If you are in Fayetteville North Carolinaand in serious financial trouble — and are seriously contemplating bankruptcy as a solution — the Fayetteville NC lawyers in our directory are here to help. Many offer a free consultation to help evaluate your situation and determine whether Chapter 7, Chapter 13 or Chapter 11 bankruptcy offers the most sensible way out of your financial dilemma.
Contact one of the Fayetteville NC Lawyers in our directory to schedule a conversation with about any of the following:
- Chapter 7: Personal bankruptcy designed to give a debtor a fresh start. This may be for you if credit cards, medical bills, signature loans and/or the threat of losing your car to repossession is in the picture.
- Chapter 13: Debt restructuring suitable for preventing foreclosure.
- Chapter 11: A more complex, expensive and involved form of bankruptcy, often used by business owners.
At your free initial consultation, most lawyers will review information regarding your financial situation and issues that may pertain to you such as the following:
- How you can keep your house and car
- How to prevent or stop a sheriff's sale (execution sale) of your home and prevent further legal action against you regarding your home
- Mortgage collections
- Foreclosure prevention
- Review of roles in a bankruptcy: debt, debtor, business creditors' committee, unsecured creditors' committee
- Review of assets that you will retain
- Review of debts to be wiped out or eliminated (possibly including the balance due on your car loan if your car has been repossessed and resold)
- IRS delinquencies
- When it is appropriate to reaffirm a debt as part of the bankruptcy process
- Mandatory credit counseling and means testing
- How to get your credit report
- How to complete bankruptcy forms
- Review of any pending lawsuits
- Discussion of what the final discharge looks like, and how it works
- Debts that cannot be wiped out through bankruptcy (student loans, child support)
