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Bankruptcy and Debt Settlement Attorneys

Are you seeking legal help to handle debt settlement, bankruptcy proceedings, and more? Joseph M. Bochicchio and the team can help you with all the nuances of the processes.

Free Consultation

You can rely on Joseph M. Bochicchio for assistance in any financial situation.

Experienced North Carolina Debt Settlement And Bankruptcy Lawyers

Are you dealing with a few debts you can’t pay, lawsuits, judgments, or need to consider other options for getting what you deserve in debt relief? Our attorneys can offer you many feasible approaches to resolve your debt problems. Dealing with debt matters can be complicated, with many landmines. We will guide and advise you to get you back on the road to financial freedom

Legal Services For Businesses

You do not have to fear if you cannot make your commercial lease or mortgage payment, vendor debts, or bank obligations—our team can help you out. Joseph M. Bochicchio is a former commercial banking Vice President. And as a banker and lawyer, he has unique insights into how to negotiate with your banks, vendors, and creditors.

Our Services

The attorneys at our law firm have the experience, relationships, and knowledge to offer you solid guidance, advice, and assistance through the whole legal process, whether you choose debt settlement or bankruptcy. Check out our services to know how we can help you.

01

Debt Settlement

Are you tired of the endless bills and harassing collection calls? Our nation is amid an economic downturn similar to the Great Depression. Bankruptcy or debt settlement may be the most viable option to protect yourself and your family to get back on the path to financial wellness. Let Joseph M. Bochicchio take care of you.
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02

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is the most common form of bankruptcy in the United States. Bankruptcy protection is all about getting rid of debt you cannot pay, while maximizing the assets that you can keep under state and federal law, and to help you recover from bad credit to set you on your feet again. Bankruptcy can put an immediate end to lawsuits, levies against your bank account, and garnishment of your wages. It can even get the IRS or state tax collectors “off your back” once and for all.
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03

Chapter 13 Bankruptcy

In a Chapter 13 bankruptcy, you’ll devise a plan to pay back your debt based on your regular wages. Creditors will receive these predetermined payments for anywhere from three to five years.

A chapter 13 is one of the best tools used by attorneys to help you save a home from foreclosure or a car from repossession. Saving a home from foreclosure works much like a “mortgage modification” to bring past due payments current, however it operates under the judge’s order—so instead of having to plead your case with your mortgage company, the judge orders them to do so under very straightforward guidelines as set forth in the bankruptcy code. Using a chapter 13 bankruptcy to save a home often can also “erase” accrued interest on the payments in arrears, frequently helping homeowners get back on track with their mortgage sooner than through a mortgage modification done with the lender.

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04

Chapter 11 Bankruptcy

Another type of bankruptcy we specialize in, Chapter 11 bankruptcy, focuses on restructuring or reorganizing a business with the intent to keep it afloat financially. With Chapter 11, you’re also making payments to creditors over time.
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05

Tax Resolution, Offers in Compromise (OIC), Both IRS and State

North Carolina has one of the highest unemployment rates in the nation, and America is amid an economic downturn. However, relief is closer than you think. Our Charlotte-based law firm helps North Carolinians in financial crises with legitimate legal aid to regain control of their lives.
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