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08 Jul, 2024 by Renee servis
Mr Bill is an EXCELLENT attorney. He has great customer service - responds to texts, phone calls and emails promptly. Bill makes you feel like he hears your situation and will do all that he can to help you.
i called bill on 7/5 - though i had a court date on 7/7. I was nervous that it was so short notice he wouldn't be able to help me. not only was Bill able to help me, he had one of the issues dismissed and another down to the lowest form. I not only saved myself having to pay a fine as well as court costs as well as this bleeding into other areas of my life - which could affect my job - now i just paid bills fee and the court cost and i can forget this happened to me. i couldn't pull out my wallet fast enough!!!
long story short - bill is awesome and trustworthy. don't call the people who send you letters in the mail for tickets. Call Bill Causey.
if your reading this - thanks Mr Bill, you are the best!
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08 Jul, 2024 by Zach m
I have no complaints. Mr. Causey was quick and professional. He got me the best possible result for my case and let me know the results immediately.
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08 Jul, 2024 by A. moore
Mr. Causey was an ideal attorney. I hired him to help a family member who lives in North Carolina, and I honestly wasn't expecting a whole lot because I am out of state. I felt like since I was not local I could easily be ignored. Not so! Mr. Causey was informative and patient, and kept me abreast every step of the way. Did absolutely everything he said he'd do, flawlessly. I would recommend.
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12 Jan, 2012 by Anonymous
I would like to take this opportunity to extend how much gratitude and appreciation I have for both you and the Duncan Law Firm. With the stress of debt taking a toll on me physically and mentally, me and my husband found ourselves lost as to what our next steps (financial) were to be. We never thought Bankruptcy would ever be an option. We were surrounded by fear of the unknown with regards to Bankruptcy, how it would affect us today, tomorrow, how our friends and family would look at us, or how it would affect our credit presently or in the future. We were faced with countless questions and as many of today's generation, we resorted to the worldwide-web for answers. We spent countless hours researching firm after firm and thankfully came across the Duncan Law Firm website. The site had all the answers to our questions and our decision was made, and we could not have made a better choice than the Duncan Law Firm. Little did we know, all our fears and stress were soon on its way out the door. From the initial call to set up an appointment, to the meeting with the Trustee -- the process could not have been made any simpler and stress-free. Each meeting attended was done with such professionalism and any/all our questions were answered. Whenever we had concerns or questions our questions we were comforted with knowing the answers were only a phone call or email away. My husband and I can not thank you and the Duncan law Firm enough for making this stressful burden so light on our shoulders. We would not hesitate to refer the Duncan Law Firm to anyone in need of your services.
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31 Jul, 2011 by Anonymous
“Melissa could not have been more compassionate about our situation or professional in her job. This was not an easy decision for us and we were quite stressed by the turn of events in our lives in the past few years and embarrassed that this was our only option. The staff and Melissa were prompt in answering our questions and responding to us and they walked us through every step of the process. When Melissa was not available, Damon went the extra mile to get the answers for us. We really don't know how we would have made it through this stressful situation without their guidance and kindness. I have already referred a couple of people to them and will continue to do so. THANK YOU, from the bottoms of our hearts!”
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26 Sep, 2023 by Avery matthews
I&E's new Greensboro office marks an exciting expansion for North Carolina’s premier estate planning and elder law firm. Their trusted expertise is now conveniently accessible to the Guilford County community.
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17 Jan, 2025 by Renee jett
I love the fact that he take his time to explain to you. I also like the fact that he answers you ,you do not have to call the office. He gives you his cell number and he answers you back.
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15 Jan, 2025 by Austin strain
Very professional and caring, Alec is a very understanding and patient person. Would recommend to anyone and he will help you to the best possible outcome with your needs.
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26 Dec, 2024 by Brandon alexander
17 Jan, 2025 by Renee jett
I love the fact that he take his time to explain to you. I also like the fact that he answers you ,you do not have to call the office. He gives you his cell number and he answers you back.
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15 Jan, 2025 by Austin strain
Very professional and caring, Alec is a very understanding and patient person. Would recommend to anyone and he will help you to the best possible outcome with your needs.
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26 Dec, 2024 by Brandon alexander
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FAQs
Questions? We have answers
What a Bankruptcy Lawyer Can Do for You
A bankruptcy lawyer specializes in helping individuals and businesses manage overwhelming debt by filing for bankruptcy or exploring alternatives to bankruptcy. They guide clients through the complex legal process of discharging or restructuring debts, represent them in court, and work to protect assets such as homes and cars. Bankruptcy lawyers can also help stop creditor harassment, wage garnishment, and foreclosures through bankruptcy protections.
If you're facing financial hardship, a bankruptcy lawyer can help you decide whether filing for bankruptcy is the right option and assist you through the legal process.
When Should I Hire a Bankruptcy Lawyer?
You should consider hiring a bankruptcy lawyer in the following situations:
- Unmanageable debt: If you're unable to pay your bills and debts are piling up, a lawyer can help you explore options such as Chapter 7 or Chapter 13 bankruptcy.
- Foreclosure or repossession: If your home is at risk of foreclosure or your vehicle is in danger of being repossessed, a bankruptcy lawyer can help you use bankruptcy protections to prevent this and potentially reorganize your debts.
- Wage garnishment: If your wages are being garnished, filing for bankruptcy can stop garnishments and allow you to regain control of your finances.
- Creditor harassment: If creditors are constantly calling or sending collection notices, a bankruptcy lawyer can stop these actions by filing for bankruptcy, which enacts an automatic stay that halts collection activities.
- Small business debt: If your business is struggling with debt and cannot meet financial obligations, a lawyer can help you file for Chapter 11 (reorganization) or Chapter 7 (liquidation) bankruptcy.
- Medical debt or credit card debt: If you have large amounts of unsecured debt like medical bills or credit card balances, a bankruptcy lawyer can help you seek relief through Chapter 7 or Chapter 13 bankruptcy.
Hiring a bankruptcy lawyer early in the process can prevent further financial damage and help you choose the best legal option for debt relief.
What Does a Bankruptcy Lawyer Do?
A bankruptcy lawyer provides a range of services to help individuals and businesses handle their debts. Their responsibilities often include:
- Evaluating your financial situation: Assessing your income, assets, debts, and expenses to determine if bankruptcy is the right option and which type of bankruptcy (Chapter 7, Chapter 13, or Chapter 11) best suits your situation.
- Filing bankruptcy petitions: Preparing and filing the necessary documents to initiate your bankruptcy case, ensuring that all legal requirements are met.
- Stopping creditor harassment: Once the bankruptcy case is filed, an automatic stay is enacted, which stops creditors from pursuing collection efforts. A lawyer ensures this protection is applied immediately.
- Representing you in court: Representing you in court proceedings, including meetings with creditors and any hearings related to your case.
- Negotiating with creditors: In Chapter 13 or Chapter 11 bankruptcies, negotiating a repayment plan that restructures your debts and allows you to manage payments more effectively.
- Advising on asset protection: Guiding you on how to protect certain assets, such as your home or retirement savings, through available bankruptcy exemptions.
- Explaining the impact on your credit: Informing you about how bankruptcy will affect your credit and advising on steps to rebuild your credit post-bankruptcy.
How Are Bankruptcy Lawyers Paid?
Bankruptcy lawyers typically charge for their services in different ways depending on the complexity of the case and the type of bankruptcy being filed. Common payment structures include:
- Flat fee: Many bankruptcy lawyers charge a flat fee for handling Chapter 7 or Chapter 13 bankruptcy cases. This fee usually covers the entire process, from preparing and filing paperwork to representing you in court.
- Hourly rate: For more complex cases, such as Chapter 11 bankruptcy (often used by businesses), some lawyers charge an hourly rate. Hourly rates typically range from $150 to $500 or more.
- Retainer: In cases where ongoing legal services are required, such as in Chapter 11 bankruptcies or complex Chapter 13 cases, a lawyer may request a retainer, which is an upfront payment billed against as the lawyer works on the case.
It’s important to discuss fees with your lawyer upfront, as bankruptcy law requires lawyers to disclose all fees and ensure they are reasonable and fair.
How Much Does a Bankruptcy Lawyer Cost?
The cost of hiring a bankruptcy lawyer varies depending on the type of bankruptcy and the complexity of the case. General cost estimates include:
- Chapter 7 bankruptcy: For individuals, legal fees usually range from $1,000 to $3,500. This flat fee generally covers the entire process.
- Chapter 13 bankruptcy: For individuals filing Chapter 13, legal fees typically range from $2,500 to $6,000. This cost is higher because of the additional work required to create and manage the repayment plan.
- Chapter 11 bankruptcy (for businesses): Chapter 11 bankruptcy is more complex and usually more expensive, with legal fees ranging from $10,000 to $50,000 or more, depending on the size of the business and the complexity of the debt restructuring.
- Filing fees: In addition to legal fees, there are also court filing fees, which are $338 for Chapter 7 and $313 for Chapter 13 as of 2024.
Always ask for a detailed cost estimate during your consultation to understand what services are included and whether payment plans are available.
Top Questions to Ask a Bankruptcy Lawyer
Before hiring a bankruptcy lawyer, it’s important to ask key questions to ensure they have the experience and knowledge to handle your case effectively. Key questions to ask include:
-
What experience do you have with bankruptcy cases?
Ensure the lawyer has experience handling cases similar to yours, whether it's Chapter 7, Chapter 13, or Chapter 11 bankruptcy. -
How do you charge for your services?
Clarify whether the lawyer charges a flat fee or hourly rate, and ask for a detailed breakdown of costs, including filing fees and additional expenses. -
Which type of bankruptcy is best for me?
Ask the lawyer to explain whether Chapter 7, Chapter 13, or Chapter 11 is the best option based on your financial situation and long-term goals. -
What debts can be discharged?
Ask which of your debts will be forgiven through bankruptcy and which debts (such as certain taxes or student loans) may not be dischargeable. -
How long will the process take?
Bankruptcy cases can take time to resolve, so ask the lawyer how long they expect the process to last, from filing to discharge. -
Will I be able to keep my assets?
Ask if you will be able to keep important assets, such as your home or car, and what exemptions might apply. -
What happens after bankruptcy?
Ask about the impact of bankruptcy on your credit score and what steps you can take to rebuild your credit after the bankruptcy is finalized.
How to Check the Credibility of a Bankruptcy Lawyer
To ensure you are hiring a reputable bankruptcy lawyer, follow these steps to verify their credentials and track record:
- Verify their bar status: Check with your state bar association to confirm that the lawyer is licensed to practice law and has no history of disciplinary actions.
- Look for bankruptcy experience: Review the lawyer’s website or professional profile to ensure they specialize in bankruptcy law and have successfully handled cases like yours.
- Read client reviews and testimonials: Look for client reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s professionalism and ability to handle bankruptcy cases.
- Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on bankruptcy matters.
- Check for certifications or memberships: Look for lawyers who are members of organizations such as the National Association of Consumer Bankruptcy Attorneys (NACBA) or who have specialized bankruptcy law certifications.
What Should I Prepare for My First Consultation?
To get the most out of your first consultation with a bankruptcy lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:
- List of debts: Prepare a detailed list of all your debts, including credit cards, personal loans, medical bills, and any secured debts such as mortgages or car loans.
- Income and expense records: Bring documents that show your current income, such as pay stubs or tax returns, and a list of your monthly expenses, including rent, utilities, and other essential costs.
- Asset information: Provide information on any assets you own, such as your home, car, investments, or other valuable property.
- Credit reports: If possible, bring copies of your credit reports to give the lawyer a clear view of your financial situation.
- Questions for the lawyer: Prepare a list of questions you have about the bankruptcy process, the lawyer’s fees, and what to expect after filing for bankruptcy.
By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice tailored to your needs.
