Bankruptcy Overview

Gourley & Griffin, P.A.

North Carolina Bankruptcy Lawyers

Nehemiah 10:31b:

"Every seven years we will let our fields rest, and we will cancel all debts."

Chapter 7 - 13 Bankruptcy Attorneys

Credit Card Debt Relief ◦ How to File Bankruptcy

Bankruptcy Intake Form

People who inquire at the Statesville and Mooresville, North Carolina, bankruptcy law firm of Gourley & Griffin, P.A., typically approach our bankruptcy lawyers with a great deal of anxiety. No one likes the idea of avoiding financial responsibilities by filing bankruptcy. At the other end of the process, however, our clients express a sense of relief as they make a fresh start and begin right away to rebuild credit while still under our guidance.

To schedule a face-to-face consultation about chapter 7 bankruptcy, chapter 13 bankruptcy, or any topic relevant to your financial crisis and bankruptcy laws, contact us through this Web site or by phone at 704-872-5051 in Statesville, 704-663-7122 in Mooresville, or toll free 800-411-1188.

We rarely see repeat business from our clients who have successfully filed bankruptcy. Once the burden of unmanageable debt has been lifted after a job layoff, a divorce, or a medical crisis has wreaked havoc with family finances, our clients get a new handle on life as they rebuild credit with confidence.

What Bankruptcy Can and Cannot Do

Bankruptcy may make it possible for financially stressed individuals to:

• Discharge liability for most or all of their credit card debts and other debts, and get a fresh start. When the debt is discharged, the debtor has no further legal obligation to pay the debt.
• Stop foreclosure actions on their home and allow them an opportunity to catch up on missed payments.
• Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.
• Stop wage garnishment and other debt collection harassment, and give the individual some breathing room.
• Deal with some types of tax problems

However, bankruptcy may not:

• Wipe out student loans.
• Erase child support obligations.
• May not get rid of more recent taxes.

Schedule an appointment with an experienced North Carolina bankruptcy attorney to discuss alternatives to bankruptcy, myths about bankruptcy, new bankruptcy laws, ways to keep what you own despite filing bankruptcy, how to find relief from the pressure of creditors, whether to file chapter 7 or chapter 13 bankruptcy, what to do before filing, the steps involved in filing bankruptcy, how to rebuild your credit, what life will be like after bankruptcy, and what to do if you are sued (or how to claim your exemptions).

Contact us by phone or email to schedule your first face-to-face free consultation.

We are a debt relief agency proudly providing options to people with financial problems for over 25 years. In a large number of cases, we assist people with filing bankruptcy.