Duncan Law – Bankruptcy Attorneys with Free Consultation and Payment Plan

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Many of those going through financially tough times face a catch-22 when it comes to filing bankruptcy.  Someone looking to file bankruptcy usually has more debt than they do money.  Therefore, liquid cash is at a premium.

Bankruptcy prices in North Carolina and across the nation can range anywhere between $1,200 to $4,000.  Many attorneys require that their clients pay in one lump sum and pay before any work is done on their bankruptcy.  That means too often someone interested in filing for bankruptcy has to pay the full amount before an attorney will even sit down with them.

At Duncan Law we are different.  At Duncan Law we offer a free consultation and, more importantly, a payment plan.

Free Consultation – when you set up an initial appointment with Duncan Law it is free of charge.  No strings attached.  Our top priority is to make sure that our clients are happy and only file bankruptcy if they need to.  We know that if we treat those who come in to see us the way we would want to be treated, they will refer others to us, even if together we decide bankruptcy isn’t the best route for them.  At your free initial consultation you will get quality information and guidance from one of our attorneys that will help you make a decision that best fits your situation.  Go ahead, set up your free consultation by contacting Duncan Law today.

Easy Payment Plan – we are confident that at Duncan Law we have competitive attorneys fees that offer great value and service.  We also allow YOU to set up a payment plan that works on your schedule.  Whether it is two lump sums or several payments over a few months we work with you to make sure that you are able to get fresh financial start.  However, by law we have to have all of the attorney’s fees paid in full before we are able to file your bankruptcy. Despite this, we are willing to work with you on your bankruptcy before the full fees are paid.  This can help harassing phone calls that you may be receiving.   Contact us to learn more about our payment plan and how we can help you get a new start in these tough times!

What is a Chapter 13 Bankruptcy?

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For individuals, there are two common types of bankruptcy: Chapter 7 bankruptcy and Chapter 13 bankruptcy.  We discussed Chapter 7 bankruptcy in a previous post, but as a quick refresher, Chapter 7 bankruptcy is a liquidation bankruptcy that will allow a person to eliminate most of their unsecured debt such as credit cards, medical bills, and personal loans.

On the other hand, a Chapter 13 bankruptcy is a repayment plan.  People who file Chapter 13 bankruptcy are often behind on their house or car payments and want to keep their house or car.

As mentioned in the Chapter 7 bankruptcy post, some individuals may be required to file a Chapter 13 bankruptcy instead of a Chapter 7 bankruptcy if their income exceeds the amount allowed by federal bankruptcy laws.  You would need to visit our office for more detailed information on this bankruptcy law requirement.

In Chapter 13 bankruptcy, the repayment plan usually lasts 3-5 years, and monthly payments are made to the Bankruptcy Trustee.  In order to file a Chapter 13, however, you must show sufficient income to make your monthly payments to the Trustee as well as provide for your family as you normally would.

We encourage you to contact our offices for a free consultation to learn more about how bankruptcy can help you eliminate your debts.

-Stephen

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I am very happy with my experience with Mr. Duncan, his fees are right on. his office is extremely helpful. the few trips to his office were very educational. I was very impressed with the fact that the day of the hearing he took ALL of us to the side and walked us though what was about to happen [none of the other lawyers did that].

-John

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I recently had a financial problem due to loss of income, and I emailed your office about bankruptcy filing. Within minutes, I received a reply and my questions was dealt with in a prompt manner.  Your customer service is of exceptional quality, and I wish to thank you and your staff for providing such excellent service.

-Tony | Trinity, NC

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“I just can’t believe that anyone could have done a better job than Damon and Melissa. The reason we feel this way is they both bent over backwards for us from beginning to end and after. They did things that really wasn’t required of them. Right now if I needed to talk to either one of them I could. They treat you like family.”

– Suzy | Greensboro, NC

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“Damon and Melissa Duncan are the best attorneys that I have ever had the pleasure of meeting. Most attorneys make you feel like your incompetent and nervous but they made me feel right at home the minute I walked into the office. They make everything so easy that you almost forget what you are there for.”