Lee & his staff went out their way to make my bankruptcy case as simple as possible. I have to admit I was extremely nervous about taking this giant step in my life, but Lee and his staff was there for me every step of the way. I really had nothing to be nervous about as this transaction was flawless. These guys are very professional and also very friendly. Lee, I will never forget your kindness ...

Charlotte Bankruptcy Attorney

Bankruptcy & Debt Relief in North Carolina

At Schwilm Law Firm, PLLC we fully explain and help you understand your various options for dealing with your debt effectively. If you are stressed about paying your bills, creditors are harassing you or your wages are being garnished, filing a bankruptcy case can provide you with instant relief. If you are facing a foreclosure or repossession, we can help you refinance your loan or obtain a loan modification. Whatever your monetary troubles are, we use our more than 15 years of experience to provide you with the advice and guidance you need to make wise decisions for a better tomorrow.

Bankruptcy is the process where people legally declare themselves or their businesses insolvent and unable to pay outstanding debts. For individuals or businesses facing financial difficulties, bankruptcy offers a means for finding relief from overwhelming debt. However, different types of bankruptcies are available and some are available only in specific circumstances. You should note that both state and federal laws can apply in your bankruptcy filing, so understanding the protections afforded by them is important.

Obtaining Financial Relief for Consumers Through Bankruptcy

Our firm has successfully helped individuals, couples and business owners in hundreds of bankruptcy cases. We listen to your unique circumstances and fully explain your various options. Our goal is to take the fear and anxiety out of the process and help you see the benefit that bankruptcy protection can provide. We assist consumers with:

Chapter 7 bankruptcy. In a typical Chapter 7 filing, you may be able to discharge or eliminate the majority of your debts while keeping most or all of your assets. Chapter 7 is the most common type of filing for consumers.

Chapter 13 bankruptcy. In a typical Chapter 13 bankruptcy, you may keep the majority of your assets and pay back some or all of your debts under a plan of reorganization.

Eligibility issues. You must meet certain eligibility requirements to file for bankruptcy protection. We explain the means test and how it applies to you. We can help you determine if you qualify for a Chapter 7 or Chapter 13 bankruptcy and create an effective strategy for proceeding with your filing.

Understanding bankruptcy timelines. Certain processes and timelines must be followed in a bankruptcy case. We ensure that your pleadings and other submissions to the court are correct and timely. We also closely monitor the deadlines imposed on creditors.

Our firm provides trustworthy bankruptcy advice and guidance. We fully answer your bankruptcy questions and stand beside you throughout your case. Let us help you achieve financial freedom.

Defending You Against Aggressive Creditors

Regardless of how much money you owe, nobody should be harassed or abused by creditors. We thoroughly understand the law and the protections it provides you. Our firm provides legal services in the following areas:

Creditor harassment. Debt collectors use a variety of unlawful tactics to force you to pay the money you owe. If a collector lies to you, uses foul language, threatens an arrest or otherwise uses abusive practices, you may be able to recover monetary damages as a result of the creditor harassment.

Foreclosures and repossessions. If you are delinquent on your mortgage loan, car payment or other secured debt, you need a proficient defense attorney on your side. Foreclosures and repossessions can be halted by filing for bankruptcy or taking other legal action.

Loan modifications and debt consolidation. Loan modifications involve negotiating with your creditor to alter the terms of your loan to make your payments more affordable. This includes lowering the interest rate or extending the term of the loan. Debt consolidation occurs when a borrower obtains one loan to pay off several other loans. This allows the borrower more flexibility in managing only one payment.

Wage Garnishments. If your paycheck is being garnished, we can help determine whether exemptions provided under the law apply and if you should consider filing bankruptcy to discharge the debt associated with the wage garnishment.

Whatever action your creditor is taking against you, we help you fight back. Let us handle your creditors and give you the peace of mind that your rights are being fully protected.

Contact Our Charlotte Bankruptcy Lawyer for a Free Consultation

If you are looking for an attorney who is competent, knowledgeable and experienced and who serves the Charlotte metropolitan area, contact Schwilm Law Firm, PLLC. Our office is conveniently located in Charlotte, North Carolina, and we offer convenient parking.

Contact us at 704.567.5252 or online.