Bankruptcy Attorney Monroe NC

Let Our Compassionate Legal Team Handle Your Case

Are you feeling stressed out and overwhelmed by the amount of debt you have accumulated over the years? Are you having trouble paying it all back due to a financial setback, such as losing your job or medical emergency? If so, you should get in touch with our legal team to discuss whether bankruptcy is the right solution for your situation.

At the Law Office of Kimberly A. Sheek, we are committed to using our years of experience and extensive resources to help clients throughout Monroe resolve their bankruptcy matters. We will devise a custom legal strategy that will allow you to get the most out of your bankruptcy plan.

Contact us online or call (704) 842-9776 for a free initial consultation with a Monroe bankruptcy attorney at the Law Office of Kimberly A. Sheek. We are backed by years of experience and are prepared to answer any of your questions.

Types of Bankruptcy Cases We Handle

We believe that you deserve to be treated with honesty, respect, and integrity, which is why we are here to deliver the top-notch service you need to get your financial affairs back in order.

We can assist you with any of the following bankruptcy matters:

When Can You File for Bankruptcy?

When deciding whether you should file for bankruptcy, you should ask yourself: Will I be able to pay off my debts in under 5 years? If not, you may want to consider filing for bankruptcy. In order to file, you will have to meet the following qualifications:

For Chapter 7 Bankruptcy:

You must make under the median income for a family your size in North Carolina
You must be unable to pay your bills (this is known as the means test)

For Chapter 13 Bankruptcy:

You must have a steady source of income
You must have unsecured debts less than $465,275
You must have secured debts less than $1,395,875

How Much Does it Cost to File for Bankruptcy?

While it isn’t free to file for bankruptcy, the fees you must pay are usually very minimal compared to the debt that you will be ridding yourself of. Fees for filing vary depending on what type of bankruptcy you’re filing for (fees reflect charges as of December 1, 2020):

Chapter 7 - $338 (this includes a filing fee; you will also need to pay for several mandatory bankruptcy counseling courses which are about $60 each)
Chapter 13 - $313 (you will also need to pay for two bankruptcy counseling courses when filing for Chapter 13 bankruptcy)

Along with these filing fees you will also need to pay an attorney fee. If you want to learn more about our rates, you can call our team at (704) 842-9776 or contact us online.

What Are the Benefits of Declaring Bankruptcy?

While filing for bankruptcy may feel like a defeat in some situations, there are several pros in filing for bankruptcy:

It gives you a fresh start financially by being forgiven for any unsecured debts
This forces collectors to stop coming after you for unpaid debts
This allows you to maintain many of your personal assets rather than having them taken away by collectors in an effort to satisfy your debts

By choosing to file for bankruptcy, you can allow yourself the opportunity to start over without the burden of debt.

Chapter 7 Benefits

Facing severe debt? Below are some benefits when it comes to filing Chapter 7 bankruptcy:

Certain debts are eliminated, allowing you to achieve a “fresh start”.
There is no repayment plan after debt is discharged.
It is quick -- discharge happens in as little as 3 months.
Property you acquire after filing is not included in the liquidation.
There is no limit to the debt you can have. Chapter 13 has debt limits that stop you from filing.

Request Your Consultation Today

Clients choose us to walk them through the legal process because we have an established reputation for delivering personalized and award-winning service. If you are facing foreclosure or wage garnishment, you need to speak to our legal professionals about what we can do to eliminate your debt and restore your finances.

Give us a call at (704) 842-9776 to speak to a member of our law firm today. For fast reliable service you can trust don’t hesitate, request your free consultation today with a bankruptcy attorney in Monroe, NC.

Experiences That Matter Most

Client Testimonials

Thank You For Your Support!
“Kim and Team have done a great job over the past few years helping me navigate this financial disaster brought on by divorce. They always kept me informed throughout the process and Carol kept me on ...”
- K Davis
Kim did a Great job with my case!!!
“Kim was Fantastic in assisting me with my bankruptcy case. I suffered a pulmonary embolism back in 2019 and deal with mild/moderate memory & retention issues and Kim was so incredibly understanding, ...”
- BSF
Amazing
“Kimberly Sheek is an Amazing Attorney to work with. She is pleasant very patient and turn around time is awesome. She is passionate about her job and she makes you feel like she cares . She returns ...”
- Richard Taylor
Awesome Experience
“Kimberly has truly been a pleasure to work with throughout my bankruptcy process. She is very sweet, patient, and honest. She truly made this process so much easier to deal with and she put my fears ...”
- Donna Clarke
Of Course You Want The Best - Well Here She Is
“My recent experience with Kimberly Sheek Law Office has been nothing but a positive one. I was very concerned about everything the bankruptcy process would entail. Mrs. Sheek was direct, detailed, ...”
- Mary