations, injury compensation, and bankruptcy. R. Gregg Edwards is a bankruptcy attorney who has represented individuals, families, and businesses in bankruptcy litigations. He evaluates clients' financial conditions, determines applicable types of bankruptcy, and files petitions to address creditor harassment. He also handles liquidations and assists in debt repayment plan creation. Moreover, he deals with bankruptcy appeals.

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.
4.7
Google
4.7 / 5 (31)

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
Law Offices of John T. Orcutt logo
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Law Offices of John T. Orcutt

2711 Breezewood Avenue, Fayetteville, NC 28303
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  • Debt Settlement

Business Description

The Law Offices of John T. Orcutt provides legal representation to clients around Fayetteville that are burdened by bankruptcy and debt issues. The firm's services focus on helping clients raise their credit score and retain their property despite filing for bankruptcy. The firm is headed by John T. Orcutt, who has more than 25 years of legal experience and is a member of the National Association of Consumer Bankruptcy Attorneys. He has assisted approximately 30,000 North Carolina families to date.

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
4.9 / 5 (520)
Avvo
4.0 / 5 (47)
Facebook
5.0 / 5 (24)

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
Plyler Law Firm, P.A. logo
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Plyler Law Firm, P.A.

2545 Ravenhill Drive, Fayetteville, NC 28303
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  • Chapter 7 Bankruptcy

Business Description

Plyler Law Firm PA provides counsel and representation to both creditors and debtors in and around Fayetteville. The attorney has over two decades of experience helping clients who struggle with unpaid debts. He is particularly passionate about litigating for clients in cases involving unpaid credit card debts, overdue credit card accounts, small business collections, and debtor breach of contract. In addition, Plyler Law Firm's practice areas include personal injury, business, and family law as well as DWI defense and estate planning.

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.
4.7
Google
4.8 / 5 (42)
Facebook
5.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Smith, Dickey & Dempster P.A. logo
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Smith, Dickey & Dempster P.A.

309 Person Street, Fayetteville, NC 28301
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Smith, Dickey & Dempster P.A. is a law firm that serves individuals in Fayetteville. Included in its range of practice areas is bankruptcy. Mark Madison Harris, the company's bankruptcy attorney, assists clients in filing chapter 7 and chapter 13 bankruptcy. Harris started his legal practice and joined Smith, Dickey & Dempster P.A. in 2003. He worked at a bankruptcy law firm prior to joining the company. Smith, Dickey & Dempster P.A. is available 24/7 and accepts evening and Saturday appointments.

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
Avvo
5.0 / 5 (6)

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
––
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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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