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Updated October 31, 2026
Bankruptcy Law
Durham, NC
Wootton & Wootton provides direct lawyer involvement from free consultation through case conclusion for Chapter 7 and Chapter 13 bankruptcy cases.
Bankruptcy Law
Durham, NC
Sands Anderson handles business bankruptcy and creditors' rights from six offices across Virginia and North Carolina.
Fees vary by case and chapter. Wootton & Wootton lists free initial consultations, flat-fee arrangements, no-money-down options for Chapter 13, and no costs charged until filing for Chapter 7.
Chapter 7 generally involves liquidation of nonexempt assets to discharge qualifying debts, while Chapter 13 uses a court-approved repayment plan, commonly lasting three to five years.
A straightforward Chapter 7 case often takes several months from filing to discharge. Chapter 13 usually lasts three to five years because repayment occurs through a court-approved plan.
Yes. Bankruptcy can trigger an automatic stay that may pause many collection actions, but exceptions apply and timing matters, especially for foreclosure, repossession, or an active garnishment.
Bring recent pay stubs, tax returns, bank statements, a list of debts and assets, monthly expenses, and collection or foreclosure notices. North Carolina exemptions and federal bankruptcy requirements affect what must be documented.