September 23, 2017

Experienced Chapter 13 Bankruptcy Attorney

Chapter 13 cases generally last for five years, creating a long-term relationship between debtor and attorney. Choosing your Chapter 13 bankruptcy attorney should be done with this timeframe in mind.Filing a Chapter 13 bankruptcy case isn’t as straightforward as a Chapter 7 case. I usually find that my Charlotte area clients who need Chapter 13 bankruptcy protection have issues with businesses and partnerships that need to be unwound or otherwise dealt with; they often have unpaid tax liabilities with the state and IRS; and they may have a number of mortgaged properties and other assets they wish to protect.
Further, while most Chapter 7 cases are closed within four months of filing, Chapter 13 cases generally last for five years, creating a much longer relationship between debtor and attorney. Choosing your Chapter 13 bankruptcy attorney should be done with this timeframe in mind.

Chapter 13 experience makes all the difference

Individuals in need of Chapter 13 bankruptcy protection often begin searching for a law firm on the internet. Most find this to be a confusing endeavor at best. The troubled economy has created demand for bankruptcy lawyers faster than the lawyers have been able to get up to speed with this complex area of the law. The average bankruptcy attorney has seen very few Chapter 13 cases; I’ve handled hundreds. How do I know this? Because I sometimes find myself unwinding the messes that Johnny-come-lately practitioners have created for their clients, and in my role as a Chapter 7 trustee, I see all manner of errors and omissions.

I was the first Chapter 7 bankruptcy trustee appointed to the Western District of North Carolina bankruptcy trustees’ panel in the 1970s, and served continuously in that capacity since. My 30+ years as a bankruptcy trustee, and as an attorney representing creditors, trustees, and debtors in consumer and business bankruptcy cases, gives clients a wealth of practical and legal knowledge to draw upon. In addition, the North Carolina State Bar has certified me as a specialist in consumer and business bankruptcy. I welcome the opportunity to discuss your situation.

In a bankruptcy counseling session, I can advise you as to the different types of bankruptcy available to you, and give my recommendation as to which type is the best fit for you. Making an appointment is the first step.