CHARLOTTE BANKRUPTCY ATTORNEY
CHARLOTTE CRIMINAL DEFENSE ATTORNEY
CHARLOTTE TRAFFIC CITATION ATTORNEY
CHARLOTTE PERSONAL INJURY ATTORNEY
CHARLOTTE BUSINESS ATTORNEY
Bankruptcy - Chapter 7 & Chapter 13
Are You Struggling to Pay Your Debts?
Whether you are struggling with the decision to file bankruptcy or in need of legal counsel in steering a course toward bankruptcy relief, The Mabrito Law Firm is here to help you.
Our principal bankruptcy lawyer, Jefferson Mabrito, started his career in corporate finance, providing legal counsel to major investment banks, commercial banks and other financial institutions. He understands the financial system from the top, and can help consumers like you find relief from crushing debts through a variety of legal strategies.
Contact us, and we can schedule a free consultation to discuss your circumstances.
Why Not File for Bankruptcy?
You may be wondering whether a Chapter 7, Chapter 13 or other non-bankruptcy option is the best choice for you. Determining which option is right for an individual depends on a range of factors, including monthly income, outstanding debts, personal assets and the individual's financial goals. The Mabrito Law Firm can help you reach a decision that is best for you and your family.
Although debt settlement and debt refinancing are heavily advertised among consumers trying to get out of serious debt, we find that personal bankruptcy is often the quickest, cleanest and most productive path to a fresh, financial start.
Chapter 7. Also known as "straight" bankruptcy or debt-liquidation bankruptcy, Chapter 7 bankruptcy can eliminate most types of consumer debt in a matter of months. In return, however, there are limits on how much property a bankruptcy filer may keep. Fortunately, many filers are entitled to file bankruptcy and keep all of their property.
Chapter 13. Referred to frequently as "reorganization" bankruptcy, Chapter 13 bankruptcy requires filers to create a financial reorganization plan through which they repay a portion of their debts in monthly increments.
Answering Your Bankruptcy Questions — Charlotte Debt Relief Lawyer
At The Mabrito Law Firm, we consider personal bankruptcy to be a constitutional right. Let us answer your questions surrounding the personal bankruptcy process, including:
- What are the steps? Read our overview of the bankruptcy process.
- How long will it take? Consider the timelines for bankruptcy filings.
- Should I be ashamed? Are there moral implications of bankruptcy? Some may feel that bankruptcy still carries a stigma, but the U.S. Constitution, many famous entrepreneurs and the Bible endorse it. Depending on your circumstances, bankruptcy could be the best choice for protecting yourself, your family and the greater good.
- Will creditors take everything I have? Many people mistakenly think bankruptcy requires you to surrender all your assets and property to creditors as payment. This is not true. Although there are limits on how much property a bankruptcy filer may keep, filers often keep all of their property, including a house, car and family heirlooms.
- Why not call a debt-consolidation service? The debt-consolidation industry promises the moon. But what does it deliver? A bankruptcy lawyer can provide reliable personal service and highly informed advice at your price point.
- How can I prepare? We can help you organize your finances, review your debts and assets, and enter a bankruptcy filing fully prepared to succeed in erasing your debt.
- Where do I go from here? The months after bankruptcy can be as perilous as the ones preceding it, if you fail to take steps to avoid future financial problems.
Can't Afford to Hire an Attorney? You Can't Afford Not to — 704-512-0342.
When money is tight, many expenditures fall by the wayside. Don't let a competent bankruptcy attorney be one of them.
Our Charlotte bankruptcy lawyer can review your finances and assist you in making the right choice. Bankruptcy isn't as expensive as you think, and good representation can pay for itself many times over when compared to the consequences of failing to address a financial disaster.
Free Consultation — 704-512-0342
Call The Mabrito Law Firm to schedule a free, initial consultation. You'll receive personal attention and service, good advice, thorough explanations and emotionally supportive legal counsel. We offer flexible payment options and accept most major credit cards.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
