Freedom from debt... FINALLY
Inner Banks Legal Services is here to help you find peace of mind with exceptional legal counsel at rates that you can afford.
Get financial relief and protection with Inner Banks Legal Services!
Are you feeling overwhelmed by debt? The team at Inner Banks Legal Services is here to help. With board-certified specialist attorney Sarah Beth Withers on your side, we protect you from creditors and get you on the path to becoming debt free.
We understand that bankruptcy is often seen as a last resort and that’s why we’ll work with you to explore all of your options and explain the benefits and impact of bankruptcy filing. Whether you’re dealing with collection calls, unexpected medical bills, job loss, credit card debt, student loan repayment, avoiding foreclosure and repossession, financial rehabilitation, mortgage assistance, mortgage forbearance, or judgments – we can help.
At Inner Banks Legal Services, we are dedicated to helping you take control of your finances and giving you the fresh start you need.
Don’t hesitate – Reach out today and let us show you how we can help!
Common Questions
Some of the most common questions we get about bankruptcy include:
- Can I keep my house?
- Will I lose all my property?
- Will my credit be ruined?
- How much does it cost to file bankruptcy?
- Will I lose my job?
- Can I keep my car?
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.
Many factors 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:
bankruptcy
Chapter 7
Chapter 13
- 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 the 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.
Chapter 13
- 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.
Free Consultation
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 rate on a sliding scale, taking into account your household size and income.
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.