Is Bankruptcy The Solution To Your Debt Problem?

Find out how we offer no-attorney fee down for Chapter 13 filers with our CHAPTER 13 DEBT ELIMINATOR PLAN

Bankruptcy is a remedy under federal law that provides financial relief to individuals and small-business owners who have a level of debt that they cannot handle without help. In the current economic climate, financial distress 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 bankruptcy lawyers 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.

From our law offices in New Bern, Wilmington, Greenville and Jacksonville, we handle cases in the New Bern Bankruptcy Division, Wilmington Bankruptcy Division and Greenville Bankruptcy Division.

Let Us Help You Stop Creditor Harassment ● Keep Your House or Car ● Get Debt Relief Today

At Gillespie & Murphy, P.A., we understand the difficulties you face, whether coping with unmanageable credit card debt, creditor harassment, wage garnishment or other financial obstacles that threaten your financial security. Often, bankruptcy is the best option for debt relief. There are four types of bankruptcy we can assist with:

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. Chapter 7 bankruptcy cancels most of your personal or small-business debts.

Chapter 11 bankruptcy is an option to help businesses reorganize their debt. This option can allow a struggling business to move forward.

Chapter 12 bankruptcy is specifically for family farmers and commercial fishers. It functions similarly to Chapter 13 in that it allows for debt reorganization.

Chapter 13 bankruptcy is also known as "reorganization bankruptcy" 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 often at reduced interest rates. Chapter 13 provides additional protection for your home and car that allows you to cure missed payments through an affordable 36-60 month payment plan. You may be able to lower your car payment and other secured debt through a Chapter 13 plan. Contact us to know about our Chapter 13 Debt Eliminator program.

We understand all aspects of the various bankruptcy options, including state and federal exemptions. We can help you choose the option that is right for you.

Alternatives To Filing For Bankruptcy

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:

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. We are Wilmington, New Bern, Greenville and Jacksonville bankruptcy options attorneys with the dedication and bankruptcy experience to help you quickly obtain the relief you need and deserve.