Debt Relief for People in Durham, North Carolina and the Surrounding Area
Attorney Terry D. Fisher welcomes inquiries from North Carolinians who are facing financial distress.
Is Chapter 7 or Chapter 13 Bankruptcy the Right Answer for You?
There are times when the reality of a financial crisis points to bankruptcy as the most viable option to address problems like having more bills than you can pay, or the possibility of losing your home or car. A divorce, a business failure, a medical crisis or overextension of debt are all reasons that many individuals and families reach the conclusion that bankruptcy is the best option for debt relief.
If you wonder whether bankruptcy is right for you, contact Terry D. Fisher to schedule a free initial consultation. Discuss the following questions and topics in light of your unique financial circumstances. Be as informed as you can before taking the step of filing personal bankruptcy.
- Is Chapter 7 or Chapter 13 bankruptcy appropriate for you? If you are behind in house or car payments but want to keep your home or car, Chapter 13 is likely to be the best avenue to relief for you. If you are simply overwhelmed with unsecured debts such as credit card and medical bills, Chapter 7 may be more appropriate. In either case, the Bankruptcy Code subjects a potential Debtor to a "means test" to determine the relief that is available to that individual. Learn how the means test applies to your specific situation.
- Learn how to stop harassment by creditors. We advise clients on how to deal with unwanted communications by creditors.
- Consider whether alternative forms of debt relief outside of bankruptcy court may be available to you.
- Get straight answers to frequently asked questions such as, "What property can I keep?" and "How will bankruptcy affect my credit?"
- Consult our bankruptcy checklist and get an idea of what to expect when filing bankruptcy.
Talk to an Experienced Attorney
North Carolina bankruptcy lawyer Terry D. Fisher will thoroughly explain all of your options and answer your questions when you contact him to discuss your financial situation and consumer bankruptcy as a possible debt relief option.
We are a debt relief agency. We help people file for bankruptcy relief under the United States Bankruptcy Code.
