North Carolina Bankruptcy Lawyers

Filing for bankruptcy may seem perplexing, but the progression actually makes sense if you know what to expect. When you hire a skilled bankruptcy firm like the King Law Firm, they will explain the process so things go smoothly.

When you contact the experienced bankruptcy attorneys at the King Law Firm, we will discuss your goals for bankruptcy and review your household size, income, and assets. This will help you decide which bankruptcy option is best for you, Chapter 7 or Chapter 13 bankruptcy.

After reviewing your unique situation, we will assist you and guide you to the best type of bankruptcy to file, we will help you prepare the appropriate bankruptcy petition. After you review and sign it, we will file the petition and you will be assigned a case number.

Your assigned bankruptcy trustee will contact you within a week to request financial documentation to support your petition and your attorney and a case manager will help you to prepare these documents.



If you file a Chapter 7 bankruptcy, you will also receive a date for a phone interview with your assigned trustee.  Privately, you will discuss your bankruptcy petition and any supporting documents that were provided.

Several weeks later, you will go to the federal courthouse to be questioned under oath by your trustee – your attorney will be present. Your creditors may appear and object, though this seldom happens.

If you wish to keep secured debts such as a home or automobile loan, you may reaffirm the debts with your lender. If everything proceeds as it should, your bankruptcy will be discharged within 120 days.



Chapter 13 bankruptcy restructures your debt, allowing you to make monthly payments that are dispersed to your creditors. This is done according to income, unsecured debts and secured debts that are kept.

After filing Chapter 13 bankruptcy, you will meet with your trustee in approximately one month. Your first payment will be due within 30 days of filing. After you make your 60th payment, your bankruptcy will be discharged.

The experienced bankruptcy attorneys at King Law Firm will guide you through every step of the bankruptcy process, call today to schedule a case evaluation.