  Bankruptcy is a remedy under federal law that provides financial relief to individuals and business owners who have debts that they are unable to control. It is an all-too-frequent occurrence in today’s society that is brought about by any number of unexpected situations, such as the loss of a job, a divorce, serious injury or a death in the family. We are consumer debt relief attorneys who want to help you get the fresh financial start you deserve and rid yourself of the anxiety and pressures of unmanageable debt. Contact us today for an immediate consultation regarding your debt relief. Stop creditor harassment ● Keep your house or car ● Get debt relief today At Gillespie & Murphy, P.A., we understand the difficulties you face when coping with unmanageable credit card debt, creditor harassment, wage garnishment and other financial obstacles that prevent you from getting a leg up on your finances. Often, bankruptcy is the best option. When you work with us, you can be assured that our lawyers will advise you of any more appropriate alternatives to bankruptcy that may better suit your situation. We understand the unique situations faced by our clients and will seek the best solution for you and your family. Our bankruptcy team of lawyers has experience with all of the following:
Chapter 7 bankruptcy is also known as “straight bankruptcy” and is a compelling option for both individuals and small businesses looking to immediately eliminate debt and protect property. In general, Chapter 7 bankruptcy cancels most of your personal or small business debts. Chapter 13 bankruptcy is also known as “reorganization” and allows you to keep your significant assets and eliminate most debts while paying off your secured debts in much easier monthly installments from your future earned income. Chapter 13 provides additional protection for your home and car that allows you to cure arrearages through an affordable payment plan. You may be able to lower your car payment and other secured debt through a Chapter 13 plan. Contact us about our Chapter 13 Debt Eliminator program. We are a debt relief agency under the United States Code. We help people file for bankruptcy relief under the Bankruptcy Code. Contact Gillespie & Murphy, P.A. to schedule a free consultation at our New Bern or Wilmington, North Carolina offices. We are lawyers with the dedication and bankruptcy experience to help you quickly obtain the relief you need and deserve. Free consultations • Providing financial relief since 1991 |
Bankruptcy Overview
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