Seasoned Charlotte Bankruptcy Lawyer Helps You Find Solid Financial Footing

Skilled debt relief attorney trusted by clients throughout North Carolina

If your debt burden is getting too heavy to bear, the Galletta Law Firm in Charlotte, North Carolina can help. I’m an attorney with nearly a decade of experience guiding people and businesses through bankruptcy to wipe the slate clean so they can restart their financial lives.

Wipe the slate clean through Chapter 7 bankruptcy

Chapter 7 bankruptcy can eliminate most or all of a person’s debt. It can also be used by a business if the owner no longer wishes to stay in operation. As soon as you file Chapter 7, creditors must stop harassing you with phone calls, garnishing your wages and any other debt collection efforts. After three to five months, all your unsecured debts are wiped away, including credit cards, medical bills and personal loans.

Reorganize your finances using Chapter 13 bankruptcy

Chapter 13 bankruptcy offers you the chance to reorganize your financial situation and create a plan for making manageable payments, all while protecting you from creditor harassment, wage garnishment, and other negative actions. Chapter 13 can be an excellent option for people who have income and an ability to repay at least some of their debt. As a lawyer with nearly a decade of experience in North Carolina bankruptcy proceedings, I can help you take advantage of Chapter 13’s benefits, which include:

  • Creating a three- to five-year payment plan that fits your financial situation
  • Stopping home foreclosure
  • Stopping vehicle repossession
  • Stopping wage garnishment
  • Preventing utility shutoffs

I can quickly determine whether you are eligible for Chapter 13, explain how it works and get started on a plan that will get you moving toward a healthier financial life.

Chapter 11 bankruptcy could be the right business solution

It’s not unusual for businesses to face economic or industry conditions that lead to difficult times. If it’s happening to you, and you don’t want your company to close its doors, Chapter 11 bankruptcy could be the solution you’ve been looking for.

Chapter 11 is a means of reorganizing a business so it can remain viable. An experienced North Carolina bankruptcy attorney can determine whether this is the best option in your situation. Over the years, I have helped many companies navigate all the steps of Chapter 11, which include:

  • Proposing a Chapter 11 plan
  • Interacting with the creditors’ committee
  • Obtaining confirmation of the Chapter 11 plan
  • Resolving issues arising during the bankruptcy proceeding
  • Paying off creditors and emerging from Chapter 11

When you visit my Charlotte law firm, we’ll sit down and discuss the details of your business. If Chapter 11 is the best choice, we’ll move forward as quickly as possible so you can stay in operation and get the debt relief you need.

Experienced Charlotte bankruptcy attorney offers a free consultation

The Galletta Law Firm in Charlotte, North Carolina helps people get a fresh start through bankruptcy. Arrange your free consultation by calling 980-999-9758 or contact me online.