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INFORMATION ON BANKRUPTCY IN GENERAL

Bankruptcy is a legal tool available to people to relieve themselves of their debts and start fresh. There are two chapters of consumer bankruptcy: Chapter 7 and Chapter 13. Chapter 7  is appropriate for debtors with low income who are seeking to relieve themselves of most if not all of their obligations. Chapter 13 is appropriate  for debtors with higher income and establishes a payment plan schedule to pay off certain priority creditors over a three to five year span. Determining which chapter of bankruptcy would work best for your situation,  depends on your gross income, assets, expenses, and the amount and type of debt. You can discuss this further and any other questions you may have with the Bankruptcy Attorney, during your meeting.

DOCUMENTS  NEEDED TO FILE BANKRUPTCY

These are the type of documents your bankruptcy attorney will likely to ask for:

• A fully answered short Questionnaire
• Paystubs
• Tax Returns for the past two (2) years
• Bank Statements
• Listing of your assets
• Number of your dependents
• Social Security # (Spouse) so that your credit file can be reviewed
• Tax Notices
• Judgments (Lawsuits)

341 MEETING

The 341 Meeting of Creditors is like attending bankruptcy court. This takes place a month after your bankruptcy petition is petition has been filed. The Bankruptcy Trustee, your Attorney, you meet and review your petition to insure that you read, approved, and signed your petition before it was filed. The trustee may also ask you some questions regarding your income and expenses. It is a brief meeting that takes no longer than five to ten minutes. For more information on this meeting see our page on 341 Meeting of Creditors.

MEETING WITH THE ATTORNEY

We offer several options for you to discuss your debts and financial situation. You can meet with the Bankruptcy Attorney in one of the two offices available. You may also discuss your options via a telephone consultation. In addition, may schedule your meeting online (in person or telephone) or call 704-461-1883.

BANKRUPTCY FEES

We understand that your financial situation is a little rocky and we will do the best to work within your budget. Our bankruptcy fees are reasonable and affordable, we also offer payment plans.

AFTER FILING FOR BANKRUPTCY 

The purpose of filing for bankruptcy is to start fresh and become debt free. Naturally after bankruptcy you will you need to take the appropriate steps to rebuild your credit. Filing for bankruptcy maybe the only way you can erase your negative history so that you move toward financial freedom and success.  You can discuss your options and what steps are necessary with our Bankruptcy Attorney.

Maxwell Law Firm, PLLC is located in Concord, North Carolina, and represents clients throughout the communities of Cabarrus –Concord, Kannapolis, Harrisburg, Mt. Pleasant; Davidson-Lexington, Thomasville, Welcome, Denton; Stanly-Albemarle, Locust, Norwood, Oakboro, Badin, Stanfield, Richfield, New London; Rowan- Salisbury, China Grove, Spencer, Landis, Enochville, Granite Quarry, Rockwell, East Spencer, Cleveland, Faith; Scotland-Laurinburg, Wagram, Gibson, East Laurinburg; Richmond– Rockingham, Hamlet, East Rockingham, Ellerbe, Dobbins Heights, Hoffman, Norman; Southern Pines, Pinehurst, Aberdeen, Seven Lakes, Whispering Pines, Carthage, Robbins, Pinebluff, Taylortown, Vass., Montgomery - Troy, Biscoe, Mount Gilead, Candor, Star., Hoke - Raeford, Rockfish, Silver City, Ashley Heights, Five Points, Bowmore, Dundarrach, Surry – Mt Airy, Elkin, Toast, Flat Rock, Dobson, Pilot Mountain, White Plains, Stokes –King, Walnut Cove, Danburry.

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