North Carolina Bankruptcy

(800) 870-9465 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!

If you have property that is mortgaged, or that has a consensual lien on it (where you gave the lien) , you have some alternatives in a Chapter 13:

You can keep making timely payments.

If you are behinfd on your payments, you can catch up on the through the Ch 13 plan.

You can always surrender the property and pay for it as if it were just another unsecured debt at perhaps as little as 10% (Middle District 25%) on the dollar.

Completely Strip a lien. Example: If the home is worth less than the 1st mortgage you may be able to strip away the second mortgage because it is essentially an unsecured debt. But there must not be one dollar in equity for the second mortgage or the whole mortgage survives.

A Chapter 13 can destroy a second mortgage that has no equity in the home. Also in a Chapter 13, although the lien is not destroyed the secured clam is divided into a secured and an unsecured part and only the secured part is paid in full. The unsecured part is paid as if it were an unsecured debt.