Free Initial Contract (919) 627-7748 If you are going to North Carolina Bankruptcy Court or need a North Carolina Bankruptcy Attorney then you need Cameron Law. Better in most cases then the touted "credit management", "debt reduction", "debt consolidation loans", "credit repair" and, "debt settlement"; It allows a fresh start and the ability to clean up your credit. Unlike a North Carolina Bankruptcy, none of the others help your credit, and most will damage it more.
Do you need Financial CPR+?
Cost - We strive to keep our cost down. We charge only $999* for a Chapter 7 Bankruptcy! Yes we have payment plans!
Personality - We are proud of our claim:
. . .
Bankruptcy Law at its Friendliest!
Resourcefulness - We work hard to get you the best deal and most options possible!
+ Plus - We are open most weekends and evenings and work via Internet, Phone & USPS - No need to come to our office!
• Complete credit counseling if not already finished. Notify attorney of such.
• Complete complete financial management course. Notify attorney of such.
• Complete reaffirmations with required counseling if not already finished. Notify attorney of such.
• Complete intentions as stated in "Statement of Intentions". Notify attorney of such.
• Save up enough money for the payments on the debts you know you will reaffirm, so you will be able to "catch up" when you are offered a reaffirmation. If you are redeeming the car there is no reason to make any more payments you will simply pay the lump sum and buy back your car.
• Do not release any property to a Creditor until you are told to (usually, at the 341 meeting which is about 3-6 weeks after you file and it can be much later).
• If a secured Creditor calls, you may wish to negotiate a reaffirmation or redemption, or you may wish to advise him when and where to pick up his security (if you have been told by us to do so). You are better off negotiating any reaffirmation with a secured Creditor yourself, because you know better than we do what your property is worth. Secured Creditors may appear at the 341 hearing to negotiate reaffirmations.
• It is best that you negotiate a reaffirmation at the 341 hearing because you make the decision while your Attorney is present to give advice. The better Creditors will appear at the 341 meeting if they can. Some intelligent secured collectors may have even advised you to file a Chapter 7 because they knew that you would be better able to repay them after discharge of your unsecured debts. A call from a secured Creditor should be a friendly call just to find out whether or not you wish to reaffirm. If the collector becomes abusive, ask him to work out the reaffirmation through your Attorney.
• An innocent unsecured Creditor may call because he failed to get notice. Often the bankruptcy notice goes to one branch, but the collection department never gets the notice. However, there are also a few unsecured Creditors that have no respect for the intent of the Court order. Please tell any unsecured Creditor that continues to call you to call our office. If they continue to call you, you should record the call so we can take them to Court. Just telling them that you are recording the call will normally stop the calls forever. Remember, we depend on you to gather the proof that they are calling you and intentionally violating the order: The same person or company that does not respect the law and Court orders will normally lie and claim that they never made the call. You have the burden of proof, and it is not illegal for you to record his conversation and later use it against him. We do not wish to sue any Creditor that just makes a minor or honest mistake, but we do wish to nail any company or person that ignores the law. Creditors have gone so far as to call your work and claim there was a death in the family, just to get you to call him back. We never advise you to sign a reaffirmation with an unsecured Creditor. For a reaffirmation agreement to be valid, your Attorney must sign it.
• Obey all orders from the Court and the Trustee and fill out your paperwork honestly.
1) If you earn more than 10% of what you reported in your petition, you need to report it.
2) If there are no issues you should receive a discharge in about 60 days - but no promises.
3) One of the main benefits of chapter 7 is the discharge of all personal liability on secured debt. This means that you are not liable for any extra charges on secured debt should you get behind and turn it back. Creditors don't like this, so they will be a little more prone to foreclose or repossess than usual.
I STRESS Chapter 7 clients must BE absolutely current in the payments for homes or cars that they want to keep before they file and KEEP current so long as they want to keep the collateral. Due to the stay, auto debits may stop and they need to CHECK to be sure and if the auto debit stops, pay directly until they can get it set up again.
3) Write a brief note that we can use as a reference later. Your last name will be withheld for confidentiality.
4) Take $500 of your money and get a secured loan at a bank for a long period of time where there are no early payment penalties. Repeat this 3-4 times. Pay the minimum amount in a timely fashion for 3-4 months. Then close the accounts and get your money back. Now you have had these banks reporting your faithful payments to the credit bureaus!
5) If you have a stable income, and enough of it, you should be able to get a mortgage in one year (as long as you make all payments on time!). Ask your bank to help you reestablish your credit.
6) Refer your friends to Cameron Law.
*See contract for details
2004(c) -2010(c) Sheree Cameron, Esq. All Rights Reserved. Privacy Policy
Cameron Law is a Congressionally designated and Federally mandated Debt Relief Agency who's practice includes bankruptcy.
Disclaimer (the fine print): This web site is not legal advice, and it may not be applicable to your own personal situation. An attorney-client relationship is not established by reading or interacting with this web site.
Who is Attorney Sheree Cameron (Bar #31432)?
Sheree is Licensed in ALL the Districts (Eastern, Middle, and Western Districts) of North Carolina.
If you are going through hard times, you need Cameron Law. Better in most cases than the touted "credit management", "credit reduction", "debt consolidation loans", "credit repair", and "debt settlement"; North Carolina Bankruptcy allows a fresh start and the ability to clean up your credit.