Bankruptcy
Consumer Bankruptcy
Do you think you cannot afford bankruptcy? Think again. Most of our clients qualify for our $0 down Chapter 13 bankruptcy.
Are you struggling with overwhelming debt and unsure about your next move? You're not alone. At Klein & Sheridan, LC PC, we're here to guide you through the complex process of filing for bankruptcy. We are local North Carolina bankruptcy attorneys with offices in Fayetteville, Cary, and New Bern.
Take control of your finances. Contact us today at (800) 995-5152 for a free consultation. We offer our free digital or in-person consultations at any of our offices throughout North Carolina.
Making only the minimum payments on your credit cards?
Overwhelmed with collection letters and medical bills?
Behind on your mortgage or car loan?
Facing a creditor’s wage garnishment?
Bankruptcy can be a viable solution for those who are struggling with debts. Every year, thousands of people facing similar difficulties find relief by filing for bankruptcy. In most cases, filing for bankruptcy can help eliminate most, if not all, of your unsecured debt, giving you a fresh start and the ability to rebuild your credit.
RATES
Our team of experienced attorneys handle both Chapter 7 and Chapter 13 bankruptcies.
If you need a Chapter 13 bankruptcy, typically, most clients qualify for our $0 upfront filing fee. Click here to learn more about our $0 upfront fee.
On the other hand, if you need a Chapter 7, our rate is $1,000 for low-income residents, and for most other Chapter 7 bankruptcies, it's only $1,250.
Do not worry about the fee. If you choose to retain us, we have easy payment plans, and, in some cases, we can get your creditors to reimburse you for the cost of your bankruptcy or even pay for it outright if you are being harassed or your rights are otherwise being trampled.
CHAPTER 7
Chapter 7 bankruptcy is a legal process that allows you to eliminate most of your unsecured debts like credit cards, personal loans, and medical bills. The main aim of filing for Chapter 7 is to give you a fresh financial start.
When you file for bankruptcy protection, you are entitled to certain exemptions under state laws to protect your personal and real property from creditors. In most cases, you won't lose any of your property in Chapter 7. Your attorney will guide you on how to best use your available exemptions to safeguard your property.
CHAPTER 13
A Chapter 13 bankruptcy is a legal process that allows you to reorganize your debts into a repayment plan. It can be helpful if you are facing a foreclosure sale or repossession of your vehicle or mobile home. By filing for Chapter 13 bankruptcy, you can spread out your missed payments over a period of 60 months and catch up on them gradually. If you have a regular monthly income, Chapter 13 can help you repay your unsecured debts based on your available income. The good news is that in most cases, you can keep your home, vehicles, and other property during this process.
WHAT TO BRING WHEN YOU MEET WITH US
While you do not have to bring any documents with you to your initial consultation, it is helpful to bring the following:
Most Recent Pay Stubs for You and Your Spouse
Last Year’s W-2 for You and Your Spouse
Any Lawsuits Filed Against You
Any Repossession or Foreclosure Letters
Mortgage Statement (if behind)
Call us toll free at (800) 995-5152, or complete the contact form below to schedule a free consultation.