Couple with Debt in Trouble

Bankruptcy is often a last resort, but is designed to give honest people a fresh start. At Inner Banks Legal Services we have Sarah Beth Withers, an experienced bankrupty attorney, who will be able to assist you in your journey to becoming debt-free.

Our team is here to help evaluate your situation and explain the benefits and impacts of a bankruptcy filing. If you're experiencing problems with financial emergencies, unexpected medical bills, job loss, or even credit card debt, reach out for a free consultation.


Some of the most common questions we get about bankruptcy include:

  • Can I keep my house?
  • Can I keep my car?
  • Will I lose all my property?
  • Will I lose my job?
  • Will my credit be ruined?
  • How much does it cost to file bankruptcy?

Inner Banks Legal Services is a Debt Relief Agency

We help individuals file for bankruptcy under Chapter 7 and Chapter 13 of the bankruptcy code.

There are many factors that are considered when determining which chapter of bankruptcy is right for you. Here is a brief explanation of the different types of bankruptcy our firm handles:


  • Also known as liquidation bankruptcy, non-exempt assets are sold to pay debts. However, North Carolina has generous exemptions, which means you may be able to retain many, if not all, of your assets.
  • Chapter 7 bankruptcy can provide relief, or discharge, for credit cards, medical bills, deficiency balances, unsecured loans, store accounts, some tax debts, and more.
  • Chapter 7 cases are often completed in 90 days, and allow for faster rebuilding of credit afterward.
  • Chapter 7 cases cost less, but there are income requirements to qualify.


  • Also known as reorganization bankruptcy, Chapter 13 cases allow an individual to propose a plan to catch up secured debts, repay taxes, and pay a fraction of the amount owed to unsecured debts.
  • The case usually lasts between 3 and 5 years.
  • Chapter 13 bankruptcy can protect individuals who are facing vehicle repossession and mortgage foreclosure.
  • Chapter 13 plans can consolidate your debts into one monthly payment, which the bankruptcy trustee accepts and disburses to your debts according to the plan you propose; simplifying your monthly bill payments.


At our free consultation, we walk you through the types of bankruptcy, answer your questions, and discuss alternative options if bankruptcy is not the right fit.

Unlike other bankruptcy firms that offer the same flat rate to all of their bankruptcy clients, Inner Banks Legal Services provides high quality bankruptcy services at a fair and reasonable rate. We calculate each individual rate on a sliding scale, taking into account your household size and income.


Wondering what it may cost for you to file a bankruptcy with Inner Banks Legal Services? Utilize our calculator for an estimate.

STEP 01: Enter the number of people who reside in your household. Include all persons who live in your home full time, including you.

STEP 02: Enter your annual household income, including all sources of income for all contributing household members.

How many people live in your household?

What is your annual income?


Click calculate above to see your estimate!

*This is only an estimate, calculated on your input for household size and annual income. The estimated amount is subject to change based on your consultation with our attorneys and adjustments to your household size and income by our attorneys.

*The estimated flat fee includes the attorney fee, court filing fee, credit counseling and financial management fees. In some circumstances, there may be additional fees for additional services related to your specific case.

*If you are filing a chapter 7 bankruptcy, the entirety of the fees must be paid prior to the filing of your case, but please ask us about setting up a payment plan! If you are filing a chapter 13 bankruptcy, a minimum of $660.00 is due prior to the filing of your case, and the remainder of the fees can be included in your monthly chapter 13 plan payment.

Contact us today for your free consultation!

Inner Banks Legal Services is a debt relief agency as defined by 11 U.S.C. §528.
We help people file for bankruptcy relief under the Bankruptcy Code.