You are looking for a bankruptcy attorney in Charlotte, North Carolina and probably want to find the best attorney for the most reasonable price.
When filing bankruptcy in Charlotte, there here are 5 attributes that we look for in bankruptcy attorneys, which are 1) Rate 2) Reviews 3) Relevance 4) Reliability, and 5) Referral. We also care about bankruptcy attorneys who offer free consultations and payment plans. See the table below for bankruptcy lawyers servicing Charlotte. Please note the following information is an estimate. Update the zip code if you’d like to refresh the list.
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Charlotte has a estimated population of 885708. What we found is that folks in bigger cities such as Charlotte or Raleigh like to often have bankruptcy lawyers who are close by. In smaller towns with a population under 20,000, some individuals actually like to hire bankruptcy lawyers far away because of potential angst about other individuals finding out about the bankruptcy hiring.
This is why we built the zip code updater, so you can update the zip code to where you’d like to hire a bankruptcy attorney, which potentially might not be in Charlotte.
The bankruptcy attorney fee in Charlotte is often based on a number of factors. Here are some of the factors:
We had mentioned earlier the population of Charlotte is 885708. As such, larger cities may have higher attorney fees and smaller towns may have lower attorney fees. For example, Greensboro may have a lower bankruptcy lawyer fee than Charlotte.
For example, Charlotte has a median household income of 62817. So, the income and general cost of living in Charlotte may dictate the attorney fees.
Secondly, the complexity of the case may dictate the cost of the bankruptcy. This is often the case with Chapter 7 bankruptcy. Do you own a home? Are you married? In Charlotte, approximately 42.5% are married. If you are married and filing with your spouse, you may have additional complexity to the case, potentially in a higher attorney cost. Secondly, are you a home owner? Approximately 52.9% of individuals in Charlotte own a home. With positive equity, you often check North Carolina bankruptcy exemptions to determine whether you can keep the home. So, if your case in Charlotte is more complex, your attorney fee may be higher.
Okay, let’s dive into how the type of case may result in higher or lower bankruptcy lawyer fees in Charlotte.
Chapter 7 bankruptcy is the most common bankruptcy in the United States. Of the 7,037 bankruptcies filed in North Carolina, my guess is the majority of those are Chapter 7 bankruptcies.
The Chapter 7 bankruptcy is often more simple. You can get a discharge (forgiveness) of debt in as little as 120 days. There’s often only one meeting and potentially less paperwork. Many people become nervous that they will lose belongings if filing Chapter 7 bankruptcy, but bankruptcy exemptions in Charlotte can help protect those assets.
As such the cost is often less. In North Carolina, the estimated Chapter 7 bankruptcy attorney fee is $900 - $1550. You can use our free Charlotte Chapter 7 qualification and cost calculator to estimate qualification and cost.
Chapter 13 bankruptcy is a payment plan bankruptcy, designed for those making regular income to pay back a part of their debts. The Chapter 13 bankruptcy is often 3 or 5 years, resulting in monthly payments in coordination with the Chapter 13 Trustee in North Carolina.
As such, the Chapter 13 bankruptcy is quite a bit more complex, so the estimated Chapter 13 bankruptcy attorney fee range in North Carolina is $3,700. The fee may be the same across Charlotte because of what’s called a no-look fee, which is a set rate for the reasonable fee for the service provided.
The Chapter 13 bankruptcy fee is often included in the Chapter 13 plan. Before you file Chapter 13 bankruptcy, you may also want to consider Chapter 13 trustee fees, which is an estimated 4.79% - 8% (Not Covered By Current Trustee Program)%. You can use our free North Carolina Chapter 13 Charlotte Chapter 13 payment plan calculator to estimate your complete Chapter 13 plan payment, which includes the estimated bankruptcy attorney fees, the trustee fees, and the disposable income calculation.
You can ask questions related to bankruptcy, and you can also get an estimate of what the bankruptcy lawyer fee will be in Charlotte. You can also get multiple opinions via free bankruptcy consultations if you didn’t jive with the attorney or you would like to discuss both types and qualification with another attorney.
Yes, many bankruptcy lawyers take a payment plan, and I would estimate that would be no different in Charlotte. A Chapter 13 bankruptcy is already a payment plan bankruptcy, so many Chapter 13 bankruptcy lawyers will take a payment upfront and then include the rest in the plan.
In a Chapter 7 bankruptcy, many lawyers will take payment plans, but the total attorney fee often has to be paid before filing. If an bankruptcy lawyer in Charlotte will only take all of the money upfront for a Chapter 7 bankruptcy and not provide payment plans, you may be able to find one that does take payment plans.
One of the most important attributes we look for in a bankruptcy lawyer in Charlotte is whether they are reliable. The reason for this is that there are certain deadlines that have to take place, and you need someone who will meet those deadlines.
Filing bankruptcy in Charlotte is a big decision, so it’s important to have a reputable bankruptcy lawyer if you decide to hire one.
The purpose of this article was to show you top bankruptcy attorneys in Charlotte while providing some insights on how to find a reputable bankruptcy lawyer. For example, you may consider looking at the rate, the reviews and ratings, the reliability, the relevancy, and any referrals to decide whether to hire a bankruptcy attorney. You can also contact us at any time for specific questions about bankruptcy attorneys in Charlotte.