Charlotte NC

Lawyer

Bankruptcy Law


Charlotte North Carolina Bankruptcy Attorney


Charlotte Bankruptcy Attorneys
at Mackey Law Offices, PLLC have successfully handled hundreds of bankruptcy cases throughout North Carolina. Bankruptcy is not a moral or emotional decision, it is financial decision based on factors such as amount of debt, income, and monthly cash flow. If there is insufficient “disposable income” at the end of each month to make a meaningful debt payment, bankruptcy must be given serious consideration.We are not just Charlotte North Carolina Bankruptcy Attorneys – we serve the entire state of North Carolina and look forward to helping you get a fresh start. Call us today at (704) 412-3030.

Which Bankruptcy Chapter to File?

In this day and age more and more people are filing for bankruptcy. There are five different types of bankruptcy. The most common are Chapter 7, and Chapter 13. Below you will find an explanation of these chapters of bankruptcy, so you can decide which chapter is the most appropriate for you. At Mackey Law Offices, PLLC we offer free consultations, and are happy to discuss all of your bankruptcy options with you. Call us today (704) 412-3030.


Chapter 7 Bankruptcy – Liquidation Bankruptcy

Chapter 7 is by far the most common type of bankruptcy. Individual consumers or small businesses turn to chapter 7 when they become burdened with debt they simply are not able to pay. When the demands of creditors become unreasonable, chapter 7 is frequently the best solution. Although Chapter 7 is referred to as “liquidation” bankruptcy, the truth is in nearly every case, nothing is liquidated and the consumer or small business retains all their possessions and assets while eliminating debts.


Chapter 13 – Individual Debt Adjustment

The chapter of the Bankruptcy Code provides for a reorganization of your debts; as long as you have regular income. With Chapter 13 you are allowed to keep your property and pay your debts over three to five years.

Not Sure Which Chapter to File?

Don’t worry. We have a lot of experience in the area of bankruptcy. Let us assist you with your bankruptcy. Come in for a free consultation, and we will give you our best legal advise. Call us today (704) 412-3030.


               CONTACT US FOR A CONSULTATION

                           (704) 412-3030


     MACKEY LAW OFFICES, PLLC  301 McCULLOUGH DRIVE, 4TH FLOOR, CHARLOTTE, NORTH CAROLINA 28262 (704) 412-3030
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