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Overwhelmed with Debt? Bankruptcy May be the Answer. We Offer Solutions for Every Debt Related Need.

Alternatives to Bankruptcy

Tailored Solutions for Every Debt-Related Need

At Schwilm Law Firm, PLLC, our experiencedCharlotte bankruptcy attorney and our legal team are well versed in the area of bankruptcy. We can guide consumers and business owners alike. No matter how hopeless you think your case is, we strongly believe that we can find a tailored solution for every debt-related need!

Explore Other Options with Our Charlotte Bankruptcy Lawyer

Refinance, Modify, or Reconsider Your Expenses
Perhaps one of the first steps before filing for bankruptcy is taking an honest look at your finances. Can you cut out certain redundancies? Can you refinance a mortgage? Can you modify a loan? Adjusting your expenses can force you to make some tough or uncomfortable choices. If it can save you from growing debt, however, the long-term debt relief can far outweigh the temporary cutbacks.

Negotiate with Your Creditors
With the help of a Charlotte bankruptcy attorney, you could negotiate your debt with creditors. Oftentimes, negotiating for a payment plan can allow you to pay back your debts in affordable increments over a set period of time. Many times, we can help our clients settle their debts for less than what they owe to their creditors. This can save you from unnecessary bankruptcy but still set you up for long-term debt relief.

Consider Credit Counseling Services
Sometimes, the best way out of a financial predicament is to learn how to avoid financial pitfalls. We can recommend counseling services provided by certified credit counselors who can inform you of the best possible way to manage debt. These counselors are specifically trained to identify how to create a debt management plan that can help consumers achieve financial stability.

We are dedicated to your future. Call Schwilm Law Firm, PLLC today.

If you wish to learn more about other possible alternatives that may be available to you, we are here to help, but more importantly, to listen. We know that this time can be very frightening, but learning more about your rights and your options can help make the process less intimidating. Soon, you can feel empowered to make informed decisions and take control of your finances once again.

Contact Schwilm Law Firm, PLLC today and speak with a compassionate attorney to schedule a confidential and risk-free case evaluation.

We're Fully Equipped to Help Your Debt Issues

  1. Over 20 Years of Legal Experience
  2. Outstanding Personal Service
  3. Lasting Relationships
  4. A Comprehensive & Experienced Approach
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Our Client Testimonials

  • “Very caring and professional.”

    Lynda Delena

  • “They held my head through the whole process.”

    Former Client

  • “I appreciate all their hard work on my case.”


  • “Lee and his staff was there for me every step of the way.”

    Diana McMillian

  • “Mr. Schwilm was available when I needed him.”

    Former Client

  • “They turned what could have been a very difficult process into a very simple one.”

    Angelique Alexander

  • “Great to work with!”

    Former Client

  • “She was willing to work with me and my crazy schedule between a full time job and children.”

    Maryjo M.