When there is so much on your plate day-to-day, the last thing you need to deal with is stressful money issues. You can trust us to help. My name is Terry Duncan and I'm ready to help you get your fresh financial start. I've filed thousands of bankruptcy cases as a bankruptcy lawyer in Charlotte, NC for others just like you. If you are like most of my clients you are tired of dealing with the stresses of constant phone calls and the continual juggling of bills.
It doesn't have to be that way. My son, Damon, and I can help you get the fresh start you've been wanting. Reach out to us today to set up a totally free consultation. Learn what options you have so you can make the best decision for you and your family. Thanks to my father, Terry, I've grown up seeing first hand the type of benefit bankruptcy can have on people and their families.
My clients are more than a number. So much more than just a statistic. As a Greensboro and Winston-Salem bankruptcy lawyer, I get to walk people through the bankruptcy process so we can save their home from foreclosure or stop the repossession of their vehicle.
It doesn't have to be that way. My son, Damon, and I can help you get the fresh start you've been wanting. Reach out to us today to set up a totally free consultation. Learn what options you have so you can make the best decision for you and your family. Thanks to my father, Terry, I've grown up seeing first hand the type of benefit bankruptcy can have on people and their families.
My clients are more than a number. So much more than just a statistic. As a Greensboro and Winston-Salem bankruptcy lawyer, I get to walk people through the bankruptcy process so we can save their home from foreclosure or stop the repossession of their vehicle.
Services
About Us
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Duncan Law is a family owned law firm practicing in the areas of bankruptcy and workers' compensation.
We have offices located across the state of North Carolina in Charlotte, Greensboro, Winston-Salem and Salisbury, NC.
At the core of who we are, we try to treat others the way we would want to be treated.
We enjoy the type of work we do because we help people get their fresh financial start by filing a bankruptcy or helping those who have been injured at work file a workers' compensation claim to get the benefits they deserve.
We have offices located across the state of North Carolina in Charlotte, Greensboro, Winston-Salem and Salisbury, NC.
At the core of who we are, we try to treat others the way we would want to be treated.
We enjoy the type of work we do because we help people get their fresh financial start by filing a bankruptcy or helping those who have been injured at work file a workers' compensation claim to get the benefits they deserve.
Bankruptcy
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Welcome to Duncan Law, a bankruptcy law firm with Charlotte, NC bankruptcy attorneys and Greensboro, NC bankruptcy lawyers dedicated to helping you and your family.
As you will learn, there are two main types of bankruptcy: Chapter 7 bankruptcy, which is a liquidation plan, and Chapter 13 bankruptcy, which offers a repayment plan.
We hope to be a source of valuable information.
Bankruptcy attorneys Terry Duncan and Damon Duncan and their staff at Duncan Law understand bankruptcy can be complicated and confusing; therefore, we have tried to provide you information in a format that is easy to understand.
As you will learn, there are two main types of bankruptcy: Chapter 7 bankruptcy, which is a liquidation plan, and Chapter 13 bankruptcy, which offers a repayment plan.
We hope to be a source of valuable information.
Bankruptcy attorneys Terry Duncan and Damon Duncan and their staff at Duncan Law understand bankruptcy can be complicated and confusing; therefore, we have tried to provide you information in a format that is easy to understand.
Chapter 7
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A Chapter 7 bankruptcy is the most commonly filed type of bankruptcy across the country.
A Chapter 7 bankruptcy allows you to wipe out most unsecured, non-priority debts.
Those are debts like credit cards, medical bills, unsecured personal loans, overdraft fees, old utilities, old cell phone bills, old apartment rent, repossessions, old foreclosures and more.
If you are current on your house and cars and don't have too much equity in your property you can keep your assets as well.
Most of our Chapter 7 clients keep all of their property and are able to wipe out all of their unsecured debts.
A Chapter 7 bankruptcy allows you to wipe out most unsecured, non-priority debts.
Those are debts like credit cards, medical bills, unsecured personal loans, overdraft fees, old utilities, old cell phone bills, old apartment rent, repossessions, old foreclosures and more.
If you are current on your house and cars and don't have too much equity in your property you can keep your assets as well.
Most of our Chapter 7 clients keep all of their property and are able to wipe out all of their unsecured debts.
Chapter 13
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The Means Test is basically a calculation of your household income over the past six months compared to the median for the state where you live.
If the household income for the past six months exceeds the median, your disposable income will be reviewed.
If a debtor exceeds the median income, the Chapter 13 plan will be paid over a 5 year or 60 month period.
The Chapter 13 bankruptcy plan will include the amount you are behind on your home, your monthly house payments to your mortgage company, your auto loans, taxes and a percentage of unsecured debts including credit cards, personal loans, medical bills, old repossessions and old foreclosures.
If the household income for the past six months exceeds the median, your disposable income will be reviewed.
If a debtor exceeds the median income, the Chapter 13 plan will be paid over a 5 year or 60 month period.
The Chapter 13 bankruptcy plan will include the amount you are behind on your home, your monthly house payments to your mortgage company, your auto loans, taxes and a percentage of unsecured debts including credit cards, personal loans, medical bills, old repossessions and old foreclosures.
Other Types
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Bankruptcy law can be complicated, but if you read the following descriptions you will be sure to understand the basics of bankruptcy law and will understand the difference between the types of bankruptcy.
Generally, a Chapter 7 bankruptcy is a liquidation bankruptcy or a legal way to wipe out your debts and start fresh.
You will be able to wipe out most of your unsecured debts, such as credit cards, personal loans, repossessions, medical bills, etc.
Most people who file Chapter 7 bankruptcy are able to keep their homes and cars as long as they are current on their payments.
Generally, a Chapter 7 bankruptcy is a liquidation bankruptcy or a legal way to wipe out your debts and start fresh.
You will be able to wipe out most of your unsecured debts, such as credit cards, personal loans, repossessions, medical bills, etc.
Most people who file Chapter 7 bankruptcy are able to keep their homes and cars as long as they are current on their payments.
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