If you need a bankruptcy lawyer in Hickory, give us a call today.
If you are even just considering the possibility of bankruptcy as a solution to your debt challenges, you need to consult with an experienced, knowledgeable bankruptcy lawyer as soon as possible. Here at the Law Office of Melissa Stewart, formerly Groff Law Firm, we provide legal advice and consultations for clients in the area around Hickory, North Carolina and specialize in bankruptcy. We want to be your bankruptcy lawyer and can schedule a consultation that works with your busy schedule, even if it needs to be outside of normal business hours.
Don’t try to replace the advice of a bankruptcy lawyer with the advice of a friend or an internet search. We want to help you as you try to start again financially. We handle both Chapter 7 and Chapter 13 bankruptcy proceedings. If you are not a bankruptcy lawyer, you may not even know the difference between these two options.
In Chapter 7 bankruptcy:
- Many of your debts are discharged, like credit card balances, personal signature loans and medical bills. These are also known as unsecured debts.
- Some of your property (nonexempt) may be sold in an effort to pay off as much of this debt as possible.
In Chapter 13 bankruptcy (also known as reorganization bankruptcy):
- Your debts are consolidated into a 3-to-5-year repayment plan. Once the designated time period has ended, leftover debts are discharged.
- This type of bankruptcy may help you avoid a repossession or foreclosure.
You are not alone, and help is available. Get a bankruptcy lawyer from the Law Office of Melissa Stewart on your side today by calling us now.