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10 Sep, 2024 by Jay poff
They are honest and made me feel like a priority. I will always utilize their services
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11 Apr, 2024 by James
Working with Heather, Cindy and others in the practice was seamless, extremely professional and personal. I would ask them for legal help without question in the future.
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25 Jan, 2024 by Robert
I cannot say how much I appreciated Heather, Cindy Baker, and Dave Dimatteo during this very difficult time in my life. A "perfect storm" of a bad partnership and COVID 19 forced my to have to declare bankruptcy on my 20 year old practice. To compound things, the "bad partner" was also suing me at the same time. That is all behind me now. I am back at work, free of the cumbersome debt that I was left with, and able to resume my life. Thank you so much Heather and team for helping me through this! I am grateful forever!
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19 Sep, 2024 by Cs gr
Mr. Dixon's services were great, couldn't ask for a better attorney to handle my citation. I highly recommend him.
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18 Sep, 2024 by Stuart mull
They were professional and courteous and delivered quick resolution on my traffic violation in Tyrell County. I highly recommend Dixon & Thompson Attorneys at Law!
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17 Sep, 2024 by Laura abril
I had a wonderful experience working with Mr. Dixon on a speeding ticket and tint citation. The staff was extremely professional, prompt, and helpful. The tint citation was dismissed and the speeding ticket was reduced to a city code violation. I was able to handle all needed business from out of town or out of state. I highly recommend their services.
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08 Jul, 2024 by Jonathan golden
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08 Apr, 2024 by Carlos alvarez
Lo máximo
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12 Feb, 2024 by Vickie hawkins
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23 Sep, 2024 by Ana swindell
Excellent support, and above all, a lot of confidence, for all those who at some point have many doubts and questions, this place has a great service! Thanks!!! ❤️
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31 Jul, 2024 by Corey garman
My son got a traffic ticket which had to be resolved before he could leave for military boot camp in several weeks. If the ticket could not be closed quick enough he would be discharged from enlistment. Inner Banks Legal was very sympathetic to the timeliness to this request. They stayed in communication throughout the process, and even got the ticket reduced and closed ahead of expectations. My family is very grateful to the team at Inner Banks Legal.
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19 Jun, 2024 by Daniel goodwin
Inner banks legal services were so helpful and kind throughout this whole process. Thank you so much for all the help and guidance!!
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02 Sep, 2024 by Anonymous
l asked a question on AVVO and he provided clear and direct answers. I am beyond grateful. Thank you!
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10 Jul, 2024 by Anonymous
I have asked a few questions on Avvo and he answered most of them very soon. I appreciate his help.
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01 Dec, 2023 by Tecora
This lawyer was incredibly helpful to me when I had an issue with a former Landlord. He provided context, perspective, and helped me to see what my issue really was. I tend to be very wordy, but he helped to make things more concise for me. For that I am extremely grateful. He provides great advice! God bless!
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23 Aug, 2024 by Anonymous
Mr Wood was very knowledgeable and thorough in helping me through the bankruptcy process. I highly recommend him!
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09 Feb, 2024 by Anonymous
It’s a long process. But he got the job done. He is very thorough. Would recommend to anyone.
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09 Jan, 2024 by John
A series of unfortunate events, and a couple really stupid decisions, lead me to the point where filing for bankruptcy became my only fiscally prudent option. Confused and embarrassed, I reached out to Patrick for assistance in filing Ch.13. From the very beginning, Patrick was nothing but professional, encouraging and patient. After making doubly sure with me that bankruptcy was how I wanted to proceed, he quelled all my fears and trepidations by explaining the entire situation and process with me. It’s never a good thing to have to accept you colossally screwed up. However, it’s a lot easier to swallow your pride and accept reality when the person helping you is as close to a “friend” as you can get in this type of situation. For the entire 3 years I was Patrick’s client, he was always available, always friendly and always understanding. Should you find yourself needing to file for Ch.13, do yourself a favor and make the whole thing infinitely easier and better by having Patrick Wood be your lawyer.
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30 May, 2015 by Anonymous
Doug was wonderful! He was very knowledgeable and took his time to make sure my husband knew all of our options and had all the information we needed. I would definitely recommend him!
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08 May, 2015 by Will
I arrive at my appointment early and Mr. Hall did not hesitate to meet with me. I appreciated all the insight that he provided. I felt as if he wanted to provide the best help with my concern and he remained respectful throughout our conversation. I would recommend his service to any one of my colleagues and family members.
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08 May, 2015 by Galon
I needed a will and other related documents prepared and Mr Hall responsed right away via email. I told him what my needs were and he was able to prepare all the right documents immediately. He always was very nice, respectful and timely. After I received the documents I was able to set up a time to meet him at the office. When I arrived everything went smoothly and he answered all the questions I had. I highly recommend Mr Hall to any potiential clients! Thank you so much for all your help. I feel secure knowing my family is taking care of!
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15 Sep, 2016 by Bethany
Dennis Sargent was amazing from the get go. He was patient with me, making sure I had all the details of my seperation agreement finalized before proceeding to file for bankruptcy. He was very prompt with responses and utilized a lot of online tools to help facilitate an easy process. Having to go through a divorce and file for bankruptcy was very hard, stressful and emotional but Mr. Sargent was very clear in explaining each step of the process and how to obtain all the documents and information he needed to best help me. He made me feel so at ease and confident that I was making the right decision in filing for bankruptcy. Top class gentleman and attorney . Highly recommend.
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03 Jun, 2016 by Leland
We are still awaiting the final outcome, but so far we could not ask for better counsel, more expert service. We thank you, Dennis, for all your efforts.
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19 May, 2016 by Anonymous
Atty Dennis Sargent assisted me with my bankruptcy case. He has a sense of professionalism and expertise that I found to be unmatched by others in the business. Atty Sargent is honest and straightforward, and flawlessly handled my case. I might also mention that Atty Sargent's fees were very competitive, and affordable. I would definitely hire this attorney again.
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26 Oct, 2023 by Anonymous
Jeanne has been such a pleasure to work with. From the 1st phone call to her office up until the day my case was complete she played a vital role in keeping me informed, making sure I had everything needed prior to her submitting the paperwork, and educating me on the steps. I really appreciate her being my attorney and being available when needed.
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11 Sep, 2023 by Jamila
I found Jeanne Ann Pennebaker right here on Avvo after she responded to my bankruptcy question. She was direct, responsive, and professional. I was skeptical about filing because I had a not-so-great experience in NY; However, Esquire Pennebaker kept me informed at every stage in the process. I am forever grateful for the fresh start that this bankruptcy has afforded me. Thank you, Jeanne, for your hard work and dedication!
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01 Jun, 2023 by Anonymous
Our attorney, Mrs. Pennebaker, walked us through the entire process however; we had a few bumps in the road and we were able to maneuver around those obstacles with her knowledge and guidance. Great person to talk to and made us feel at ease through out the process. Highly recommend her service. Jeanne, we like you but we don't ever want to go through this service again.
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16 Apr, 2019 by John
Outstanding advice, service and knowledge. Walked me through every step of the process. There were no surprises. Mr Butler got the best possible legal results for me. I would highly recommend Al Butler. A very professional and personable attorney.
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12 Apr, 2019 by Tim
You can't live in this world without a problem or two - after retiring, we faced a significant issue with a prior residence in Tennessee - Mr. Butler's professional guidance and recommendations enabled us to work through that problem - this took a number of years but it is finally behind us and we are so appreciative for Mr. Butler's advice, continuing legal assistance over this period, and for his compassionate support throughout!
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10 Apr, 2019 by Anonymous
My lawyer was thorough and to the point and took care of my problem quickly. I wanted to foreclose on some property and the owner took bankruptcy. He was able to get it out of the bankruptcy proceedings. He was very friendly and made me not be nervous. His fees were reasonable.
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16 Mar, 2018 by Anonymous
I was trying to rent a house from your Dad and when he reviewed my credit history he referred me to you .That was three years ago, I'm truly thankful for all of the advise and encouragement that was given during this process. It feels good to be debt free
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06 Feb, 2017 by Anonymous
Saw Brent two different times with questions. He gave excellent advise and did not charge a penny.
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18 Aug, 2016 by Anonymous
Brent Wootton really took his time explaining the process to us and answered all of our questions. He treated us with the upmost respect and was very kind. We would recommend him to anyone who has questions about Bankruptcy.
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28 Jan, 2024 by James j.
I am thrilled to share a review of my experience with Lapas Law Firm, particularly with the exceptional personal service and dedication of Adrian Lapas and his team. My journey with Lapas Law Firm has been nothing short of outstanding, and I am genuinely satisfied with the level of professionalism and expertise they have consistently demonstrated. From the very beginning of my legal matter, Adrian Lapas displayed a deep commitment to my case. His attention to detail, legal knowledge, and genuine concern for my well-being were evident from our first consultation. It was clear that he and his firm were dedicated to achieving the best possible outcome for their clients, and this dedication never wavered throughout the entire process. One aspect that truly stood out was the respect and reputation that Lapas Law Firm has within the legal community, particularly with trustees. It was clear that Adrian Lapas and his team were well-respected by their peers, which undoubtedly played a significant role in the positive outcome of my case. This level of professional respect is a testament to their unwavering commitment to excellence and their clients' best interests. Furthermore, the respect and dedication that Lapas Law Firm demonstrated towards me as a client were unparalleled. Adrian and his team were always available to answer my questions and provide guidance, ensuring that I felt well-informed and supported throughout the legal process. Their responsiveness and willingness to go the extra mile made me feel valued and reassured during what could have been a stressful time. In conclusion, I cannot express my satisfaction enough with Lapas Law Firm and the exceptional personal service and dedication of Adrian Lapas and his team. They are a shining example of what a law firm should be – knowledgeable, respected, dedicated, and genuinely caring about their clients' well-being. I highly recommend Lapas Law Firm to anyone seeking legal representation, as they have undoubtedly earned my trust and gratitude for their outstanding work.
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07 Apr, 2018 by Daniel
After simultaneously experiencing a protracted period of unemployment and a difficult divorce and losing everything I found myself buried in debt that would take the rest of my life to repay. I was being sued by creditors and unable to get credit anywhere when I reached out to Adrian. He quickly assessed my situation and advised me that a Chapter 7 bankruptcy was the best option for me and immediately assisted me in responding to a lawsuit notification I had received before I had actually hired him. He walked me through the process and kept me updated and always took my calls and responded promptly to my emails throughout the whole process. With his assistance I successfully received a discharge for a Chapter 7 bankruptcy in just under 90 days. It changed my life. Since then in just under 2 years I have restored my credit, purchased and financed a brand new vehicle, and just recently moved into a brand new home I was able to finance through my credit union. Adrian has even helped me deal with a couple of creditors that popped up after the discharge and quickly resolved those situations. This was the best decision I ever made and I have my life back because of Adrian. Thank you.
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22 Jul, 2015 by Anonymous
Impressive! Very thorough in his answer, smart, knowledgable and extremely helpful. One of the best attorney in the field. I have spent these past months meeting with different lawyers and not one came back with such clear, smart and accurate legal advice. Frankly, I'm looking forward to hire him fror his knowledge, his ability to be clear, precise and to understand the subtlety of my case. I definitely recommend him big time!
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14 Sep, 2012 by Anonymous
I came to Mr. Wilson after a work injury not really understanding anything about the process. He and his paralegal got me the treatment I needed, kept me informed throughout the process, and got me a great result. I am glad I called Merritt Webb.
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14 Sep, 2012 by Eric & lynn
We have been dealing with Mr. Wilson and his staff for two years, They have been very professional in every matter we have encountered. They have always been prompt in answering any concern we have had. It has been a very long and tiring battle for us to come to the life changing situation we find ouselves in, but with Mr. Wilson and his staff that situation was made eaiser. I would like to say thank you to Mr.Wilson and his staff!
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30 Mar, 2012 by Stephen
Hired Mr. Wilson for two seperate cases and have been very pleased with his expertise in his field of law. Not only is he knowledgeable, Informative, and concerned for his clients well being, so is his staff. We have worked with Mr. Wilson one on one, but also his paralegal Wendy, we are very pleased with the fact that he enjoys what he does and gets personal satisfaction in his clients satisfaction not like other lawyers that we have had, only looking at the check that goes in there pocket! Mr. Wilson is definately an ASSET to his firm! along with his years of service to me and all of his clients! Keep up the excellent work Mr. Wilson you are a blessing to those in need of your talent!
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28 Feb, 2013 by James
Brian recently helped me put together a will and provided counsel during a home refinance. He provided excellent service. He was patient, listened, and thoroughly answered my questions. He made me feel comfortable as I planned for the future and put me at ease knowing my family would be well cared for if anything should happen to me. He gave me one of the most valuable gifts I could receive: peace of mind.
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19 Feb, 2013 by Jody
I've had the opportunity to work with Brian and his staff for more than 5 years now. In addition to Brian's expertise and professionalism, I have seen how Brian handles complex situations in a trustworthy and thorough manner. Brian will listen to your concerns and questions, research the matter, and provide a well thought out recommendation. In addition to professional ability, he also is easy to work with and wants to help the client.
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18 Feb, 2013 by Brenda
Brian is an excellent attorney. He makes you feel that your case is the most important to him. Listens, takes notes, makes you feel at ease in talking with him. Very professional, explains what is happening and what to expect in the next steps of your case. Goes out of his way to do research on your case. He understands this is something I don't do for a living and explains and helps you understand the process of the case. Brian helped me with the estate of my Father and is helping me with the trust that he left which my family is protesting. We are still in the process of finalizing the trust and I have the confidence Brian will succeed in getting this case to a close.
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07 Oct, 2021 by Jo
In working with Ms. Collier for my bankruptcy, I was very please with the level of service she provided me. I walked into her office unsure and afraid of what I was about to do. Christina took me on and spent a lot of time explaining things to me and making the process less intimidating. I would recommend her for ANY financial or real estate needs you have. She is very professional and kind.
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26 Jan, 2018 by Anonymous
In a million years I would not have imagined I would have ended up in such a difficult and emotionally draining divorce proceeding, but I did. Christine was referred to me by a friend. She was patient yet direct with me. She was kind but firm. I trusted her, because she genuinely had my best interests at heart. She was clear about what she would and would not do for me. The opposing Attorney was ruthless. and rattled me at times. She kept me focused, accountable and on track. Only by the grace of God did our disaster end well and our marriage was restored. Once she was sure I was of sound mind she was genuinely happy for us, even though she knew the details of our messy situation. My husband's Attorney did not take it as well, he was in it from what I experienced for the "thrill of the hunt." Christine was seeking the best outcome possible for me and always presented the highest levels of honesty and integrity every time I worked with her. Christine is a "Best in Class" Attorney and an Incredible Woman whom I respect immensely. I recommend her services without reservation.
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08 Jun, 2012 by Anonymous
Ms. Collier was extremely knowledgeable and helpful. She guided me during an extremely stressful time in my life without being judgmental or condescending. She helped me understand the Chapter 7 process in common sense terms but did not speak down to me. She provided quality service at a very reasonable price.
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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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05 Oct, 2020 by Anonymous
When we came to Elizabeth and her team we were navigating one of the most challenging times in our life and business. We had no idea what to expect and needed someone to help us understand next steps that would ensure the best outcome for our future! Elizabeth and her team did that and MORE. From clarifying each step along the way, to providing us with insight on which options were best for us, we always felt comfort in knowing Elizabeth and her team had our best interest in mind! Working with Elizabeth was the smoothest process we could have ever hoped for and we would work with her a hundred times over! Elizabeth is kind, prompt, professional and knowledgeable. We will always recommend her to anyone looking for the best experience!
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14 May, 2020 by Anonymous
Elizabeth Lawson was very helpful through this entire process of bankruptcy from the beginning till the end. Everything was well explained and prepared. I would recommend her to anyone
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11 Jul, 2013 by Gwen
I was in danger of losing my home and Mr. Felden and his staff not only helped me save my home from foreclosure, he also got rid of my second mortgage entirely!! Plus he got my car payment cut in half!! I highly recommend Mr. Felden.
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10 Jul, 2013 by Ann
I highly recommend Mr. Felden to handle your bankruptcy case. Both he and his office are extremely helpful and professional. They helped me through one of the most difficult times of my life and literally gave me my life back. When I first started investigating filing bankruptcy I was overwhelmed and confused by all of the complex and conflicting information I found online. Mr. Felden was able to break everything down for me and explain everything to me in a simple straightforward manner. He is obviously well liked and trusted by the bankruptcy trustee and clerks who seemed to enjoy working with him. An overall wonderful experience for me through a difficult time in my life.
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30 Jun, 2023 by Anonymous
Mr.Kiernan is a a very good lawyer if he tells u want he going to do for you he does it.he will always be the lawyer I pick in sampson county
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17 Feb, 2014 by Christal
I DID NOT SELECT POOR FOR ANY CATAGORY I SELECTED ALL EXCELLENT BUT NOT ALL WOULD CHANGE FROM POOR. . .Mr. Keirnan is outstanding as an attorney and a very thorough attorney at that. He is not judgemental and treated me with sincere respect even having the charges I did. Most aren't like that. He is smart and honest. Even Duplin Counties assistant DA has give him alot of challenge and has made it an effoet to put his ability to the test. So far he is still standing strong and deserves to be acknowledged for his excellence. Thank you for all you have done and continue to do for me Mr. Keirnan.
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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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28 Jan, 2014 by Seth
She saved me AND my Wife!! If it weren't for her I would Be homeless! I have seen bad lawers before But She is definitively the one! I will definitely come back!
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19 Feb, 2015 by Cris
Did my mother's estate, liked him so well he did my father's estate, too. Very knowledgeable and patient, great rates, made the entire process as painless as possible. Would highly recommend.
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03 May, 2016 by P.m.
Russell is an excellent attorney. He is exceptionally detailed and takes the time to explain your case and answer all your questions. Even on short notice, he met with me and completed all the work needed in time. I was extremely impressed. He is trustworthy, honest, and really cares about his clients. He made me feel like I was not alone anymore and he was there to support me completely. I will never be able to thank him enough for all his hard work.
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30 Apr, 2013 by Patty
Jason Watson pulled me aside during my 341 meeting and went over my case before we met with the Trustee. He answered all of my questions and addressed my concerns. Mr. Watson was very considerate and respectful to my feelings and stress during this difficult time.
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29 Apr, 2013 by Jared
Bankruptcy was a very important choice to make and it was something I could no ,longer avoid. I tend to research things to the point of absurdity and Lee Roland was a perfect fit for me. He was able to answer all of my questions without having to consult anyone else. I had previous consultations where my questions had to be put on hold until someone else could answer it. Lee Roland was a straight shooter whose knowledge and patience was exactly the attorney I needed. If you have a complicated bankruptcy case, Lee Roland is the person to see.
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14 Oct, 2015 by Beth
Words cannot express our gratitude for all the time, patience and work Philip Sasser did to help us resolve the issues that our previous attorney had failed to complete three years prior. Excellent attorney!!!!!
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20 Oct, 2011 by Richard
very responsive; a very fine decent human being. I came in from 500 miles away and only had a credit card on me. He actually paid the filing fees out of his own pocket and waited until I returned home to send him a Money Order. How many lawyers would do that? when the case involved an emergency motion, he even volunteered to have another attorney take the case over from another firm, so my nephew (the client) would not be jeopordized by any delay.
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13 Nov, 2017 by Joseph
Richard Cook was recommended to us by another attorney. We had severe financial problems and were considering filing for bankruptcy protection. Our situation was extremely stressful. And, because my business was failing we had very little money. In the first meeting, Richard reviewed all of our information, requested additional information, where necessary, and explained all of our potential options. Once we provided the additional information he presented his recommendation, fully explaining his logic and the bankruptcy laws that drove that logic. He was clear, succinct, and kind, which significantly reduced our stress level. He was also reasonably priced and didn't keep adding additional costs. We filed for chapter 7 bankruptcy protection. Richard and his assistant Ruth guided us through every step of the bankruptcy filing and we were able to eliminate most of our debt, while keeping some semblance of self respect. We now have a fresh start and no longer feel that every day presents insurmountable financial obstacles. Richard Cook offers outstanding knowledge and results at a reasonable cost. We are so grateful to have worked with him.
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18 Oct, 2022 by Paul parker
What can I say? Good people.
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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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.

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